Yiren Digital (FRA:19YA) Scaled Net Operating Assets: 0.49 (As of Mar. 2026)


FRA:19YA Yiren Digital Ltd FRA:19YA
55 GF Score
Price €0.94
GF Value €5.31
Valuation Possible Value Trap
! 4 Warning Signs
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What is Yiren Digital Scaled Net Operating Assets?

Yiren Digital FRA:19YA -1.58% 55 Scaled Net Operating Assets is 0.49 as of Mar. 2026. GuruFocus rates FRA:19YA with a GF Score™ of 55/100 and a GF Value™ of €5.31 (Possible Value Trap). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Yiren Digital's operating assets for the quarter that ended in Mar. 2026 was €1,261.4 Mil. Yiren Digital's operating liabilities for the quarter that ended in Mar. 2026 was €462.9 Mil. Yiren Digital's Total Assets for the quarter that ended in Dec. 2025 was €1,631.4 Mil. Therefore, Yiren Digital's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.49.

Yiren Digital Scaled Net Operating Assets Historical Data

* Premium members only.

The historical data trend for Yiren Digital's Scaled Net Operating Assets 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.

Yiren Digital Scaled Net Operating Assets Chart

Yiren Digital Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Scaled Net Operating Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.48 0.20 0.20 0.56 0.43

Yiren Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Scaled Net Operating Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.43 0.42 0.45 0.39 0.49

FRA:19YA vs SUIG, ANTA, VRM: Scaled Net Operating Assets Comparison

For the Credit Services subindustry, Yiren Digital's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Yiren Digital's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where Yiren Digital's Scaled Net Operating Assets falls into.


FRA:19YA
55GF Score
Yiren Digital Ltd FRA:19YA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Yiren Digital Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Yiren Digital's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1224.928-501.263)/1702.923
=0.42

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=1631.436 - 406.508
=1224.928

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=507.186 - 5.923 - 0
=501.263

Yiren Digital's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1261.36-462.91)/1631.436
=0.49

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=1569.244 - 307.884
=1261.36

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=467.339 - 4.429 - 0
=462.91

* 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.

What does a Scaled Net Operating Assets of 0.49 mean?
Yiren Digital (FRA:19YA) has a Scaled Net Operating Assets of 0.49 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Yiren Digital and its competitors.
Is Yiren Digital's Scaled Net Operating Assets too high?
Yiren Digital's current Scaled Net Operating Assets is 0.49. 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 Scaled Net Operating Assets compare to SUIG and ANTA?
Yiren Digital's Scaled Net Operating Assets of 0.49 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Yiren Digital and its competitors. Yiren Digital's current Scaled Net Operating Assets is 0.49. 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 €5.31, compared to a current price of €0.94 — trading 82.4% below its estimated fair value. The current Scaled Net Operating Assets is 0.49. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Yiren Digital (FRA:19YA), the current Scaled Net Operating Assets is 0.49 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 €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:

  • Scaled Net Operating Assets: 0.49
  • GF Value™: €5.31 vs. price of €0.94 (82.4% below fair value)
  • GF Score™: 55/100 with 4 warning signs

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 Business Description

Other Exchanges YRD:USAYRD N:Mexico
Address 118 Jianguo Road, 28th Floor, China Merchants Bureau Building, Chaoyang District, Beijing, CHN, 100022
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.94
Price
€5.31
GF Value