Yiren Digital Ltd (YRD) Stock Analysis
Verdict: AVOID
Severe credit losses and legal probes offset $345M cash backing — cash flow stabilization above 0.3551 USD support is critical.
Investment score: 27/100
Analysis as of
Is Yiren Digital Ltd stock worth reviewing? AI model thesis
The AI model evaluates YRD as a HIGH-RISK SPECULATIVE AVOID. Deep structural distress, negative operating cash flows (-655.6M CNY in Q1 2026), and regulatory headwinds outweigh its low valuation metrics (P/B 0.03x vs peer average 0.06x).
7-factor investment score
- Valuation: 45/100 (weight 20%)
- Financial Health: 40/100 (weight 15%)
- Technical Momentum: 20/100 (weight 15%)
- Earnings Quality: 15/100 (weight 15%)
- Insider Sentiment: 30/100 (weight 10%)
- Analyst Consensus: 10/100 (weight 10%)
- Risk-Adjusted Return: 20/100 (weight 15%)
Yiren Digital Ltd opportunities and risks
What speaks for YRD
- Deep asset backing relative to current enterprise valuation.
What speaks against YRD
- Severe deterioration in operating cash flow and credit default rates.
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| YRD | n/a | 0.1x | 2.1x | 81.4% | -34.6% | -502.0% |
| XYF | 0.4x | 0.0x | n/a | 63.6% | 10.1% | 683.9% |
| LX | 0.7x | 0.1x | 1.4x | 60.6% | 8.0% | 0.0% |
| JFIN | 1.7x | 0.1x | 2.0x | 63.1% | 5.7% | 0.0% |
| Peer median | 0.7x | 0.1x | 1.4x | 63.1% | 8.0% | 0.0% |
Frequently asked questions about Yiren Digital Ltd (YRD)
Is YRD stock a good investment?
The cached TradeMates AI model rates Yiren Digital Ltd as AVOID with an investment score of 27/100. The AI model evaluates YRD as a HIGH-RISK SPECULATIVE AVOID. Deep structural distress, negative operating cash flows (-655.6M CNY in Q1 2026), and regulatory headwinds outweigh its low valuation metrics (P/B 0.03x vs peer average 0.06x). This is algorithmic model output, not personal investment advice.
Is YRD stock a buy?
The TradeMates model verdict for YRD is AVOID with an investment score of 27/100. Treat this as a model signal to review, not a personal buy recommendation.