Yiren DigitalYRD -1.82%59 Net Margin % is -97.18% as of Dec. 2025. GuruFocus rates YRD with a GF Score™ of 59/100 and a GF Value™ of $5.67 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 534 Credit Services companies, Yiren Digital ranks worse than 77.9% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Yiren Digital's Net Income for the
three
months ended in Dec. 2025 was $-123.3 Mil. Yiren Digital's Revenue for the
three
months ended in Dec. 2025 was $126.8 Mil. Therefore, Yiren Digital's net margin for the quarter that ended in Dec. 2025 was -97.18%.
The historical rank and industry rank for Yiren Digital's Net Margin % or its related term are showing as below:
YRD'
s Net Margin % Range Over the Past 10 Years
Min: -17.48 Med: 18.56 Max: 42.49
Current: 0.66
YRD's Net Margin % is ranked worse than 77.9% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs YRD: 0.66
Yiren Digital (NYSE:YRD) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Yiren Digital Net Margin % Related Terms
Yiren Digital Net Margin % Historical Data
* Premium members only.
The historical data trend for Yiren Digital's Net Margin % 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.
For the Credit Services subindustry, Yiren Digital's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's Net Margin % distribution charts can be found below:
* The bar in red indicates where Yiren Digital's Net Margin % falls into.
* 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 (YRD) has a Net Margin % of -97.18% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Yiren Digital and its competitors. According to the industry distribution chart, Yiren Digital ranks #416 out of 534 companies in the Credit Services industry, placing it in the top 77.9%.
Is Yiren Digital's Net Margin % too high?
Yiren Digital's current Net Margin % is -97.18%. Based on the distribution chart, Yiren Digital ranks #416 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Yiren Digital has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's Net Margin % compare to SUIG and VRM?
According to the Credit Services industry distribution chart, Yiren Digital ranks #416 out of 534 companies for Net Margin %. This places Yiren Digital in the lower half of its industry. The industry median Net Margin % is 14.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Yiren Digital and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current Net Margin % is -97.18%. 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 (YRD) is currently considered Significantly Undervalued. The stock's GF Value™ is $5.67, compared to a current price of $1.08 — trading 81% below its estimated fair value. The current Net Margin % is -97.18%. Yiren Digital's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Yiren Digital (YRD), the current Net Margin % is -97.18% as of Dec. 2025. 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 (YRD) Overvalued in 2026?
Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued.
The current stock price of $1.08 is trading 81% below its estimated GF Value™ of $5.67.
GuruFocus considers Yiren Digital to be Significantly Undervalued.
Key valuation signals for YRD:
Net Margin %: -97.18%
GF Value™: $5.67 vs. price of $1.08 (81% below fair value)
No single metric tells the full story. See the YRD 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.
59GF Score
Get the complete analysis for YRD
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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