Should I Buy YRD? YRD 2026 Analysis

Should You Buy Yiren Digital Ltd (YRD) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

4.180

1 Day change

-1.65%

52 Week Range

8.740

Analysis Updated At

2026/01/26

Yiren Digital Ltd (YRD) is not a strong buy for a beginner, long-term investor at this moment. The technical indicators are neutral to bearish, options data suggests limited bullish sentiment, and financial performance shows declining net income and EPS despite revenue growth. There are no significant positive catalysts or trading signals to justify an immediate purchase.

Technical Analysis

The MACD is slightly positive but contracting, RSI is neutral at 34.533, and moving averages are bearish (SMA_200 > SMA_20 > SMA_5). The stock is trading near its support level (S1: 3.821) with resistance at 4.066. Overall, the technical trend is weak and does not indicate a strong entry point.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Options data shows a low put-call ratio, indicating limited bearish sentiment, but the overall volume and open interest trends do not suggest strong bullish activity.

Technical Summary

Sell

Buy

Positive Catalysts

Revenue increased by 10.66% YoY in Q3 2025, showing some growth potential. The next earnings report is scheduled for February 2026, which could provide more clarity on performance.

Neutral/Negative Catalysts

Net income and EPS dropped by 10.64% and 10.40% YoY, respectively, indicating profitability challenges. No recent news, insider activity, or hedge fund interest to drive momentum. Technical indicators and options data do not suggest strong upward movement.

Financial Performance

In Q3 2025, revenue increased to 1.41 billion (up 10.66% YoY), but net income dropped to 317.6 million (-10.64% YoY), and EPS decreased to 1.81 (-10.40% YoY). Gross margin remained flat at 0%.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No analyst rating or price target data provided.

Analyst Rating

Wall Street analysts forecast YRD stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for YRD is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

Buy