Yiren Digital runs a China-focused online lending marketplace that matches individual borrowers with funding partners and earns fees on loans it facilitates, alongside a smaller tech services business. The structural pitch is a high gross margin of 81.8% on a platform with few fixed assets, and a forward P/E of 7.1 that prices in little of the business. The problem is the top line: revenue fell 46.1% year on year, the operating margin is still negative at -13.3%, and ROE stands at -17.8%, so the shrinkage has not yet stopped. With a market cap of about $68M and no index membership, the name only merits a deeper look if the revenue decline shows signs of bottoming and the company can convert its gross margin into operating profit.
Plain-English pros, cons, and what to watch. Pro feature.
See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
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| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 15 Oct 2026, 00:00 CEST | ACCE price target | $0.80 | first publication | $0.65 |
| 2 Oct 2026, 00:00 CEST | Fair value | $3.03 | $3.13 | $6.37 |
| 1 Oct 2026, 00:00 CEST | Fair value | $3.13 | $3.09 | $6.70 |
| 30 Sept 2026, 00:00 CEST | Fair value | $3.09 | $3.12 | $6.58 |
| 18 Sept 2026, 00:00 CEST | Fair value | $3.12 | $3.17 | $6.57 |
| 13 Sept 2026, 00:00 CEST | Fair value | $3.17 | $3.13 | $6.78 |
| 11 Sept 2026, 00:00 CEST | Fair value | $3.13 | $3.21 | $6.64 |
| 6 Sept 2026, 00:00 CEST | Fair value | $3.21 | $3.02 | $6.85 |
| 4 Sept 2026, 00:00 CEST | Fair value | $3.02 | $2.96 | $6.79 |
| 3 Sept 2026, 00:00 CEST | Fair value | $2.96 | $3.11 | $6.59 |
Answered from Yiren Digital Ltd. American Depositary Shares each representing two ordinary shares fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| YRD Yiren Digital Ltd. American Depositary Shares each representing two ordinary shares | $0.67 | - | - | - | -17.8% | 47 | 34 |
| INTRUM.ST Intrum AB (publ) | kr 1.83 | - | - | - | -11.4% | 46 | 35 |
| HOFI.ST Hoist Finance AB (publ) | kr 178.70 | kr 163 | 9% above | 11.5x | 20.8% | 81 | 85 |
| HUDCO.NS Housing and Urban Development Corporation Limited | ₹146.02 | - | - | 6.9x | - | 76 | 67 |
| 8252.T Marui Group Co., Ltd. | ¥2801.00 | - | - | 17.0x | 12.4% | 62 | 53 |
| GENTERA.MX Gentera | MXN 37.41 | MXN 55 | 32% below | 6.7x | 26.2% | 100 | 59 |
| 8253.T Credit Saison Co., Ltd. | ¥4135.00 | - | - | 9.0x | 9.3% | 64 | 62 |
Where YRD ranks against its sector peers on each metric.