- No strong opportunity cluster is confirmed yet; monitor trend and activity pressure.
YRD
NYSE
Week ended 31 Jul 2026
Weekly Investor Report
Yirendai Ltd · Financial Services · Credit Services
Latest close
1.11 USD
-5.9%
latest week
Weekly setup
Weak trend
The weekly trend is not active. Price is -52.2% below the Trend Line and sits at 4.9% of its 52-week range. The latest completed week returned -5.9%, after a -22.9% four-week move. The latest factor snapshot indicates quality is middle-of-the-pack; growth is moderate; valuation is neither clearly cheap nor expensive. Options positioning is volatility with 52/100 conviction, while the latest news-sentiment score is 62/100. Near-term considerations: volume confirmation is below normal; earnings are due in 18d.
Setup score
13
out of 100
Latest Close
1.11 USD
31 Jul 2026
1W Return
-5.9%
latest completed week
4W Return
-22.9%
short-term follow-through
12W Return
-44.5%
quarterly tape
Trend Breadth
0.0%
0 of 52 weeks active
Volume Ratio
0.0x
vs 13-week average
- The trend backdrop is inactive, so price action has not confirmed a constructive regime.
- Price is below the Trend Line, which keeps downside pressure in focus.
- Price is below Fair Value, so the market is still discounting the latest tape.
- Activity pressure is negative, which weakens the current setup.
- Trend Line remains the key weekly regime level.
- Activity pressure is the gauge to monitor for confirmation or fade.
- A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through
-5.9%
Latest completed week; four-week move -22.9%.
Indicator stack
0/56
Trend and activity pressure are weighted against the latest 12-week confirmation window.
Trend backdrop
Active
The trend backdrop defines the current weekly regime.
Patient Capital
Quiet
Activity-pressure buy-signal status for institutional accumulation timing.
Next-Week Expectancy
Negative 41.07%
Historical one-week expectancy contributes to the evidence score when direction is confirmed.
Options pressure
Volatility
52/100 conviction; expected move 122.5%.
News sentiment
62/100
18 relevant articles in the latest sentiment read.
Event risk
18d
Next report is scheduled for 20 Aug 2026; event risk rises as the date approaches.
01 · Price action
Study the full chart
Where price is—and whether the trend supports it
The weekly trend is not active. Price is -52.2% below the Trend Line and sits at 4.9% of its 52-week range. The latest completed week returned -5.9%, after a -22.9% four-week move.
52-week price path
Price vs Trend Line and Fair Value
Price
Trend Line
Fair Value
02 · Volume and demand
Is real participation confirming the move?
Latest weekly volume is 0.0x the 13-week average. Participation is below its recent norm, so price strength is not receiving full volume confirmation.
26-week volume confirmation
Bar height shows volume; colour shows the weekly price direction
6 Feb
13 Feb
20 Feb
27 Feb
6 Mar
13 Mar
20 Mar
27 Mar
3 Apr
10 Apr
17 Apr
24 Apr
1 May
8 May
15 May
22 May
29 May
5 Jun
12 Jun
19 Jun
26 Jun
3 Jul
10 Jul
17 Jul
24 Jul
31 Jul
Up week
Down week
Demand beneath price
Activity pressure and institutional-style signals
These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.
Activity pressure path
Latest 0.0912-week average 0.03
12-week confirmation
Trend active0/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure3/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership0/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.09Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers0No reversal markers
No recent accumulation markers. No reversal markers.
03 · Momentum and leadership
Is performance persistent—and is the stock leading?
Performance is -22.9% over four weeks, -44.5% over 12 weeks, and -79.7% over one year. The current trend has remained active for 0 consecutive weeks.
Performance by holding period
Active trend streak0 weeks
Active weeks in one year0
Trend breadth0.0%
Activity pressure vs relative leadership
Activity pressureRelative leadership
Pressure-0.04Latest activity-pressure read.
Pressure change86.9%Four-week change in activity pressure.
Leadership-72.00Latest relative-leadership reading.
RS change-7.1%Four-week change in relative leadership.
04 · Fundamentals and valuation
Open full factor analysis
What investors are paying for—and the quality behind it
The latest factor snapshot indicates quality is middle-of-the-pack; growth is moderate; valuation is neither clearly cheap nor expensive.
Factor week 26 Jul 2026
Financial statements through 31 Mar 2026
Field coverage 88%
Model confidence 84%
Relative factor standing
Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.
Overall factor strength76/100Blend of value, momentum, and quality. Underlying universe rank 25; rank 1 is best.
Value63/100Relative valuation strength. Underlying universe rank 38; rank 1 is best.
Quality61/100Profitability and accounting quality. Underlying universe rank 40; rank 1 is best.
Momentum63/100Medium-term price momentum. Underlying universe rank 38; rank 1 is best.
Growth63/100Revenue and earnings growth. Underlying universe rank 38; rank 1 is best.
Quality and valuation are separate questions
A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.
Valuation
How much investors are paying for earnings, sales, and cash flow.
- P/E
- - Price divided by trailing earnings.
- Price / sales
- - Market value relative to trailing revenue.
- EV / EBITDA
- - Enterprise value relative to operating cash earnings.
- Free-cash-flow yield
- - Free cash flow as a share of enterprise value.
Business quality
Margins and the return generated on invested capital.
- Gross margin
- 85.0% Gross profit retained from each unit of revenue.
- Operating margin
- -23.4% Operating profit retained from revenue.
- Free-cash-flow margin
- 14.3% Free cash flow generated from revenue.
- Return on invested capital
- -14.1% Operating return generated on invested capital.
Growth and financial strength
Recent business growth and accounting strength.
- Revenue growth
- -14.7% Latest one-year revenue growth.
- EPS growth
- - Latest one-year earnings-per-share growth.
- Free-cash-flow growth
- - Latest one-year free-cash-flow growth.
- Piotroski F-score
- 6/9 Nine-point accounting-strength checklist.
Shareholder return and balance sheet
Cash returned to owners and financial leverage.
- Dividend yield
- - Cash dividends relative to market value.
- Buyback yield
- - Net share repurchases relative to market value.
- Shareholder yield
- - Dividend yield plus net buyback yield.
- Net debt / EBITDA
- 5.5x Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment
What other market participants are doing
Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.
Options positioningVolatility
YRD shows volatility options pressure with a 52/100 conviction score, put-call volume ratio of 0.00, expected move of 122.5%, and Sharemaestro trend signal inactive.
Conviction52/100
Expected move122.5%
Put/call volume0.00
Insider activity-
No recent insider transactions are stored for this company.
News sentiment62/100
Weighted news tone is positive across 18 relevant articles.
9 positive · 9 neutral · 0 negativePatient CapitalQuiet
Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.
No recent buy signal
06 · Catalysts and risk
What can move the shares—and how volatile the path has been
Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.
Next earnings18dNext report is scheduled for 20 Aug 2026; event risk rises as the date approaches.
Options expected move122.5%Nearest-chain priced movement where available.
52-week drawdown-83.7%Distance below the 52-week high.
13-week volatility11.8%Standard deviation of weekly returns.
Weekly gains and losses
Latest 26 completed weeksEach bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.
6 Feb
6 Mar
3 Apr
1 May
29 May
26 Jun
31 Jul
Weeks higher6 of 2620 weeks finished lower.
Best week+29.7%Week of 3 Jul.
Worst week-44.2%Week of 20 Mar.
Latest week-5.9%Week of 31 Jul.
Shape of recent returns
Strong gains4
Modest gains2
Flat weeks0
Modest losses9
Sharp losses11
Recent vol11.8%13-week weekly-return volatility.
Base vol10.2%52-week weekly-return volatility.
Up/down split15/37Count of positive and negative weeks in the 52-week window.
Average skew7.4% / -6.4%Average positive week versus average negative week.
07 · Sector and peer context
Is this stock leading—or simply moving with its group?
Sector and industry breadth distinguish company-specific strength from a broad group move.
SectorUS Financial Services
4-week rank- / 100
Group average3.0%
Trend breadth64.0%
Trend64.0%active weekly trend signals
MD87.0%positive activity pressure
RS56.0%positive relative leadership
Four-week leaders
IndustryUS Credit Services
4-week rank48 / 53
Group average-6.1%
Trend breadth50.9%
Trend50.9%active weekly trend signals
MD71.7%positive activity pressure
RS28.3%positive relative leadership
Four-week leaders
08 · Evidence and weekly data
The underlying research record
Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.
Weekly tape16/100
Trend, activity pressure, participation, and risk combine to a 16/100 tape read.
Indicator analysis15/100Latest 12-week confirmation: trend 0/12, activity pressure 3/12, relative leadership 0/12.
Activity pressure 0.09; No reversal markers Next-Week ExpectancyNegative 41.07%Next-week expectancy is negative with a 41.07% historical one-week setup read.
Adds short-term historical context without overriding trend, activity, or relative leadership. Factors65/100O'Shaughnessy factor stack blends value, quality, momentum, and confidence.
Buyback Yield rank 50; Small Cap Core rank 46 Patient CapitalQuietActivity-pressure buy-signal evidence highlights potential institutional accumulation windows.
No recent buy signal Options35/100YRD shows volatility options pressure with a 52/100 conviction score, put-call volume ratio of 0.00, expected move of 122.5%, and Sharemaestro trend signal inactive.
Volatility · Volatility expansion watch · Expected move 122.5% Sentiment62/100Weighted news tone is positive across 18 relevant articles.
Yiren Digital Rural Program Reaches 75,000 Children Since Inception Insiders50/100No recent insider transaction evidence is stored.
Earnings18dNext report is scheduled for 20 Aug 2026; event risk rises as the date approaches.
| Week | Close | Return | Trend Line | Fair Value | Pressure | Leadership | Volume | Trend |
|---|---|---|---|---|---|---|---|---|
| 31 Jul 2026 | 1.11 USD | -5.9% | 2.32 USD | 4.17 USD | -0.04 | -72.00 | 188.1K | Off |
| 24 Jul 2026 | 1.18 USD | -5.6% | 2.41 USD | 4.18 USD | 0.22 | -70.70 | 302.0K | Off |
| 17 Jul 2026 | 1.25 USD | -0.8% | 2.51 USD | 4.18 USD | 0.27 | -69.98 | 448.3K | Off |
| 10 Jul 2026 | 1.26 USD | -12.5% | 2.61 USD | 4.19 USD | 0.03 | -70.98 | 4.4M | Off |
| 3 Jul 2026 | 1.44 USD | 29.7% | 2.71 USD | 4.20 USD | -0.28 | -67.23 | 57.3M | Off |
| 26 Jun 2026 | 1.11 USD | -3.5% | 2.82 USD | 4.20 USD | -0.64 | -74.81 | 366.7K | Off |
| 19 Jun 2026 | 1.15 USD | -2.5% | 2.93 USD | 4.20 USD | -0.76 | -75.13 | 256.3K | Off |
| 12 Jun 2026 | 1.18 USD | -3.3% | 3.04 USD | 4.21 USD | -0.63 | -74.88 | 386.0K | Off |
| 5 Jun 2026 | 1.22 USD | -10.3% | 3.18 USD | 4.22 USD | -0.50 | -74.56 | 1.1M | Off |
| 29 May 2026 | 1.36 USD | -15.0% | 3.31 USD | 4.23 USD | -0.54 | -73.12 | 1.1M | Off |
| 22 May 2026 | 1.60 USD | -22.7% | 3.45 USD | 4.23 USD | -0.61 | -68.69 | 1.0M | Off |
| 15 May 2026 | 2.07 USD | 3.5% | 3.60 USD | 4.23 USD | -0.78 | -60.08 | 324.0K | Off |
| 8 May 2026 | 2.00 USD | -1.5% | 3.72 USD | 4.23 USD | -0.84 | -62.11 | 296.3K | Off |
| 1 May 2026 | 2.03 USD | -1.9% | 3.85 USD | 4.23 USD | -0.88 | -61.48 | 288.2K | Off |
How to use this report
This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.