Is XYF or YRD more undervalued in 2026?

CirclFi compares X Financial (XYF) and Yiren Digital Ltd. (YRD) using 13 institutional-grade valuation models. XYF has a Quality of Company score of 9.3/10 while YRD scores 6.5/10.

Which is a better buy — XYF or YRD?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do XYF and YRD valuations compare?

XYF at $4.73 and YRD at $1.47 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

XYF vs YRD Valuation Comparison 2026 — Intrinsic Value Analysis

XYF

Credit Services

X Financial

Quality

9.3

out of 10

Value Trap

SAFE

Price

$4.73

Last close

Models

4/13

Active

YRD

Credit Services

Yiren Digital Ltd.

Quality

6.5

out of 10

Value Trap

LOW

Price

$1.47

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	XYF Fair Value	XYF Upside	YRD Fair Value	YRD Upside
Earnings Power Value	Intrinsic	—	—	$3.05	+50.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$24.63	+420.8%	$4.16	+183.2%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$5.09	+7.7%	$8.41	+472.1%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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XYF vs YRD — Which Stock Is More Undervalued?

XYF scores higher with a 9.3/10 quality rating vs YRD's 6.5/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing X Financial (XYF) and Yiren Digital Ltd. (YRD) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

XYF currently trades at $4.73 with a QOC of 9.3/10, while YRD trades at $1.47 with a QOC of 6.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).