Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $466M | $852M | $818M | $1.24B | $607M | $703M | $498M | $690M | $795M | $818M |
| Revenue growth | — | 82.7% | -4.0% | 51.4% | -50.9% | 15.7% | -29.1% | 38.5% | 15.4% | 2.8% |
| Operating income | — | — | — | — | — | — | — | — | — | -$850M |
| Operating margin | — | — | — | — | — | — | — | — | — | -103.9% |
| Net income | $161M | $211M | $141M | $166M | -$106M | $162M | $173M | $293M | $217M | $7.80M |
| Net margin | 34.5% | 24.7% | 17.2% | 13.4% | -17.5% | 23.1% | 34.8% | 42.5% | 27.3% | 1.0% |
| EPS (diluted) | $1.35 | $1.72 | $1.13 | $0.89 | -$0.59 | $0.95 | $0.99 | $1.64 | $1.24 | $0.04 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $304M | $418M | -$119M | $39.4M | $43.2M | $24.8M | $268M | $306M | $195M | $101M |
| Capital expenditures | $4.32M | $10.8M | $7.59M | $6.89M | $2.10M | $1.48M | $128K | $626K | $1.26M | $3.68M |
| Free cash flow | $300M | $407M | -$127M | $32.5M | $41.1M | $23.3M | $268M | $305M | $194M | $96.9M |
| Share buybacks | — | — | $37.0K | $5.29M | $467K | $432K | $556K | $6.78M | $10.4M | $32.0K |
| Dividends paid | — | $93.0M | $15.5M | — | — | — | — | — | $16.8M | $39.1M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $139M | $285M | $295M | $459M | $379M | $450M | $619M | $816M | $526M | $479M |
| Total assets | $689M | $1.16B | $1.09B | $1.39B | $1.03B | $1.21B | $1.24B | $1.45B | $1.78B | $1.92B |
| Total liabilities | $381M | $699M | $349M | $740M | $448M | $458M | $363M | $309M | $471M | $598M |
| Shareholders' equity | $308M | $456M | $745M | $645M | $579M | $757M | $874M | $1.14B | $1.31B | $1.33B |
| Retained earnings | $170M | $282M | $554M | -$76.6M | -$193M | -$38.9M | $132M | $420M | $608M | $601M |
| Shares (wtd avg diluted) | 119M | 182M | 186M | 187M | 180M | 171M | 175M | 179M | 175M | 175M |
Every figure is extracted from Yiren Digital Ltd.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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