YRD:NYSEYiren Digital Ltd. Analysis
Data as of 2026-08-10 - not real-time
$1.26
Latest Price
9/10Risk
Risk Level: High
Executive Summary
At $1.26, Yiren Digital Ltd. shows a bearish moving-average alignment, with shorter averages beneath longer ones. Over a rolling month the price has gained 14.5%. With RSI at 54.6 the momentum picture is neutral, alongside a bullish MACD signal. Watch $1.04 as support and $1.31 as the nearer resistance level.
Revenue is contracting at 41.1% on a -13.5% profit margin. The 27.16% dividend yield looks stretched against payout coverage.
Risk scores 9 out of 10, which is high for this asset class. With 30-day volatility of 175.4%, a beta of 1.21 and a maximum drawdown of 87.3%, position sizing matters more than entry timing here. The wider market backdrop reads extreme greed at 94 on the fear-greed composite.
Short, medium and long-term reads agree on hold, with conviction of 2/10.
Revenue is contracting at 41.1% on a -13.5% profit margin. The 27.16% dividend yield looks stretched against payout coverage.
Risk scores 9 out of 10, which is high for this asset class. With 30-day volatility of 175.4%, a beta of 1.21 and a maximum drawdown of 87.3%, position sizing matters more than entry timing here. The wider market backdrop reads extreme greed at 94 on the fear-greed composite.
Short, medium and long-term reads agree on hold, with conviction of 2/10.
Top Market Events
Despite a significant revenue drop, Yiren Digital Ltd YRD leverages AI to enhance credit quality and expand its...Updated Jun 17, 2026 0 BEIJING, June 17, 2026 /PRNewswire/ -- Yiren Digital Ltd.Yiren Digital Ltd. YRD stock rose on Thursday after the company announced a new share repurchase program. Yiren Digital...
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 2/10
Key Factors
- Short-term moving averages stacked below long-term ones
- Trading below the 200-day average of 2.96
- MACD momentum is positive
Medium Term
1–3 yearsNeutral
Model confidence: 2/10
Key Factors
- Short-term moving averages stacked below long-term ones
- Dividend yield of 27.16% looks stretched against payout coverage
- Trading below the 200-day average of 2.96
Long Term
> 3 yearsNeutral
Model confidence: 2/10
Key Factors
- Dividend yield of 27.16% looks stretched against payout coverage
- Negative profit margin of -13.5%
- Negative return on equity of -7.4%
Key Metrics & Analysis
Financial Health
Revenue Growth-41.10%
Profit Margin-13.51%
ROE-7.42%
ROA8.12%
Debt/Equity0.40
P/B Ratio0.1
Op. Cash Flow$-430615008
Free Cash Flow$-173244000
Industry P/E16.9
Technical Analysis
TrendBearish
RSI54.6
Support$1.04
Resistance$1.31
MA 20$1.19
MA 50$1.21
MA 200$2.96
MACDBullish
VolumeDecreasing
Fear & Greed Index93.91
Valuation
GradeFair
TypeValue
Dividend Yield27.16%
Risk Assessment
Beta1.21
Volatility175.35%
Sector RiskMedium
Reg. RiskHigh
Geo RiskHigh
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.