Yiren Digital Ltd.
YRDFinancial ServicesNASDAQCredit Services · Last scanned Sep 8, 2026
Scan Results
Daily timeframeYiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services.
Market Cap
—
Beta
1.14
P/E (TTM)
—
P/E (Fwd)
—
EPS (TTM)
$-1.17
EPS (Fwd)
—
ROE
-7.4%
ROA
8.1%
Cash
$2.45B
Total Debt
$35.3M
Free CF
-$173.2M
52W Change
-82.4%
Annual Financials
Cash vs Debt
Where YRD stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, YRD finished 49.50% below its 150-day moving average ($2.00) and 60.55% below its 200-day moving average ($2.56). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is YRD overbought or oversold?
At the September 3, 2026 close, YRD's RSI(14) was 18.5, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $2.45B in cash and $35.3M in debt, YRD maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Free cash flow is running at -$173.2M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of -7.4% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 8.1% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $3.43B (2022) to $5.72B (2025), reflecting a 67% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing YRD.