YRD · Yiren Digital Ltd.
$1.21
-0.04 (-3.20%)
At close · Jul 23
Market Cap
$105.86M
Shares
87.49M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$1.21
Open$1.24
Day$1.20–1.25
52W$0.82–6.79
Avg vol 30d2.1M
Short int173K · 0.2% float · 1.5d
Short vol22%
Last earningsJun 25, 2026
DataJan 2020–Jul 2026
Up next
Next earnings call
Sep 20, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Sell
Momentum
Weak
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 18.7 · elevated
Equity put/call 0.61
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−63%
below
Price vs 50-day avg
−11%
below
RSI (14)
46
neutral
MACD trend
Positive
52-week position
7%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+7%
trailing
6-month return
−71%
trailing
YTD return
−67%
this year
Relative strength
−77%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $1 › 200d $3 — 200d above 50d
Institutional flow
Accumulating
2 of 23 funds reported for Jun 30 · net +132.0K sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.20% of float · ▲ +45.8% MoM · 1.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
23 holders — mid 3-yr range
Squeeze score
42
elevated · 0–100
Fundamentals
EPS growth
−97%
Y/Y
Free cash flow
$96.9M
Buyback
$20.0M
authorized
Balance sheet
$478.8M
net cash
Quant / Vol
risk profile
Volatility
94%
annualized · 1-yr
Max drawdown
−87%
past year
ATR
9.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−63%
Bearish
Price vs 50-day avg
−11%
Bearish
RSI (14)
46
Neutral
MACD trend
Positive
Bullish
52-week position
7%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $1 › 200d $3 — 200d above 50d
Institutional flow
Accumulating
2 of 23 funds reported for Jun 30 · net +132.0K sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.20% of float · ▲ +45.8% MoM · 1.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
23 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $1
Now $1 · 7%
52-wk high $7
vs 200-day avg -63%
vs 50-day avg -11%
Illustrative technical + ownership context — a signal mix, not investment advice.
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
YRD
this stock
Yiren Digital Ltd.
|
$105.86M | -67.3% | +15.4% | — | 0.2% |
|
V
Visa Inc.
|
$630.69B | +0.5% | +12.3% | — | 1.2% |
|
MA
Mastercard Inc
|
$470.05B | -6.7% | +16.4% | 30.8 | 0.9% |
|
AXP
American Express Co
|
$232.56B | -7.7% | +13.4% | 21.3 | 1.6% |
|
COF
Capital One Financial Corp
|
$124.43B | -17.2% | +36.6% | 51.0 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| YRD | -2.4% | +7.1% | -71.1% | +44.7% | -67.3% |
| SPY | -1.7% | +0.7% | +6.4% | -1.2% | +8.3% |
| vs SPY | -0.8% | +6.4% | -77.4% | +45.9% | -75.6% |
Capital returns
Latest dividend
$0.22
/ share · ex Apr 30, 2025
Paid (TTM)
$0.00
/ share · 0 payouts
Dividend yield (TTM, derived)
— · no payout in the trailing year
Buyback program
· as of Sep 30, 2022
Authorized
$20.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.