YRD
SinkerYiren Digital Ltd. · Financial Services · China · $103M cap · $1.5M/day traded
$0.316 -7.9% · close 12 Nov · scored 13 Nov
Sinker: Weak business, rich price and weak momentum. Nothing here to keep it afloat.
As of 13 Nov 2026, the MoatMap Score for Yiren Digital Ltd. (YRD) is 17/100, ranked against 25,000+ stocks in 38 markets (Quality 48, Value 45, Momentum 5, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT YIREN DIGITAL LTD.
Read
Yiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services. The company offers credit solutions, insurance brokerage, and others. The company was formerly known as Yirendai Ltd.
FINANCIAL SUMMARY (USD)
Reported in CNY
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 511.4M | 692.7M | 808.0M | 795.9M | 15.9% | 647.2M |
| EPS | 2.04 | 3.33 | 2.54 | 0.06 | -68.3% | -2.45 |
| Shares | 178.6M | 174.7M | 172.6M | 174.7M | -2.2% | — |
| Debt | 115.3M | 3.3M | 5.6M | 7.0M | -60.7% | 5.0M |
| Equity | 866.1M | 1.1B | 1.3B | 1.3B | 15.2% | — |
| Op CF | 275.4M | 307.2M | 198.2M | 97.9M | -29.2% | -280.5M |
| Inv CF | 7.8M | 14.2M | -433.3M | -219.3M | — | — |
| Fin CF | -72.8M | -80.6M | -38.6M | 92.2M | — | — |
Made a new 52-week low in the latest session, 94% below its 52-week high. The fall has not stopped yet.
Swung more than 98% of stocks we rank over the past year (volatility 119% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling (this stock): It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend: It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of YRD are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| YRD | Yiren Digital Ltd.(you) | $103M | 17 |
| 2473.HK | XXF Group Holdings Limited | $64M | 22 |
| 2051.HK | Vala Inc. | $63M | 6 |
| HTT | High Templar Tech Limited | $309M | 22 |
| LX | LexinFintech Holdings Ltd. | $105M | 47 |
| 1601.HK | Zhongguancun Science-Tech Leasing Co., Ltd. | $134M | 65 |
| 603123.SS | Beijing Cuiwei Tower Co., Ltd. | $1.1B | 9 |
| 6623.HK | Lufax Holding Ltd | $817M | 37 |
| JFIN | Jiayin Group Inc. | $68M | 72 |
| 2858.HK | Yixin Group Limited | $680M | 46 |
Peer medians: ROE 7.7% · P/E 7.4x · Gross margin 54.7%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.