YRD (Yiren Digital) Margin of Safety % (DCF FCF Based): N/A (As of Jun. 26, 2026)


YRD Yiren Digital Ltd YRD
59 GF Score
Price $1.08
GF Value $5.67
Valuation Significantly Undervalued
! 4 Warning Signs
View Full Analysis

What is Yiren Digital Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Yiren Digital's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

YRD vs SUIG, VRM, FOA: Margin of Safety % (DCF FCF Based) Comparison

For the Credit Services subindustry, Yiren Digital's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Yiren Digital's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Yiren Digital's Margin of Safety % (DCF FCF Based) falls into.


YRD
59GF Score
Yiren Digital Ltd YRD
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Yiren Digital (YRD) Overvalued in 2026?

Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued. The current stock price of $1.08 is trading 81% below its estimated GF Value™ of $5.67. GuruFocus considers Yiren Digital to be Significantly Undervalued.

Key valuation signals for YRD:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $5.67 vs. price of $1.08 (81% below fair value)
  • GF Score™: 59/100 with 4 warning signs

No single metric tells the full story. See the YRD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Yiren Digital Business Description

Other Exchanges YRD N:Mexico19YA:Germany
Address 118 Jianguo Road, 28th Floor, China Merchants Bureau Building, Chaoyang District, Beijing, CHN, 100022
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.
59GF Score

Get the complete analysis for YRD

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.08
Price
$5.67
GF Value