Stock fact sheet · data as of
Yiren Digital Ltd. (YRD): fair value, margin of safety and Wheel Score
Financial Services · Financial - Credit Services · China · ADR · Speculative / Distressed
Is YRD undervalued?
Yiren Digital Ltd. (YRD) closed at 0.6496 on 16 Oct 2026. The GLS average fair value - the simple average of the 2 valuation models that produced a positive number - is 39.61, which puts the price 98% below it. 2 of the 2 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
The average is built from just 2 models (DCF, DDM) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files YRD under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for YRD
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 35.91 | +5429% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 43.32 | +6568% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | 91.50 | +13985% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Yiren Digital Ltd. scores only 2 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 2.6/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 0.4%, ROE 0.4%, ROA 0.3% - with debt at 0.01 times equity and negative free cash flow.
The dividend yield is high at 67.73% (payout ratio -18%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Technology Service 100% (fiscal year FY2025).
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 2 / 9 | ROIC | 0.4% |
|---|---|---|---|
| GLS Moat | 2.6 / 10 | ROE | 0.4% |
| Debt / equity | 0.01 | ROA | 0.3% |
| Free-cash-flow yield | -502.0% | Payout ratio | -18% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 45: Weak
With a Wheel Score of 45 Yiren Digital Ltd. sits in the Weak band, capped at 45 because the engine files it as Speculative / Distressed. The parts - Value 25/25, Health 4/20, Moat 4/15, Premium 5/20, Stability 14/20 - show where: Health (4/20) scores lowest.
Implied volatility is 187%, far above the range the wheel strategy is built for. The premium looks generous; the Wheel Score gives it only 5 of 20 Premium points because moves of that size can blow through any strike. Chain open interest is thin - 1,965 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 130.5M shares a day on a market cap of $56M, with a beta of 1.12; the Stability part of the Wheel Score gives that 14 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 98% margin of safety | |
| Health | 4 / 20 | Piotroski 2/9 | |
| Moat | 4 / 15 | moat 2.6/10 | |
| Premium | 5 / 20 | implied volatility 187% | |
| Stability | 14 / 20 | 130.5M shares/day, $56M cap, beta 1.12 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 25 Nov 2026 (before the open), 40 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
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The 12 companies below are the closest to Yiren Digital Ltd. by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
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| XYF X Financial | 4.85 | 2,092.71 | +100% | 39No options | $32M |
| FOA Finance of America Companies Inc. | 10.99 | - | - | 39Weak | $101M |
| PRPS Propellus Inc. | 3.11 | - | - | 25No options | $28M |
| LX LexinFintech Holdings Ltd. | 0.6840 | 85.88 | +99% | 63Fair | $115M |
| FIGI Freedom Internet Group Inc. | 2.05 | 0.0075 | -27248% | 15No options | $23M |
| STQN Strategic Acquisitions, Inc. | 0.3800 | - | - | 25No options | $18M |
| SWKHL SWK Holdings Corporation 9.00% Senior Notes due 2027 | 25.11 | 57.08 | +56% | 38No options | $192M |
| TROO TROOPS, Inc. | 1.63 | - | - | 25Weak | $199M |
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Start free See the Sunday ScanQuestions about YRD
Is YRD undervalued right now?
By the GLS models, yes: at 0.6496 the stock is 98% below the average fair value of 39.61 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of YRD and what does it mean?
YRD scores 45 out of 100 (Weak). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for YRD?
39.61 per share as of 16 Oct 2026 - the simple average of the 2 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Yiren Digital Ltd. report earnings next?
The next earnings report is due on 25 Nov 2026 (before the open), 40 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does YRD have listed options, and how liquid are they?
Yes. The nightly snapshot found 30 listed contracts with 1,965 open interest across all expiries and implied volatility of 187% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.