YRD Stock Analysis: Buy, Sell, or Hold?
YRD - Yiren Digital Ltd.
$3.97
-0.21 (-5.02%)
ā¼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Mar 19, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
š” BUY OPPORTUNITY: YRD shows positive signals but monitor for confirmation. Moderate conviction.
š” BUY OPPORTUNITY: YRD shows positive signals but monitor for confirmation. Moderate conviction.
In-depth Analysis How we analyze
Valuation Analysis: YRD is currently trading at $3.97, which is considered fair relative to its 30-day fair value range of $3.86 to $4.16.
Technical Outlook: Technically, YRD is in a strong downtrend. Immediate support is located at $3.80, while resistance sits at $4.35. Short-term momentum is weak, with the stock down 5.0% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $2.03. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, YRD is in a strong downtrend. Immediate support is located at $3.80, while resistance sits at $4.35. Short-term momentum is weak, with the stock down 5.0% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $2.03. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$3.86 -
$4.16
Company Quality Score
54/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
61.3%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-5.0%)
- BEARISH: Trading 51.4% above Wall St target ($2.03)
Fair Price Analysis
30-Day Fair Range
$3.86 -
$4.16
Current vs Fair Value
FAIR
Expected Move (7 Days)
Ā±$0.44
(11.0%)
Support & Resistance Levels
Support Level
$3.80
Resistance Level
$4.35
Current Trend
Strong Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
3.07
Wall Street Target
$2.03
(-51.4%)
Revenue Growth (YoY)
10.4%
Earnings Growth (YoY)
-12.4%
Profit Margin
21.1%
Last updated: January 30, 2026 7:35 PM ET
Data refreshes hourly during market hours. Next update: 8:35 PM
Data refreshes hourly during market hours. Next update: 8:35 PM
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Technical Signals Check
Is YRD showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced YRD Option Strategies
Professional options setups generated by AI based on today's YRD price and gamma walls.
