Comprehensive Stock Comparison
Compare The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 (CGABL) vs Yiren Digital Ltd. (YRD) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | CGABL | 83.1% revenue growth vs YRD's 18.6% |
| Value | YRD | Lower P/E (0.7x vs 6.4x) |
| Quality / Margins | YRD | 27.3% net margin vs CGABL's 18.8% |
| Stability / Safety | CGABL | Beta 0.20 vs YRD's 0.95 |
| Dividends | YRD | 10.5% yield, 1-year raise streak, vs CGABL's 7.8% |
| Momentum (1Y) | CGABL | +4.0% vs YRD's -36.9% |
| Efficiency (ROA) | YRD | 8.1% ROA vs CGABL's 2.9%, ROIC 14.0% vs 15.3% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 is a financing subsidiary that issues long-term debt securities to raise capital for The Carlyle Group's investment activities. It generates revenue through interest payments on these notes — which are subordinated to other debt — providing investors with fixed income while funding Carlyle's private equity, real estate, and credit investments. Its key advantage lies in being backed by The Carlyle Group's established global investment platform and creditworthiness, though the notes themselves represent a specific debt obligation rather than equity in the parent company.
Yiren Digital operates an online consumer finance marketplace in China that connects borrowers with investors. It generates revenue primarily through loan facilitation fees and post-origination services — including collection and cash processing — while also earning commissions from distributing financial products like insurance and mutual funds. The company's competitive advantage lies in its established digital platform and regulatory compliance within China's complex financial services landscape.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
YRD leads in 4 of 6 categories (Financial Metrics, Valuation Metrics). CGABL leads in 1 (Risk & Volatility). 1 tied.
Financial Metrics (TTM)
YRD and CGABL operate at a comparable scale, with $5.8B and $5.4B in trailing revenue. YRD is the more profitable business, keeping 27.3% of every revenue dollar as net income compared to CGABL's 18.8%.
| Metric | CGABLThe Carlyle Group… | YRDYiren Digital Ltd. |
|---|---|---|
| RevenueTrailing 12 months | $5.4B | $5.8B |
| EBITDAEarnings before interest/tax | $249M | $1.6B |
| Net IncomeAfter-tax profit | $773M | $1.3B |
| Free Cash FlowCash after capex | $1.1B | $884M |
| Gross MarginGross profit ÷ Revenue | +50.1% | +84.8% |
| Operating MarginEBIT ÷ Revenue | +25.2% | +28.4% |
| Net MarginNet income ÷ Revenue | +18.8% | +27.3% |
| FCF MarginFCF ÷ Revenue | +18.6% | +24.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -81.6% | -10.1% |
Valuation Metrics
At 0.7x trailing earnings, YRD trades at a 88% valuation discount to CGABL's 6.4x P/E. On an enterprise value basis, YRD's 0.5x EV/EBITDA is more attractive than CGABL's 3.3x.
| Metric | CGABLThe Carlyle Group… | YRDYiren Digital Ltd. |
|---|---|---|
| Market CapShares × price | $6.3B | $673M |
| Enterprise ValueMkt cap + debt − cash | $5.1B | $119M |
| Trailing P/EPrice ÷ TTM EPS | 6.35x | 0.74x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | 0.09x |
| EV / EBITDAEnterprise value multiple | 3.26x | 0.49x |
| Price / SalesMarket cap ÷ Revenue | 1.17x | 0.80x |
| Price / BookPrice ÷ Book value/share | 0.91x | 0.12x |
| Price / FCFMarket cap ÷ FCF | 6.26x | 3.26x |
Profitability & Efficiency
YRD delivers a 12.1% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $10 for CGABL. On the Piotroski fundamental quality scale (0–9), CGABL scores 6/9 vs YRD's 4/9, reflecting solid financial health.
| Metric | CGABLThe Carlyle Group… | YRDYiren Digital Ltd. |
|---|---|---|
| ROE (TTM)Return on equity | +9.6% | +12.1% |
| ROA (TTM)Return on assets | +2.9% | +8.1% |
| ROICReturn on invested capital | +15.3% | +14.0% |
| ROCEReturn on capital employed | +6.2% | +16.7% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 4 |
| Debt / EquityFinancial leverage | — | 0.00x |
| Net DebtTotal debt minus cash | -$1.3B | -$3.8B |
| Cash & Equiv.Liquid assets | $1.3B | $3.8B |
| Total DebtShort + long-term debt | $0 | $41M |
| Interest CoverageEBIT ÷ Interest expense | 2.60x | — |
Total Returns (with DRIP)
A $10,000 investment in CGABL five years ago would be worth $9,271 today (with dividends reinvested), compared to $8,602 for YRD. Over the past 12 months, CGABL leads with a +4.0% total return vs YRD's -36.9%. The 3-year compound annual growth rate (CAGR) favors YRD at 18.9% vs CGABL's 4.6% — a key indicator of consistent wealth creation.
| Metric | CGABLThe Carlyle Group… | YRDYiren Digital Ltd. |
|---|---|---|
| YTD ReturnYear-to-date | +2.9% | +1.8% |
| 1-Year ReturnPast 12 months | +4.0% | -36.9% |
| 3-Year ReturnCumulative with dividends | +14.4% | +68.2% |
| 5-Year ReturnCumulative with dividends | -7.3% | -14.0% |
| 10-Year ReturnCumulative with dividends | -7.3% | +5.0% |
| CAGR (3Y)Annualised 3-year return | +4.6% | +18.9% |
Risk & Volatility
CGABL is the less volatile stock with a 0.20 beta — it tends to amplify market swings less than YRD's 0.95 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CGABL currently trades 93.6% from its 52-week high vs YRD's 44.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CGABLThe Carlyle Group… | YRDYiren Digital Ltd. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.20x | 0.95x |
| 52-Week HighHighest price in past year | $18.80 | $8.74 |
| 52-Week LowLowest price in past year | $16.43 | $3.58 |
| % of 52W HighCurrent price vs 52-week peak | +93.6% | +44.6% |
| RSI (14)Momentum oscillator 0–100 | 49.8 | 53.6 |
| Avg Volume (50D)Average daily shares traded | 34K | 59K |
Analyst Outlook
For income investors, YRD offers the higher dividend yield at 10.47% vs CGABL's 7.77%.
| Metric | CGABLThe Carlyle Group… | YRDYiren Digital Ltd. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Sell |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | 8 |
| Dividend YieldAnnual dividend ÷ price | +7.8% | +10.5% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $1.37 | $2.80 |
| Buyback YieldShare repurchases ÷ mkt cap | +8.8% | +1.6% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | May 21 | Feb 26 | Change |
|---|---|---|---|
| The Carlyle Group I… (CGABL) | 100 | 69.85 | -30.1% |
| Yiren Digital Ltd. (YRD) | 100 | 100 | +0.0% |
The Carlyle Group I… (CGABL) returned -7% over 5 years vs Yiren Digital Ltd. (YRD)'s -14%.
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| The Carlyle Group I… (CGABL) | $3.0B | $5.4B | +80.5% |
| Yiren Digital Ltd. (YRD) | $1.3B | $5.8B | +340.4% |
The Carlyle Group Inc. 4.625% Subordinated Notes due 2061's revenue grew from $3.0B (2015) to $5.4B (2024) — a 6.8% CAGR. Yiren Digital Ltd.'s revenue grew from $1.3B (2015) to $5.8B (2024) — a 17.9% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| The Carlyle Group I… (CGABL) | 13.3% | 18.8% | +41.3% |
| Yiren Digital Ltd. (YRD) | 20.9% | 27.3% | +30.5% |
The Carlyle Group Inc. 4.625% Subordinated Notes due 2061's net margin went from 13% (2015) to 19% (2024). Yiren Digital Ltd.'s net margin went from 21% (2015) to 27% (2024).
Chart 4P/E Ratio History — 7 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| The Carlyle Group I… (CGABL) | 3 | 6.4 | +113.3% |
| Yiren Digital Ltd. (YRD) | 1 | 0.1 | -90.0% |
The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 has traded in a 3x–6x P/E range over 3 years; current trailing P/E is ~6x. Yiren Digital Ltd. has traded in a 0x–1x P/E range over 7 years; current trailing P/E is ~1x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| The Carlyle Group I… (CGABL) | 1.34 | 2.77 | +106.7% |
| Yiren Digital Ltd. (YRD) | 10.94 | 36.22 | +231.1% |
The Carlyle Group Inc. 4.625% Subordinated Notes due 2061's EPS grew from $1.34 (2015) to $2.77 (2024) — a 8% CAGR. Yiren Digital Ltd.'s EPS grew from $10.94 (2015) to $36.22 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 generated $1B FCF in 2024 (-42% vs 2021). Yiren Digital Ltd. generated $1B FCF in 2024 (+851% vs 2021).
CGABL vs YRD: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is CGABL or YRD a better buy right now?
Yiren Digital Ltd. (YRD) offers the better valuation at 0.7x trailing P/E, making it the more compelling value choice. Analysts rate Yiren Digital Ltd. (YRD) a "Sell" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CGABL or YRD?
On trailing P/E, Yiren Digital Ltd. (YRD) is the cheapest at 0.7x versus The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 at 6.4x.
03Which is the better long-term investment — CGABL or YRD?
Over the past 5 years, The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 (CGABL) delivered a total return of -7.3%, compared to -14.0% for Yiren Digital Ltd. (YRD). A $10,000 investment in CGABL five years ago would be worth approximately $9K today (assuming dividends reinvested). Over 10 years, the gap is even starker: YRD returned +5.0% versus CGABL's -7.3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CGABL or YRD?
By beta (market sensitivity over 5 years), The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 (CGABL) is the lower-risk stock at 0.20β versus Yiren Digital Ltd.'s 0.95β — meaning YRD is approximately 366% more volatile than CGABL relative to the S&P 500.
05Which has better profit margins — CGABL or YRD?
Yiren Digital Ltd. (YRD) is the more profitable company, earning 27.3% net margin versus 18.8% for The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 — meaning it keeps 27.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: YRD leads at 28.4% versus 25.2% for CGABL. At the gross margin level — before operating expenses — YRD leads at 84.8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — CGABL or YRD?
All stocks in this comparison pay dividends. Yiren Digital Ltd. (YRD) offers the highest yield at 10.5%, versus 7.8% for The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 (CGABL).
07Is CGABL or YRD better for a retirement portfolio?
For long-horizon retirement investors, The Carlyle Group Inc. 4.625% Subordinated Notes due 2061 (CGABL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.20), 7.8% yield). Both have compounded well over 10 years (CGABL: -7.3%, YRD: +5.0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between CGABL and YRD?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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