YRD (Yiren Digital) Research & Development: $60.9 Mil (TTM As of Mar. 2026)


YRD Yiren Digital Ltd YRD
59 GF Score
Price $1.11
GF Value $5.67
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Yiren Digital Research & Development?

Yiren Digital YRD +0.91% 59 Research & Development is $60.9 Mil as of Mar. 2026. GuruFocus rates YRD with a GF Score™ of 59/100 and a GF Value™ of $5.67 (Significantly Undervalued). The stock has 4 warning signs investors should review.

Research & Development is the aggregate amount of research and development expenses during the year. Yiren Digital's Research & Development for the three months ended in Mar. 2026 was $15.8 Mil. Its Research & Development for the trailing twelve months (TTM) ended in Mar. 2026 was $60.9 Mil.

Yiren Digital  (NYSE:YRD) Research & Development Explanation

If competitive advantage is created by a patent or tech advantage, at some point it will disappear.

High R&D usually dictates high SG&A which threatens the competitive advantage.

Yiren Digital Research & Development Related Terms

Yiren Digital Research & Development Historical Data

* Premium members only.

The historical data trend for Yiren Digital's Research & Development can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Yiren Digital Research & Development Chart

Yiren Digital Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Research & Development
Get a 7-Day Free Trial Premium Member Only Premium Member Only 32.66 21.79 20.83 56.57 57.73

Yiren Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Research & Development Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.86 15.00 12.85 17.24 15.81
YRD
59GF Score
Yiren Digital Ltd YRD
Research & Development is just one metric. See GF Score™, valuation, warning signs, and more.
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Yiren Digital Research & Development Calculation

This is the expense the company spent on research and development.

Research & Development for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $60.9 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Research & Development →
What does a Research & Development of $60.9 Mil mean?
Yiren Digital (YRD) has a Research & Development of $60.9 Mil as of Mar. 2026. Research and development expense is the total cost for research and development activities. View historical data on Yiren Digital and its competitors.
Is Yiren Digital's Research & Development too high?
Yiren Digital's current Research & Development is $60.9 Mil. Overall, Yiren Digital has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's Research & Development compare to SUIG and VRM?
Yiren Digital's Research & Development of $60.9 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Research & Development for a Credit Services company?
A good Research & Development depends on the Credit Services industry context. However, Research & Development 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 Research & Development mean?
A high Research & Development can signal that a stock is expensive relative to its fundamentals. Research and development expense is the total cost for research and development activities. View historical data on Yiren Digital and its competitors. Yiren Digital's current Research & Development is $60.9 Mil. 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 (YRD) is currently considered Significantly Undervalued. The stock's GF Value™ is $5.67, compared to a current price of $1.11 — trading 80.4% below its estimated fair value. The current Research & Development is $60.9 Mil. Yiren Digital's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Research & Development calculated?
Research & Development is calculated from a company's financial statements. For Yiren Digital (YRD), the current Research & Development is $60.9 Mil as of Mar. 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 (YRD) Overvalued in 2026?

Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued. The current stock price of $1.11 is trading 80.4% below its estimated GF Value™ of $5.67. GuruFocus considers Yiren Digital to be Significantly Undervalued.

Key valuation signals for YRD:

  • Research & Development: $60.9 Mil
  • GF Value™: $5.67 vs. price of $1.11 (80.4% 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

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Research & Development is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.11
Price
$5.67
GF Value