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Yiren Digital Ltd. each representing two (YRD) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell YRD stock right now?

Yiren Digital Ltd. each representing two (YRD) currently earns a Roarable Rating of D+ (Sell — SELL) with 55/100 RQD Confidence. Stretched risk/reward at 5x P/E (-35% return on capital) under elevated 10-year interest-rate pressure.

Q: What is YRD's 12-month price target and RQD AI Jury consensus?

YRD's 12-month base price target is $0.46 (range $0.36 to $5.97), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

$0.47 -0.84% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Yiren Digital Ltd. each representing two (YRD) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $41.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-2.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for YRD)Realized 20D OHLCV Swing Band: ±12.5%

RSI-14 MOMENTUMOVERSOLD (<32)

27.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE2% OF RANGE

L: $0$0.47H: $6

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on YRD

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

-35.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (52)

23/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like YRD

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring YRD)

✓Walkthrough of YRD's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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YRD // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -75.65%▼ DESCENDING CHANNEL

2026-10-30O $0.49H $0.49L $0.41C $0.47VOL 205.7K

RES: $0.95SUP: $0.18SMA50: $0.89SMA200: $1.85

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

YRD Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 YRD Butterfly Map → + Track YRD →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-12.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on YRD today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for YRD. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for YRD today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (YRD)

Financials Rank #706 of 1096 ⚔️ AURE vs YRD Full Matrix →

1. Head-to-Head Financials Peer Comparison (YRD vs. AURE, AVAT, MI, MATH)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Yiren Digital Ltd. each representing two (YRD) ranks #706 by composite RQD confidence (55/100, grade D+) and #1022 by equity capitalization ($41.2M). Within this direct 5-issuer industry benchmark cohort, YRD leads on earnings valuation at 5.3x trailing P/E, while MI leads on capital efficiency and profitability with -0.9% ROIC and — gross margin. YRD currently leads its immediate peer cohort in composite quantitative strength at 55/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
YRD ACTIVE Yiren Digital Ltd. each representing two	D+	55/100	5.3x	—	-35.0%	-0.84%	$41.2M	Benchmark Subject
AURE Aurelion Inc. (Class A)	D-	42/100	—	—	—	+5.45%	$36.9M	/aure-vs-yrd →
AVAT Avalanche Treasury Corporation (Class A)	D	45/100	—	—	—	-7.76%	$46.8M	/avat-vs-yrd →
MI NFT Limited Class A Ordinary Share	E	31/100	—	—	-0.9%	-2.47%	$35.7M	/mi-vs-yrd →
MATH Metalpha Technology Holding Limited	D+	55/100	—	—	—	-4.76%	$47.5M	/math-vs-yrd →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001631761

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Yiren Digital Ltd. each representing two (YRD) reported GAAP revenue of $817.8M (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $7.8M, operating cash flow of $100.6M, and free cash flow of $96.9M (-50.0% YoY). On the balance sheet, YRD closed FY2025 with $1.92B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$817.8M	$7.8M	$100.6M	$96.9M	$1.92B	—
FY2024 (FY)	2024-12-31	$0	$216.8M	$195.1M	$193.8M	$1.78B	—
FY2023 (FY)	2023-12-31	$0	$293.0M	$305.8M	$305.8M	—	—

3. YRD Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is YRD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Yiren Digital Ltd. each representing two (NYSE: YRD) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $0.47 (-0.84% 1D, market cap $41.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, YRD ranks #706 in composite RQD confidence.

How does YRD compare to AURE and AVAT in the Financials sector?

Within the Financials sector (Finance: Consumer Services), YRD carries a Roarable D+ (55/100 RQD), trailing P/E of 5.3x, gross margin of —, and ROIC of -35.0%. By comparison, AURE (Aurelion Inc. (Class A)) holds a D- grade (42/100 RQD, P/E N/A, ROIC —, cap $36.9M) and AVAT (Avalanche Treasury Corporation (Class A)) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $46.8M). Among the 5-stock peer group, YRD leads on earnings multiple (5.3x) while MI leads on capital efficiency (-0.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for YRD?

Per YRD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001631761), Yiren Digital Ltd. each representing two generated $817.8M in revenue, $7.8M in net income, and $96.9M in free cash flow against $1.92B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is YRD trading relative to its 50-day, 200-day, and 52-week technical levels?

YRD last traded at $0.47 (-0.84% on volume of 138,110 shares), positioning the stock -47.19% below its 50-day simple moving average ($0.89) and -74.59% below its 200-day simple moving average ($1.85). Across its 52-week range of $0.36 to $5.69, YRD sits at the 2.1% percentile with a 14-day RSI of 27.2 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($1.00 to $0.53).

YRD Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell YRD stock right now?

Yiren Digital Ltd. each representing two (YRD) currently earns a Roarable Rating of D+ (Sell — SELL) with 55/100 RQD Confidence. Stretched risk/reward at 5x P/E (-35% return on capital) under elevated 10-year interest-rate pressure.

What is YRD's 12-month price target and RQD AI Jury consensus?

YRD's 12-month base price target is $0.46 (range $0.36 to $5.97), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: YRD RQD Cockpit YRD 12M Forecast YRD Earnings & Move YRD Dividends & DRIP YRD Insiders & 13F YRD Whale Options YRD Profit Sankey YRD News & Why