Stock Ratings / Financials / YRD / financials

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Yiren Digital Ltd. each representing two (YRD) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

Q: How profitable is Yiren Digital Ltd. each representing two (YRD)?

In FY 2025 (10-K), YRD converted $817.8M of revenue into a 52% gross margin, 0% operating margin, and $96.9M in free cash flow (11.9% FCF margin).

$0.42 -11.81% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.41

Yiren Digital Ltd. each representing two (YRD) carries a Roarable Rating of D (Sell) with 45/100 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 Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $36.3M

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

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is YRD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, 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 45/100 at a spot price of $0.42 (-11.81% 1D, market cap $36.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, YRD ranks #807 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does YRD compare to AURE and CNF in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), YRD carries a Roarable D (45/100 RQD), trailing P/E of 5.3x, gross margin of —, and ROIC of -35.0%. By comparison, AURE (Aurelion Inc. (Class A)) holds a E grade (31/100 RQD, P/E N/A, ROIC —, cap $36.7M) and CNF (CNFinance Holdings Limited each representing two hundred (200)) posts a D grade (49/100 RQD, P/E N/A, ROIC —, cap $34.7M). Among the 5-stock peer group, YRD leads on earnings multiple (5.3x) while AMTD leads on capital efficiency (4.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for YRD?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $0.41 (-2.32%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 11.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.3% avg 90D alpha vs SPY • 29.0% hit rate).

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-4.8% Base Target

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

Deterministic 5-Pillar Attribution (45/100 Composite)

🔍 WHY YRD SCORES 45/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (29% of score)

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

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 11.9% FCF Margin ($96.9M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

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

Q1 (-3Q)

Grade C-$0.46+60.9% Next Q

Q2 (-2Q)

Grade C-$0.74-25.7% Next Q

Q3 (-1Q)

Grade D$0.55-23.6% Next Q

Current

Grade D$0.42-6.3% Hist 90D α

Trajectory: C- (53) → D (45)Full Audit →

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

⚔️ Adversarial Opposing Case: What Could Spark a YRD Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While YRD currently carries a cautious 45/100 (D) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.86) and Max Pain ($0.44) forces dealer call-delta covering toward $5.96.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 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 45%NO 55%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How YRD Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$96.9M (11.9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $817.8M

FY24

Rev $817.8M

FY25

Rev $817.8M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$817.8M	52%	-80%	$7.8M	$96.9M	-45%
FY 2024	$817.8M	52%	0%	$216.8M	$193.8M	-35%
FY 2023	$817.8M	52%	0%	$293.0M	$305.8M	-35%

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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RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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YRD // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -79.51%▼ DESCENDING CHANNEL

2026-11-03O $0.48H $0.48L $0.42C $0.42VOL 205.7K

RES: $0.94SUP: $0.15SMA50: $0.86SMA200: $1.82

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 #807 of 1096 ⚔️ AURE vs YRD Full Matrix →

1. Head-to-Head Financials Peer Comparison (YRD vs. AURE, CNF, MI, AMTD)

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 #807 by composite RQD confidence (45/100, grade D) and #1028 by equity capitalization ($36.3M). Within this direct 5-issuer industry benchmark cohort, YRD leads on earnings valuation at 5.3x trailing P/E, while AMTD leads on capital efficiency and profitability with 4.9% ROIC and — gross margin. CNF currently holds the highest overall quantitative score in the immediate peer group at 49/100 (D) compared with YRD at 45/100 (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	45/100	5.3x	—	-35.0%	-11.81%	$36.3M	Benchmark Subject
AURE Aurelion Inc. (Class A)	E	31/100	—	—	—	-0.47%	$36.7M	/aure-vs-yrd →
CNF CNFinance Holdings Limited each representing two hundred (200)	D	49/100	—	—	—	0.00%	$34.7M	/cnf-vs-yrd →
MI NFT Limited Class A Ordinary Share	E	22/100	—	—	-0.9%	-7.53%	$33.0M	/mi-vs-yrd →
AMTD AMTD IDEA Group each representing three hundred sixty (360) (Class A)	D	46/100	—	—	4.9%	-5.01%	$31.3M	/amtd-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?

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

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

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

YRD last traded at $0.42 (-11.81% on volume of 205,732 shares), positioning the stock -51.16% below its 50-day simple moving average ($0.86) and -76.92% below its 200-day simple moving average ($1.82). Across its 52-week range of $0.35 to $5.68, YRD sits at the 1.3% percentile with a 14-day RSI of 30.7 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($1.00 to $0.47).

YRD Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Yiren Digital Ltd. each representing two (YRD)?

In FY 2025 (10-K), YRD converted $817.8M of revenue into a 52% gross margin, 0% operating margin, and $96.9M in free cash flow (11.9% FCF margin).

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

ROARABLE RATING BRIEF • RQD 45/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

YRD — Yiren Digital Ltd. each representing two: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:47:37Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, YRD scores 45 out of 100 for a grade of D, labeled "Roarable Sell — Underperform / Distribution Warning." The five pillars are: Fundamental Cash Engine 11/20 (ROIC -35%; FCF yield 0%); Whale 13F Flow 5/20 (institutional accumulation and options positioning); Insider Conviction 10/20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit 6/20 (Beta 1.0; sector sensitivity); and Forensic Balance Sheet 13/20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5). For a prospective investor, the weakest pillars are the cash engine, institutional flow, and macro fit, while the balance sheet is the strongest relative input. The rating frames the stock as a distribution-risk name rather than an accumulation candidate, and the cash-engine pillar is where the weakness is most concentrated. Valuation looks low on earnings multiples (P/E 5.3 TTM per the market data), but the cash-generation and return-on-capital inputs do not confirm that low multiple as a margin of safety.

Business

Yiren Digital Ltd. each representing two is a NYSE-listed issuer in the Financials sector, Finance: Consumer Services industry, per the company profile. The profile does not describe its products, customers, or revenue model. Per the SEC financials, the company reported revenue of $817.8M for FY 2025, indicating an operating business of meaningful scale. The source data does not specify how the company makes money beyond this sector and industry classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$817.8M	$-849.5M	$7.8M	N/A	$96.9M	$478.8M	N/A
FY 2024	$0.0M	$0.0M	$216.8M	N/A	$193.8M	$526.3M	N/A
FY 2023	$0.0M	$0.0M	$293.0M	N/A	$305.8M	N/A	N/A

Per the SEC financials, FY 2025 shows an operating loss of $-849.5M against positive net income of $7.8M, and gross margin is reported as 0%, operating margin -60%, and net margin 1%. ROIC is -35% per the market data, and FCF yield is 0%. The Roarable RQD rating cites an Altman Z-Score of 2.5 and a Piotroski F-Score of 4/9, and Debt/Equity of 0.5. Cash declined from $526.3M in FY 2024 to $478.8M in FY 2025 per the SEC financials. Net income fell from $293.0M in FY 2023 to $7.8M in FY 2025 over the reported periods.

Open Questions

What is the composition of the FY 2025 operating loss of $-849.5M, and is it recurring?
What drives the gap between FY 2025 net income of $7.8M and the operating loss, and is that income sustainable?
What are the company's debt obligations, given the source reports debt as N/A while citing Debt/Equity of 0.5?
What products, customers, and revenue streams generate the reported $817.8M in revenue?
Why are the 52-week range ($0.35 to $5.68) and current price ($0.47) so far apart, and what caused the decline?

YRD Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Yiren Digital Ltd. each representing two (YRD) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to YRD Debate Forum (3) ↓

🔴 RISK WATCH Benzinga • 12d ago

Lexin Faces Potential Nasdaq Delisting Amid Mounting Pressure For China Fintechs

The online loan facilitator faces a potential delisting after its American depositary shares traded below $1 for 30 consecutive business days image credit: Bamboo Works Key Takeaways: Lexin’s American

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🟡 MARKET WIRE Benzinga • 13d ago

12 Financials Stocks Moving In Tuesday's After-Market Session

Gainers SHF Hldgs (NASDAQ:SHFS) shares moved upwards by 66.7% to $0.15 during Tuesday's after-market session. Netcapital (NASDAQ:NCPL) stock increased by 8.41% to $2.19. The company's market cap stands at

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🟡 MARKET WIRE ChartMill • 18d ago

These stocks have an unusual volume in today's session

On Thursday, there are stocks with unusual volume. Let's take a look.

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🟡 MARKET WIRE Benzinga • 18d ago

BayFirst Financial shares are trading higher. The company reported Q4 financial results.

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🟢 CATALYST Benzinga • 19d ago

Why is Yiren Digital Stock Surging Wednesday?

Yiren Digital shares surge 49% as it says an investigation is unrelated to operations, cites $250M cash, buyback plan and names an acting CEO

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 20d ago

Yiren Digital Provides Further Update on Operations

Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, tod

Read Full Source ↗

🔴 RISK WATCH Benzinga • 20d ago

Yiren Digital Issues Update On Developments Concerning Affiliates Of Its Controlling Shareholder; Investigation Relates To Business Activities Outside The Company And Is Not Directly Related To Its Business Operations; Reaffirms Intention To Continue Its Previously Announced Share Repurchase Program

Yiren Digital Ltd. (NYSE:YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and

Read Full Source ↗

🟢 CATALYST Benzinga • 20d ago

Safe Harbor Financial Reports Preliminary Q4 2025 Revenue Of $2.1M; Company Says It Eliminated $18.3M Debt And Raised $6.8M Capital

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

YRD Bull vs. Bear Conversation Board — What's Your Call at $0.42?

🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON YRD 🐻 67% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH 🎯 Target: $0.41 (-12.8%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is YRD (D • RQD 45/100) a Buy at $0.47?

Welcome to the YRD (Yiren Digital Ltd. each representing two) Roar Pit. Current RQD Composite is 45/100 (Roarable Sell — Underperform / Distribution Warning) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $0.36 (-23.4%)

Spot @ $0.47

Pump the brakes on YRD — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on YRD, but look at what you are paying: 5.3x trailing P/E with tightening sector spreads. Unless Yiren Digital Ltd. each representing two expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $0.55 (+17.0%)

Spot @ $0.47

YRD cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on YRD, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $0.47 (52-wk range $0.35 - $5.68), any beat on forward guidance forces shorts and underweight funds to chase.