Yiren Digital Ltd. (YRD) Stock Score, Valuation & Financial Research
Yiren Digital Ltd. is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 63/100.
Quick answer for YRD
Yiren Digital Ltd. currently has a Wall Street Score of 63/100. The stored market price is $0.99. Its financial score is 50/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What Yiren Digital Ltd. does
Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment produ
YRD financial snapshot
- Wall Street Score:
- 63/100
- Current price:
- $0.99
- Market capitalization:
- $86.4M
- Revenue:
- $752.2M
- Net income:
- $-101.5M
- Free cash flow:
- $99.9M
- Cash:
- $361.7M
- Total debt:
- $5.2M
- EPS:
- 0.13
- P/E ratio:
- 7.5x
- Financial score:
- 50/100
- Valuation score:
- 100/100
- Revenue score:
- 25/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $99.9M, showing positive cash generation.
- The balance sheet shows $361.7M of cash versus $5.2M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 50/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research YRD
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.