What Is Yiren Digital Ltd. (YRD) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Yiren Digital Ltd. is potentially undervalued at its current price of $0.98. Based on our 13-model framework, Yiren Digital Ltd.'s intrinsic value is estimated at a median fair value of $3.50 — representing +257.2% implied upside — with 2 out of 2 active models confirming this thesis. Model dispersion is worth noting: Markov DDM targets $5.80 (+491.9%), versus Regime Cross at $1.20 (+22.4%). This +469.5% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About YRD?
2 of 13 models are currently active for YRD. All 2 active models suggest the stock trades below fair value. Taken together, their median fair value for YRD is $3.50 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →
How Does YRD Rank in Credit Services?
Among 55 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
2 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.
The gap between the most bullish and bearish model spans +469.5% — 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 2 active models, average confidence is 41%. 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 →
Buy with Gumroad