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Yiren DigitalFRA:19YA -5.41%56 Return-on-Tangible-Asset is -15.49% as of Mar. 2026. GuruFocus rates FRA:19YA with a GF Score™ of 56/100 and a GF Value™ of €4.05 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 545 Credit Services companies, Yiren Digital ranks worse than 87.16% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Yiren Digital's annualizedNet Income for the quarter that ended in Mar. 2026 was €-247.8 Mil. Yiren Digital's average total tangible assets for the quarter that ended in Mar. 2026 was €1,599.3 Mil. Therefore, Yiren Digital's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was -15.49%.
The historical rank and industry rank for Yiren Digital's Return-on-Tangible-Asset or its related term are showing as below:
FRA:19YA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -8.83 Med: 13.8 Max: 31.3
Current: -5.16
During the past 13 years, Yiren Digital's highest Return-on-Tangible-Asset was 31.30%. The lowest was -8.83%. And the median was 13.80%.
FRA:19YA's Return-on-Tangible-Asset is ranked worse than 87.16% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs FRA:19YA: -5.16
Yiren Digital (FRA:19YA) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Yiren Digital Return-on-Tangible-Asset Related Terms
Yiren Digital Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Yiren Digital's Return-on-Tangible-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 SUIG, ANTA, VRM: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Yiren Digital's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Yiren Digital's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of -15.49% mean?
Yiren Digital (FRA:19YA) has a Return-on-Tangible-Asset of -15.49% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Yiren Digital and its competitors. According to the industry distribution chart, Yiren Digital ranks #475 out of 545 companies in the Credit Services industry, placing it in the top 87.2%.
Is Yiren Digital's Return-on-Tangible-Asset too high?
Yiren Digital's current Return-on-Tangible-Asset is -15.49%. Based on the distribution chart, Yiren Digital ranks #475 out of 545 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Return-on-Tangible-Asset compare to SUIG and ANTA?
According to the Credit Services industry distribution chart, Yiren Digital ranks #475 out of 545 companies for Return-on-Tangible-Asset. This places Yiren Digital in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.92. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.92, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Yiren Digital and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current Return-on-Tangible-Asset is -15.49%. 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 €4.05, compared to a current price of €1.05 — trading 74.1% below its estimated fair value. The current Return-on-Tangible-Asset is -15.49%. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Yiren Digital (FRA:19YA), the current Return-on-Tangible-Asset is -15.49% 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 €1.05 is trading 74.1% below its estimated GF Value™ of €4.05.
GuruFocus considers Yiren Digital to be Possible Value Trap.
Key valuation signals for FRA:19YA:
Return-on-Tangible-Asset: -15.49%
GF Value™: €4.05 vs. price of €1.05 (74.1% 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.
56GF Score
Get the complete analysis for FRA:19YA
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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