Yiren Digital Ltd. each representing two (YRD) carries a Roarable Rating of D (Sell) with 45/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, Yiren Digital Ltd. each representing two (NYSE: YRD) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $0.41 (-0.46% 1D, market cap $36.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, YRD ranks #808 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), YRD carries a Roarable D (45/100 RQD), trailing P/E of 5.3x, gross margin of —, and ROIC of -35.0%. By comparison, AURE (Aurelion Inc. (Class A)) holds a E grade (31/100 RQD, P/E N/A, ROIC —, cap $36.7M) and CNF (CNFinance Holdings Limited each representing two hundred (200)) posts a D grade (49/100 RQD, P/E N/A, ROIC —, cap $34.7M). Among the 5-stock peer group, YRD leads on earnings multiple (5.3x) while AMTD leads on capital efficiency (4.9% ROIC).
Per YRD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001631761), Yiren Digital Ltd. each representing two generated $817.8M in revenue (+9.5% YoY), $7.8M in net income, and $96.9M in free cash flow against $1.92B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
SEC XBRL FY 2025 (10-K): 11.9% FCF Margin ($96.9M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)
While YRD currently carries a cautious 45/100 (D) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.86) and Max Pain ($0.43) forces dealer call-delta covering toward $5.96.
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Yiren Digital Ltd. each representing two (YRD) slipped -0.46% to $0.41, trading at 2% of its 52-week range ($0.35 – $5.68). Stretched risk/reward at 5x P/E (-35% return on capital) under elevated 10-year interest-rate pressure.
The online loan facilitator faces a potential delisting after its American depositary shares traded below $1 for 30 consecutive business days image credit: Bamboo Works Key Takeaways: Lexin’s American
Gainers SHF Hldgs (NASDAQ:SHFS) shares moved upwards by 66.7% to $0.15 during Tuesday's after-market session. Netcapital (NASDAQ:NCPL) stock increased by 8.41% to $2.19. The company's market cap stands at
On Thursday, there are stocks with unusual volume. Let's take a look.
Yiren Digital shares surge 49% as it says an investigation is unrelated to operations, cites $250M cash, buyback plan and names an acting CEO
Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, tod
Yiren Digital Ltd. (NYSE:YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and
The announcement followed CreditEase's disclosure a day earlier regarding “a material default” across fixed-income-like products.
Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, tod
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +9.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on YRD today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for YRD. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Yiren Digital Ltd. each representing two (YRD) ranks #808 by composite RQD confidence (45/100, grade D) and #1029 by equity capitalization ($36.3M). Within this direct 5-issuer industry benchmark cohort, YRD leads on earnings valuation at 5.3x trailing P/E, while AMTD leads on capital efficiency and profitability with 4.9% ROIC and — gross margin. CNF currently holds the highest overall quantitative score in the immediate peer group at 49/100 (D) compared with YRD at 45/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| YRD
ACTIVE
Yiren Digital Ltd. each representing two | D | 45/100 | 5.3x | — | -35.0% | -0.46% | $36.3M | Benchmark Subject |
| AURE Aurelion Inc. (Class A) | E | 31/100 | — | — | — | -5.19% | $36.7M | /aure-vs-yrd → |
| CNF CNFinance Holdings Limited each representing two hundred (200) | D | 49/100 | — | — | — | +1.73% | $34.7M | /cnf-vs-yrd → |
| MI NFT Limited Class A Ordinary Share | E | 22/100 | — | — | -0.9% | -3.85% | $33.0M | /mi-vs-yrd → |
| AMTD AMTD IDEA Group each representing three hundred sixty (360) (Class A) | D | 46/100 | — | — | 4.9% | -2.65% | $31.3M | /amtd-vs-yrd → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Yiren Digital Ltd. each representing two (YRD) reported GAAP revenue of $817.8M (+9.5% vs. FY2024 revenue of $747.0M , and -38.0% cumulative change since FY2023) , GAAP net income of $7.8M, operating cash flow of $100.6M, and free cash flow of $96.9M (-50.0% YoY). On the balance sheet, YRD closed FY2025 with $1.92B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $817.8M | $7.8M | $100.6M | $96.9M | $1.92B | — |
| FY2024 (FY) | 2024-12-31 | $747.0M | $216.8M | $195.1M | $193.8M | $1.78B | — |
| FY2023 (FY) | 2023-12-31 | $1.32B | $293.0M | $305.8M | $305.8M | — | — |
As of 2026-11-03, Yiren Digital Ltd. each representing two (NYSE: YRD) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $0.41 (-0.46% 1D, market cap $36.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, YRD ranks #808 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), YRD carries a Roarable D (45/100 RQD), trailing P/E of 5.3x, gross margin of —, and ROIC of -35.0%. By comparison, AURE (Aurelion Inc. (Class A)) holds a E grade (31/100 RQD, P/E N/A, ROIC —, cap $36.7M) and CNF (CNFinance Holdings Limited each representing two hundred (200)) posts a D grade (49/100 RQD, P/E N/A, ROIC —, cap $34.7M). Among the 5-stock peer group, YRD leads on earnings multiple (5.3x) while AMTD leads on capital efficiency (4.9% ROIC).
Per YRD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001631761), Yiren Digital Ltd. each representing two generated $817.8M in revenue (+9.5% YoY), $7.8M in net income, and $96.9M in free cash flow against $1.92B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
YRD last traded at $0.41 (-0.46% on volume of 67,046 shares), positioning the stock -52.33% below its 50-day simple moving average ($0.86) and -77.47% below its 200-day simple moving average ($1.82). Across its 52-week range of $0.35 to $5.68, YRD sits at the 1.1% percentile with a 14-day RSI of 30.7 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($1.00 to $0.46).
Yiren Digital Ltd. Each representing two (YRD) earns a live Roarable RQD composite score of 45/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $0.41 (-0.46% 1D, market capitalization $36.3M).
Yiren Digital Ltd. Each representing two is a NYSE-listed issuer in the Financials sector, Finance: Consumer Services industry. The profile does not describe its products, customers, or revenue model. The company reported revenue of $817.8M for FY 2025, indicating an operating business of meaningful scale.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Yiren Digital Ltd. Each representing two (YRD) reported $817.8M in annual revenue (up from $747.0M in FY2024, +9.5% YoY) and $7.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.32B revenue, $293.0M net income) through FY2025, YRD scaled operating cash flow to $100.6M and free cash flow to $96.9M, backed by $1.92B in total assets against $0 in total debt.
Operating in Finance: Consumer Services (Financials), YRD carries a macro regime beta of 1.00 and gross margin of —.
Real-time company headlines, analyst actions, and sector developments for Yiren Digital Ltd. each representing two (YRD) • Click "Debate This Headline" to argue it in the Roar Pit below
The online loan facilitator faces a potential delisting after its American depositary shares traded below $1 for 30 consecutive business days image credit: Bamboo Works Key Takeaways: Lexin’s American
Gainers SHF Hldgs (NASDAQ:SHFS) shares moved upwards by 66.7% to $0.15 during Tuesday's after-market session. Netcapital (NASDAQ:NCPL) stock increased by 8.41% to $2.19. The company's market cap stands at
On Thursday, there are stocks with unusual volume. Let's take a look.
Yiren Digital shares surge 49% as it says an investigation is unrelated to operations, cites $250M cash, buyback plan and names an acting CEO
Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, tod
Yiren Digital Ltd. (NYSE:YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and
Long YRD at $0.42 targeting $0.50. The stock trades at a 5.3 TTM P/E with a Piotroski F-Score of 4/9 and Debt/Equity of 0.5, which suggests a low multiple and manageable leverage.. Institutional whale score is 5/20 and the risk/reward vs. the $0.35 52-week low is skewed heavily in favor of bulls.
@CreditSpread_Watch Shorting a 5/20 institutional whale-flow stock at $0.42 is dangerous when funds are rotating into Financials.
Sitting on the sidelines or leaning short YRD above $0.42. ROIC of -35% and an operating margin of -60% in FY 2025, with 0% FCF yield, show the core business is not currently generating returns on capital.. Until Fundamental Cash Engine (11/20) and FCF yield (0.0%) inflect higher, upside is capped near $5.68.
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