ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Yiren Digital's annualizedNet Income for the quarter that ended in Mar. 2026 was $-286.4 Mil.
Yiren Digital's average Total Assets over the quarter that ended in Mar. 2026 was $1,862.3 Mil. Therefore, Yiren Digital's annualized ROA % for the quarter that ended in Mar. 2026 was -15.38%.
The historical rank and industry rank for Yiren Digital's ROA % or its related term are showing as below:
YRD'
s ROA % Range Over the Past 10 Years
Min: -8.83 Med: 13.77 Max: 31.3
Current: -5.16
During the past 13 years, Yiren Digital's highest ROA % was 31.30%. The lowest was -8.83%. And the median was 13.77%.
YRD's ROA % is ranked worse than 72.53% of 546
companies
in the Credit Services industry
Industry Median: 1.915
vs YRD: -5.16
Yiren Digital (NYSE:YRD) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Yiren Digital ROA % Related Terms
Yiren Digital ROA % Historical Data
* Premium members only.
The historical data trend for Yiren Digital's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's ROA % distribution charts can be found below:
* The bar in red indicates where Yiren Digital's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Yiren Digital (YRD) has a ROA % of -15.38% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Yiren Digital and its competitors. According to the industry distribution chart, Yiren Digital ranks #396 out of 546 companies in the Credit Services industry, placing it in the top 72.5%.
Is Yiren Digital's ROA % too high?
Yiren Digital's current ROA % is -15.38%. Based on the distribution chart, Yiren Digital ranks #396 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, Yiren Digital has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's ROA % compare to SUIG and VRM?
According to the Credit Services industry distribution chart, Yiren Digital ranks #396 out of 546 companies for ROA %. This places Yiren Digital in the lower half of its industry. The industry median ROA % 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Yiren Digital and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current ROA % is -15.38%. 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 $1.11 — trading 80.4% below its estimated fair value. The current ROA % is -15.38%. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Yiren Digital (YRD), the current ROA % is -15.38% 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 (YRD) Overvalued in 2026?
Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued.
The current stock price of $1.11 is trading 80.4% below its estimated GF Value™ of $5.67.
GuruFocus considers Yiren Digital to be Significantly Undervalued.
Key valuation signals for YRD:
ROA %: -15.38%
GF Value™: $5.67 vs. price of $1.11 (80.4% 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.
56GF Score
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