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Yiren DigitalFRA:19YA 56 Equity-to-Asset is 0.70 as of Mar. 2026, which is 19% above its 10-year median of 0.59. GuruFocus rates FRA:19YA with a GF Score™ of 56/100 and a GF Value™ of €4.03 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 551 Credit Services companies, Yiren Digital ranks better than 73.87% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Yiren Digital's Total Stockholders Equity for the quarter that ended in Mar. 2026 was €1,100.2 Mil. Yiren Digital's Total Assets for the quarter that ended in Mar. 2026 was €1,569.2 Mil.
Therefore, Yiren Digital's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.70.
The historical rank and industry rank for Yiren Digital's Equity-to-Asset or its related term are showing as below:
FRA:19YA'
s Equity-to-Asset Range Over the Past 10 Years
Min: -0.03 Med: 0.59 Max: 0.81
Current: 0.7
During the past 13 years, the highest Equity to Asset Ratio of Yiren Digital was 0.81. The lowest was -0.03. And the median was 0.59.
FRA:19YA's Equity-to-Asset is ranked better than 73.87% of 551
companies
in the Credit Services industry
Industry Median: 0.4
vs FRA:19YA: 0.70
Yiren Digital (FRA:19YA) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Yiren Digital Equity-to-Asset Related Terms
Yiren Digital Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Yiren Digital's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:19YA vs JFIN, ANTA, SUIG: Equity-to-Asset Comparison
For the Credit Services subindustry, Yiren Digital's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Yiren Digital Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Yiren Digital's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Yiren Digital's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Yiren Digital (FRA:19YA) has a Equity-to-Asset of 0.70 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Yiren Digital and its competitors. This is 19% above median its historical median of 0.59. According to the industry distribution chart, Yiren Digital ranks #144 out of 551 companies in the Credit Services industry, placing it in the top 26.1%.
Is Yiren Digital's Equity-to-Asset too high?
Yiren Digital's current Equity-to-Asset of 0.70 is 19% above median its 10-year median of 0.59. The Credit Services industry median Equity-to-Asset is 0.40. Yiren Digital's value of 0.70 is 75% above this industry median. Based on the distribution chart, Yiren Digital ranks #144 out of 551 companies in the Credit Services industry, which is above the industry midpoint. Overall, Yiren Digital has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's Equity-to-Asset compare to JFIN and ANTA?
According to the Credit Services industry distribution chart, Yiren Digital ranks #144 out of 551 companies for Equity-to-Asset. This puts Yiren Digital in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Yiren Digital's value of 0.70 is 75% above this benchmark. While the company's 10-year median is 0.59 vs. the industry median of 0.40, Yiren Digital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 551 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Yiren Digital's current Equity-to-Asset of 0.70 is 75% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Yiren Digital and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current Equity-to-Asset is 0.70, which is 19% above median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yiren Digital stock overvalued right now?
Based on GuruFocus' analysis, Yiren Digital (FRA:19YA) is currently considered Possible Value Trap. The stock's GF Value™ is €4.03, compared to a current price of €0.95 — trading 76.6% below its estimated fair value. The current Equity-to-Asset is 0.70, which is 19% above median its 10-year median of 0.59 and 75% above the Credit Services industry median of 0.40. Yiren Digital's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Yiren Digital (FRA:19YA), the current Equity-to-Asset is 0.70 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Yiren Digital (FRA:19YA) Overvalued in 2026?
Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued.
The current stock price of €0.95 is trading 76.6% below its estimated GF Value™ of €4.03.
GuruFocus considers Yiren Digital to be Possible Value Trap.
Key valuation signals for FRA:19YA:
Equity-to-Asset: 0.70 (19% above median its 10-year median of 0.59)
GF Value™: €4.03 vs. price of €0.95 (76.6% below fair value)
Industry Position: 75% above the Credit Services median (#144 of 551)
No single metric tells the full story. See the FRA:19YA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yiren Digital Ltd is an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China. Its mission is to elevate customers' financial well-being and enhance their quality of life by delivering digital financial services, tailor-made insurance solutions, and premium lifestyle services. The company supports clients at various growth stages, addressing financing needs arising from consumption and production activities, while aiming to augment the overall well-being and security of individuals, families, and businesses.
56GF Score
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