Financial Statements — YRD
Balance Sheet
(in billions CNY)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Cash & Equivalents | 0.48 | 3.84 | 5.79 | 0.62 | 2.86 | 2.47 | 0.46 |
| Net Loans & Leases | 0.91 | -- | -- | -- | 1.70 | 1.25 | 0.52 |
| Total Assets | 13.45 | 12.98 | 1.45 | 1.24 | 1.21 | 6.70 | 9.64 |
| Total Deposits | -- | -- | -- | -- | -- | -- | 0.08 |
| Long-term Debt | -- | -- | -- | -- | -- | -- | 0.02 |
| Total Liabilities | 0.60 | 3.44 | 2.19 | 0.36 | 2.92 | 2.92 | 0.74 |
| Retained Earnings | 0.60 | 4.44 | 0.42 | 0.91 | (0.04) | (1.26) | (0.53) |
| Total Stockholder Equity | 9.27 | 9.54 | 1.14 | 6.03 | 0.76 | 0.58 | 0.64 |
Income Statement
(in billions CNY) (except per-share rows)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Interest Expense | -- | -- | 0.01 | -- | -- | -- | -- |
| Net Interest Income | -- | 0.11 | 0.01 | -0.00 | (0.01) | -- | -- |
| Provision for Credit Losses | 0.27 | 0.52 | 0.29 | 0.03 | 0.37 | 0.06 | 0.23 |
| Pretax Income | (0.01) | 1.86 | 2.65 | 1.50 | 1.20 | (0.77) | 0.20 |
| Tax Provision | (0.01) | 0.28 | 0.57 | 0.30 | 0.03 | (0.08) | 0.24 |
| Net Income | 0.01 | 0.22 | 2.08 | 0.17 | 1.03 | (0.11) | 1.16 |
| Basic EPS | 0.31 | 9.13 | 11.77 | 6.84 | 6.11 | (3.84) | 0.90 |
| Diluted EPS | 0.04 | 9.06 | 11.64 | 0.99 | 0.95 | (0.59) | 6.20 |
Cash Flow Statement
(in billions CNY)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Operating Cash Flow | 0.10 | 1.42 | 2.17 | 1.85 | 0.02 | 0.04 | 0.04 |
| Capital Expenditures | 0.03 | 0.01 | 0.00 | 0.00 | 0.01 | 0.00 | 0.05 |
| Free Cash Flow* | 0.07 | 1.41 | 2.17 | 1.85 | 0.02 | 0.04 | (0.01) |
| Investing Cash Flow | (1.58) | (3.11) | 0.01 | 0.01 | (0.05) | (1.80) | 0.16 |
| Financing Cash Flow | 0.66 | (0.28) | (0.57) | (0.07) | 0.43 | 0.15 | (0.17) |
* Derived from reported values
