Yiren Digital Ltd. American Depositary Shares each representing two ordinary shares (YRD)
FairStock Score: 42/100 — MIXED
Key Financials
| Current Price | $0.57 |
| Market Cap | $179M |
| P/E Ratio | -0.49 |
| ROE | -7.42% |
| Dividend Yield | 27.16% |
| Sector | Financial Services |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
At the 2026-10-13 close of $0.46, Yiren Digital has a market value of only $178.7M. I begin with the business: it runs an AI-powered fintech platform in China, offering credit solutions, insurance brokerage, and lifestyle services. The latest reported quarter, fiscal Q1 2026, showed revenue of $927.6M and a net loss of $493.5M, a -53.20% margin. That is a poor earning record. The balance sheet shows debt/equity of 0.00, which is a genuine plus, and ROCE of 8.12%, but ROE is -7.42% and FairStock's P/E is -0.39 because earnings are negative. The valuation looks statistically cheap: FairStock calculates P/B at 0.03, and the dividend yield is 27.16%. Yet a 27.16% yield is not comforting when the company is losing money; it may signal distress rather than generosity. The 52-week range of $0.35-$6.14 shows how far expectations have fallen. Altman Z of 1.23 and a Piotroski F-score of 5/9 point to financial stress. FairStock score of 42/100 and no Lynch category because only 0 years of filed results are available—need 3—add uncertainty. A durable moat in Chinese credit services is hard to prove. At 3% of book, the price may be an asset play, but only if the book value is real and losses are temporary. Otherwise this is a value trap.
In plain English: Yiren Digital provides financial services through an AI-powered fintech platform in China. The business looks weak right now: in its latest reported quarter, fiscal Q1 2026, it had revenue of $927.6M but a net loss of $493.5M, and its revenue and profit have been shrinking. The share price is extremely low compared with its stated book value, but that likely reflects serious doubt about whether the business can recover.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash
Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer