Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Yiren Digital's Pre-Tax Income for the
three
months ended in Mar. 2026 was €-57.4 Mil. Yiren Digital's Revenue for the
three
months ended in Mar. 2026 was €116.4 Mil. Therefore, Yiren Digital's pretax margin for the quarter that ended in Mar. 2026 was -49.34%.
The historical rank and industry rank for Yiren Digital's Pretax Margin % or its related term are showing as below:
FRA:19YA'
s Pretax Margin % Range Over the Past 10 Years
Min: -19.52 Med: 21.54 Max: 54.04
Current: -15.71
FRA:19YA's Pretax Margin % is ranked worse than 84.99% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs FRA:19YA: -15.71
Yiren Digital (FRA:19YA) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Yiren Digital Pretax Margin % Related Terms
Yiren Digital Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Yiren Digital's Pretax 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.
FRA:19YA vs SUIG, ANTA, VRM: Pretax Margin % Comparison
For the Credit Services subindustry, Yiren Digital's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Yiren Digital's Pretax 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 (FRA:19YA) has a Pretax Margin % of -49.34% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Yiren Digital and its competitors. According to the industry distribution chart, Yiren Digital ranks #453 out of 533 companies in the Credit Services industry, placing it in the top 85%.
Is Yiren Digital's Pretax Margin % too high?
Yiren Digital's current Pretax Margin % is -49.34%. Based on the distribution chart, Yiren Digital ranks #453 out of 533 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Yiren Digital has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's Pretax Margin % compare to SUIG and ANTA?
According to the Credit Services industry distribution chart, Yiren Digital ranks #453 out of 533 companies for Pretax Margin %. This places Yiren Digital in the lower half of its industry. The industry median Pretax Margin % is 20.02. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Yiren Digital and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current Pretax Margin % is -49.34%. 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 €5.31, compared to a current price of €0.94 — trading 82.4% below its estimated fair value. The current Pretax Margin % is -49.34%. Yiren Digital's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Yiren Digital (FRA:19YA), the current Pretax Margin % is -49.34% 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 €0.94 is trading 82.4% below its estimated GF Value™ of €5.31.
GuruFocus considers Yiren Digital to be Possible Value Trap.
Key valuation signals for FRA:19YA:
Pretax Margin %: -49.34%
GF Value™: €5.31 vs. price of €0.94 (82.4% below fair value)
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.
55GF Score
Get the complete analysis for FRA:19YA
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:19YA has been successfully added to your 
