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Yiren Digital Ltd (YRD) Fair Value & Analysis

Financial Services · US · Market cap $103M

Price$1.10
Fair Value$1.24
Upside+12.8%
Quality95/100
Evidence: High Range $1.24 – $1.24

Fair value as of: Jun 26, 2026

Analysis

Yiren Digital Ltd (YRD) currently trades at $1.10, while our model-based Fair Value estimate is $1.24 — implying the stock looks roughly 12.8% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Yiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services. The company offers credit solutions, insurance brokerage, and others. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

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Frequently asked questions

Is Yiren Digital Ltd (YRD) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $1.24 versus a price of $1.10 — about +13% (undervalued). Model-based estimate, not financial advice.
What is the fair value of YRD?
Our 21-model fair value for Yiren Digital Ltd is $1.24 (as of Jun 26, 2026), built from audited fundamentals. The current price is $1.10.
What is the quality score of YRD?
Yiren Digital Ltd has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.