Stock Ratings / Financials / YRD / dividends

AURE (42) AVAT (45) MI (31) MATH (55) ⌘ Pro Terminal →

Yiren Digital Ltd. each representing two (YRD) Dividend Safety Gauge & 10-Year DRIP Compounder

Q: Does YRD pay a dividend and is it safe?

Yiren Digital Ltd. each representing two (YRD) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

$0.47 -0.84% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.47

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.

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $0.47 (-0.34%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 11.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (55/100 Composite)

🔍 WHY YRD SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+13/20 pts (24% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)

Macro rate sensitivity & RSI-14 (27.2) create a -12 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$1.00-25% Next Q

Q2 (-2Q)

Grade C$0.75-10.7% Next Q

Q3 (-1Q)

Grade C$0.67-29.9% Next Q

Current

Grade D+$0.47-0.5% Hist 90D α

Trajectory: C+ (63) → D+ (55)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the YRD Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, YRD faces multiple-compression risk if 5.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($0.89) or 200D SMA ($1.85) invalidates the momentum regime and cuts Target Base ($0.46) toward Bear Floor ($0.36).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $YRD• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “YRD Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 55%NO 45%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

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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Join Founding VIP Waitlist (No Card Required) →$100K Arena

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

Does YRD pay a dividend and is it safe?

Yiren Digital Ltd. each representing two (YRD) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

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