Stock Ratings / Financials / YRD / earnings

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Yiren Digital Ltd. each representing two (YRD) Next Earnings Date & Expected ±12.5% Move

Q: When is YRD's next earnings date?

Based on SEC filing cadence, Yiren Digital Ltd. each representing two (YRD)'s next quarterly reporting window is estimated around Dec 30, 2026.

Q: How much is YRD stock expected to move on earnings?

Volatility modeling currently projects a ±12.5% event move for YRD, spanning a range between $1 and $0.53.

$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%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±12.5% Swing Band

±$0.06 Expected Swing

MODEL EARNINGS SETUP GAUGE

YRD Quantitative Pre-Earnings Setup: 55/100

Trailing EPS: $0.19 • YoY Revenue Growth: 12.4%

Model Bullish Setup (55/100)Model Risk Weight (45/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$817.8M	$7.8M	$96.9M	52%
FY 2024	2024-12-31	$0	$216.8M	$193.8M	52%
FY 2023	2023-12-31	$0	$293.0M	$305.8M	52%

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
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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).