Yiren DigitalFRA:19YA -1.58%55 Quick Ratio is 9.00 as of Mar. 2026, which is 22% above its 10-year median of 7.37. GuruFocus rates FRA:19YA with a GF Score™ of 55/100 and a GF Value™ of €3.76 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 394 Credit Services companies, Yiren Digital ranks better than 55.33% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Yiren Digital's quick ratio for the quarter that ended in Mar. 2026 was 9.00.
Yiren Digital has a quick ratio of 9.00. It generally indicates good short-term financial strength.
The historical rank and industry rank for Yiren Digital's Quick Ratio or its related term are showing as below:
FRA:19YA'
s Quick Ratio Range Over the Past 10 Years
Min: 1.11 Med: 7.37 Max: 42.47
Current: 9
During the past 13 years, Yiren Digital's highest Quick Ratio was 42.47. The lowest was 1.11. And the median was 7.37.
FRA:19YA's Quick Ratio is ranked better than 55.33% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs FRA:19YA: 9.00
Yiren Digital (FRA:19YA) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Yiren Digital Quick Ratio Related Terms
Yiren Digital Quick Ratio Historical Data
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The historical data trend for Yiren Digital's Quick Ratio 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: Quick Ratio Comparison
For the Credit Services subindustry, Yiren Digital's Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Yiren Digital's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Yiren Digital's Quick 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 Quick Ratio of 9.00 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Yiren Digital and its competitors. This is 22% above median its historical median of 7.37. Over the past decade, Yiren Digital's Quick Ratio has ranged from 1.11 to 42.47. According to the industry distribution chart, Yiren Digital ranks #176 out of 394 companies in the Credit Services industry, placing it in the top 44.7%.
Is Yiren Digital's Quick Ratio too high?
Yiren Digital's current Quick Ratio of 9.00 is 22% above median its 10-year median of 7.37. Over the past 10 years, this metric has ranged from a low of 1.11 to a high of 42.47. The Credit Services industry median Quick Ratio is 4.86. Yiren Digital's value of 9.00 is 85.4% above this industry median. Based on the distribution chart, Yiren Digital ranks #176 out of 394 companies in the Credit Services industry, which is above the industry midpoint. 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 Quick Ratio compare to SUIG and ANTA?
According to the Credit Services industry distribution chart, Yiren Digital ranks #176 out of 394 companies for Quick Ratio. This puts Yiren Digital in the upper half of its industry. The industry median Quick Ratio is 4.86. Yiren Digital's value of 9.00 is 85.4% above this benchmark. Historically, Yiren Digital's own Quick Ratio has ranged from 1.11 to 42.47 over the past decade. While the company's 10-year median is 7.37 vs. the industry median of 4.86, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.86, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Yiren Digital's current Quick Ratio of 9.00 is 85.4% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Yiren Digital and its competitors. For the Credit Services industry, the median Quick Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current Quick Ratio is 9.00, which is 22% above median its own 10-year median of 7.37. 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 €3.76, compared to a current price of €0.94 — trading 75.1% below its estimated fair value. The current Quick Ratio is 9.00, which is 22% above median its 10-year median of 7.37 and 85.4% above the Credit Services industry median of 4.86. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Yiren Digital (FRA:19YA), the current Quick Ratio is 9.00 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 75.1% below its estimated GF Value™ of €3.76.
GuruFocus considers Yiren Digital to be Possible Value Trap.
Key valuation signals for FRA:19YA:
Quick Ratio: 9.00 (22% above median its 10-year median of 7.37)
GF Value™: €3.76 vs. price of €0.94 (75.1% below fair value)
Industry Position: 85.4% above the Credit Services median (#176 of 394)
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
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