Yiren Digital has the GF Score of 55, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Yiren Digital
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Yiren Digital (FRA:19YA) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Yiren Digital GF Score Related Terms
FRA:19YA vs SUIG, ANTA, VRM: GF Score Comparison
For the Credit Services subindustry, Yiren Digital's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Yiren Digital GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's GF Score distribution charts can be found below:
* The bar in red indicates where Yiren Digital's GF Score falls into.
Yiren Digital (FRA:19YA) has a GF Score of 55 as of Jul. 06, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Yiren Digital and its competitors. This is 15% below median its historical median of 65.00. Over the past decade, Yiren Digital's GF Score has ranged from 14.00 to 79.00.
Is Yiren Digital's GF Score too high?
Yiren Digital's current GF Score of 55 is 15% below median its 10-year median of 65.00. Over the past 10 years, this metric has ranged from a low of 14.00 to a high of 79.00. Overall, Yiren Digital has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's GF Score compare to SUIG and ANTA?
Yiren Digital's GF Score of 55 can be compared against companies in the Credit Services industry. Historically, Yiren Digital's own GF Score has ranged from 14.00 to 79.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Yiren Digital and its competitors. Yiren Digital's current GF Score is 55, which is 15% below median its own 10-year median of 65.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yiren Digital stock overvalued right now?
Based on GuruFocus' analysis, Yiren Digital (FRA:19YA) is currently considered Possible Value Trap. The stock's GF Value™ is €3.76, compared to a current price of €1.22 — trading 67.6% below its estimated fair value. The current GF Score is 55, which is 15% below median its 10-year median of 65.00. Yiren Digital's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Yiren Digital (FRA:19YA), the current GF Score is 55 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Yiren Digital (FRA:19YA) Overvalued in 2026?
Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued.
The current stock price of €1.22 is trading 67.6% below its estimated GF Value™ of €3.76.
GuruFocus considers Yiren Digital to be Possible Value Trap.
Key valuation signals for FRA:19YA:
GF Score: 55 (15% below median its 10-year median of 65.00)
GF Value™: €3.76 vs. price of €1.22 (67.6% below fair value)
No single metric tells the full story. See the FRA:19YA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yiren Digital Ltd is an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China. Its mission is to elevate customers' financial well-being and enhance their quality of life by delivering digital financial services, tailor-made insurance solutions, and premium lifestyle services. The company supports clients at various growth stages, addressing financing needs arising from consumption and production activities, while aiming to augment the overall well-being and security of individuals, families, and businesses.
55GF Score
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