Yiren Digital Ltd. (YRD) Fair Value 2026

YRD · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.0 /10

32 fundamental signals · 1 models active

Value Trap Risk

WARN (42/100)

Quick Summary — As of 2026-08-28, Yiren Digital Ltd. (YRD) trades at $1.05. QOC: 7.0/10. Value Trap Risk: 42/100 (WARN). 1/13 models active.

Key Facts

Ticker
YRD
Price
$1.05
Quality Score
7.0/10
Value Trap Risk
42/100
Models Active
1/13
Last Updated
Strength: 1 independent models provide multi-angle coverage
Risk: Value Trap score of 42 suggests caution despite apparent undervaluation

What Fair Value Does Each Model Give YRD?

1 Intrinsic Value Models vs. Current Price ($1.05)

Core Models (Unlocked)
Model Fair Value Upside
Relative · Medium Conviction
 $0.96 -8.4%

All Models Active

All 1 models are displayed above.

What Is Yiren Digital Ltd. (YRD) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Yiren Digital Ltd.'s intrinsic value is estimated at $0.96, suggesting the stock is overvalued at its current price of $1.05. With 1 out of 1 models flagging downside (-8.4% vs price), the market may be pricing in unsustainable growth.

What Do the Models Say About YRD?

1 of 13 models are currently active for YRD. All 1 active models suggest the stock trades above fair value. See which stocks rank higher →

How Does YRD Rank in Credit Services?

Among 54 Credit Services stocks, YRD ranks #37 by Quality of Company score. CirclFi's QOC score of 7.0/10 evaluates 32 fundamental signals. A score of 7.0 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

Within the Credit Services space, Yiren Digital Ltd. competes in an environment where deposit growth often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is YRD a Value Trap?

CirclFi's Value Trap algorithm assigns YRD a score of 42/100 (WARN). This is a warning signal. Additional research into recent 10-Q filings is recommended. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for Yiren Digital Ltd.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Yiren Digital Ltd.'s fundamental quality profile registers 7.0/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every YRD valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across YRD's 1 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Yiren Digital Ltd. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

SLMSLM CorporationQOC 7.0UPSTUpstart Holdings, Inc.QOC 6.9AGMFederal Agricultural Mortgage CorporationQOC 7.0SOFISoFi Technologies, Inc.QOC 6.9ALLYAlly Financial Inc.QOC 7.1WRLDWorld Acceptance CorporationQOC 6.8STQNStrategic Acquisitions, Inc.QOC 4.3FINVFinVolution GroupQOC 8.6JCAPJefferson Capital, Inc.QOC 7.6JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: SLM · UPST · AGM · SOFI · ALLY · WRLD · STQN · FINV · JCAP · JFIN · MA

Which Other Stocks Have a Similar Quality Score to YRD?

7 companies across all industries closest to YRD’s Quality of Company score of 7.0/10.

ANABAnaptysBio, Inc.QOC 7.0PRTAProthena Corporation plcQOC 7.0MEIMethode Electronics, Inc.QOC 7.0DCODucommun IncorporatedQOC 7.0OCCOptical Cable CorporationQOC 7.0HROWHarrow, Inc.QOC 7.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: ANAB · PRTA · MEI · DCO · OCC · HROW · NVDA

Where Does YRD Sit in CirclFi's Credit Services Rankings?

YRD is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Yiren Digital Ltd.’s Valuation?

What is Yiren Digital Ltd.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for Yiren Digital Ltd. (YRD). The Quality of Company score is 7.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is YRD overvalued or undervalued right now?

At $1.05, 0 of 1 active models suggest YRD may be undervalued, while 1 indicate potential overvaluation. The assessment depends on which methodology best fits Yiren Digital Ltd.'s business model in Credit Services.

What does a Quality of Company score of 7.0 mean for YRD?

Yiren Digital Ltd.'s QOC of 7.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on YRD?

CirclFi analyzes YRD with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is YRD a value trap in 2026?

Yiren Digital Ltd.'s Value Trap score is 42/100 (WARN). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns Yiren Digital Ltd. (YRD) a Quality of Company score of 7.0/10 across 32 fundamental signals as of 2026-08-28.” Source: circlfi.com/stock/YRD/ · Methodology
Primary sources for this YRD valuation
  • Financial statements: Yiren Digital Ltd. 10-K and 10-Q filings on SEC EDGAR (CIK 0001631761) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for YRD as of ; valuations recomputed .