Yiren Digital (MEX:YRD N) Moat Score : 3/10 (As of Jul. 19, 2025)

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What is Yiren Digital Moat Score?

Yiren Digital has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Yiren Digital has No Moat: Yiren Digital Ltd operates in a highly competitive fintech market with limited customer loyalty and switching costs. The company lacks strong brand strength and durable cost advantages, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Yiren Digital might have No Moat - Very weak/transient advantages.

Competitive Comparison of Yiren Digital's Moat Score

For the Credit Services subindustry, Yiren Digital's Moat Score, along with its competitors' market caps and Moat 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's Moat Score Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Yiren Digital's Moat Score distribution charts can be found below:

* The bar in red indicates where Yiren Digital's Moat Score falls into.

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Yiren Digital (MEX:YRD N) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Yiren Digital Moat Score Related Terms

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Yiren Digital Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Yiren Digital Ltd (MEX:YRD N) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

YRD:USA 19YA:Germany

Address

118 Jianguo Road, 28th Floor, China Merchants Bureau Building, Chaoyang District, Beijing, CHN, 100022

Website

https://ir.yiren.com

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.

Yiren Digital Headlines

No Headlines