All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2024-04-30.
From the record
Yiren Digital Ltd.'s filings since 2017 show 3 warning events: a late-report notice (Form NT 10-K or NT 10-Q, 3 times, the latest 2024-04-30) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
-48.8% a year over 10 filed years; profitable in 8 of 10.
From the record
Yiren Digital Ltd.'s 10 filed years say what it did: revenue went from CNY 3.2 billion in fiscal 2016 to CNY 8 million in fiscal 2025, down 48.8% a year; it rose in 2 of 9 years; the deepest fall was 100% from fiscal 2017 to fiscal 2025; net income was positive in 8 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.1% a year. 12% of cash flow returned. Insiders: 0 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Yiren Digital Ltd.'s diluted share count shrank about 0.1% a year, and dividends and buybacks returned about 12% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 1%: 1¢ of profit per shareholder dollar. Leverage 31%: owes 31¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Yiren Digital Ltd. earned about 1 cents of profit for every dollar of shareholders' money. Leverage: it owed about 31 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 49% of 114 in its family; net margin 690.5%.
From the record
Yiren Digital Ltd.'s standing among 114 graded names in its industry family: revenue of CNY 8 million in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of 690.5% ranks in the top 3%; revenue growth of -86.8% a year over the last 3 filed years ranks in the bottom 1% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 5.5/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Yiren Digital Ltd.'s leadership is put at 5.5 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
top 6% of 108 in its family for room to expand.
From the record
Yiren Digital Ltd.'s room to grow, from the newest filed statements (fiscal 2025): cash of CNY 3.3 billion against no long-term debt tagged leaves 24.9% of its assets as net cash, top 17% of its family; cash from operations less capital spending is 8584% of revenue (top 1%); research spending of 5148.4% of revenue (top 2%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 46% of 100 in its family for growth drivers.
From the record
Yiren Digital Ltd.'s growth drivers, from the filed years to fiscal 2025: revenue grew -86.8% a year over the last three filed years against -48.8% over all 10, slowing (bottom 15% of its family); the newest year grew -75.5% (bottom 7%); research spending grew 38.8% a year (top 25%); capital spending grew 207.8% a year (top 12%) (its annual reports). Yiren Digital Ltd. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 45% of 78 in its family for expectations against reality.
From the record
Yiren Digital Ltd.'s newest year against its own record: revenue of CNY 8 million in fiscal 2025 came in 153% above the CNY 3 million its prior three years' pace pointed to (top 16% of its family); net income of CNY 55 million against a prior three-year average of CNY 1.6 billion (bottom 40%); a net margin of more than its whole revenue against more than its whole revenue before (bottom 11%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made