MARKET WIREReuters • 3h ago
Iran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz - ReutersIran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz Reuters
Why YRD Stock slipped -0.84% Today — RQD Quant Desk Flash
$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.
ROARABLE D+ • SELL / AVOID
Cap $41.2M
INTERACTIVE SCENARIO DECK:
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
63
Q2 (-2Q)Grade C$0.75-10.7% Next Q
60
Q3 (-1Q)Grade C$0.67-29.9% Next Q
58
CurrentGrade D+$0.47-0.5% Hist 90D α
55
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why YRD Stock slipped -0.84% Today — RQD Quant Desk Flash
Yiren Digital Ltd. each representing two (YRD) slipped -0.84% to $0.47, trading at 2% of its 52-week range ($0.36 – $5.69). Stretched risk/reward at 5x P/E (-35% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 2% of its 52-week range ($0.36 – $5.69) with RSI-14 at 27.2 (OVERSOLD (<32)).
- ▸Volatility Profile: Historical 20-day realized swing band of ±12.5% around $0.47 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $96.9M annual free cash flow.
Live YRD Headlines & Catalysts
MARKET WIRECNBC • 5h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
MARKET WIRECNBC • 5h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 7h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 8h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 9h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 9h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 10h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
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
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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
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 0001631761In 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 ENABLEDIs 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 × FREDWhy is YRD stock moving today?
Why YRD Stock slipped -0.84% Today — RQD Quant Desk Flash. Stretched risk/reward at 5x P/E (-35% return on capital) under elevated 10-year interest-rate pressure.