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 $2.60, suggesting a +106.5% average upside from the current price of $1.26. While 2 models see room for appreciation, model agreement is not unanimous as 1 model flags potential overvaluation. Model dispersion is worth noting: FTNN targets $6.42 (+409.8%), versus ML-RIV at $0.04 (-96.7%). This +506.5% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About YRD?
3 of 13 models are currently active for YRD. Of these, 2 models suggest upside while 1 model suggests overvaluation. See which stocks rank higher →
How Does YRD Rank in Finance Services?
Among 123 Finance Services stocks, YRD ranks #25 by Quality of Company score. CirclFi's QOC score of 7.4/10 evaluates 32 fundamental signals. A score of 7.4 indicates above-average quality.
See all Most Undervalued Finance Services Stocks →
Yiren Digital Ltd. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is YRD a Value Trap?
CirclFi's Value Trap algorithm assigns YRD a score of 29/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
3 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 7.4/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +506.5% — demonstrating why single-model analysis is dangerous. 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 3 active models, average confidence is 25%. 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 →
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