Comprehensive Stock Comparison
Compare KKR Group Finance Co. IX LLC 4. (KKRS) 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 | KKRS | 50.9% revenue growth vs YRD's 18.6% |
| Value | YRD | Lower P/E (0.7x vs 3.3x) |
| Quality / Margins | YRD | 27.3% net margin vs KKRS's 22.4% |
| Stability / Safety | KKRS | Beta 0.25 vs YRD's 0.95 |
| Dividends | YRD | 10.5% yield, 1-year raise streak, vs KKRS's 3.7% |
| Momentum (1Y) | KKRS | -2.9% vs YRD's -36.9% |
| Efficiency (ROA) | YRD | 8.1% ROA vs KKRS's 1.5%, ROIC 14.0% vs 28.7% |
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
KKR Group Finance Co. IX LLC is a special purpose financing entity that exists to raise capital for KKR's investment activities. It generates revenue primarily through interest income from loans and debt securities issued to fund KKR's private equity and credit investments. Its key advantage is its structural role within the KKR ecosystem—providing efficient, dedicated financing capacity for one of the world's largest alternative asset managers.
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 (Valuation Metrics, Profitability & Efficiency). KKRS leads in 1 (Risk & Volatility). 1 tied.
Financial Metrics (TTM)
KKRS is the larger business by revenue, generating $21.9B annually — 3.8x YRD's $5.8B. Profitability is closely matched — net margins range from 27.3% (YRD) to 22.4% (KKRS).
| Metric | KKRSKKR Group Finance… | YRDYiren Digital Ltd. |
|---|---|---|
| RevenueTrailing 12 months | $21.9B | $5.8B |
| EBITDAEarnings before interest/tax | $18.8B | $1.6B |
| Net IncomeAfter-tax profit | $6.0B | $1.3B |
| Free Cash FlowCash after capex | $4.2B | $884M |
| Gross MarginGross profit ÷ Revenue | +80.2% | +84.8% |
| Operating MarginEBIT ÷ Revenue | +74.2% | +28.4% |
| Net MarginNet income ÷ Revenue | +22.4% | +27.3% |
| FCF MarginFCF ÷ Revenue | +29.7% | +24.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | -10.1% |
Valuation Metrics
At 0.7x trailing earnings, YRD trades at a 78% valuation discount to KKRS's 3.3x P/E. On an enterprise value basis, YRD's 0.5x EV/EBITDA is more attractive than KKRS's 1.0x.
| Metric | KKRSKKR Group Finance… | YRDYiren Digital Ltd. |
|---|---|---|
| Market CapShares × price | $15.7B | $673M |
| Enterprise ValueMkt cap + debt − cash | $15.7B | $119M |
| Trailing P/EPrice ÷ TTM EPS | 3.34x | 0.74x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | 0.09x |
| EV / EBITDAEnterprise value multiple | 0.96x | 0.49x |
| Price / SalesMarket cap ÷ Revenue | 0.72x | 0.80x |
| Price / BookPrice ÷ Book value/share | 1030.16x | 0.12x |
| Price / FCFMarket cap ÷ FCF | 2.41x | 3.26x |
Profitability & Efficiency
YRD delivers a 12.1% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $8 for KKRS. On the Piotroski fundamental quality scale (0–9), KKRS scores 6/9 vs YRD's 4/9, reflecting solid financial health.
| Metric | KKRSKKR Group Finance… | YRDYiren Digital Ltd. |
|---|---|---|
| ROE (TTM)Return on equity | +8.0% | +12.1% |
| ROA (TTM)Return on assets | +1.5% | +8.1% |
| ROICReturn on invested capital | +28.7% | +14.0% |
| ROCEReturn on capital employed | +10.2% | +16.7% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 4 |
| Debt / EquityFinancial leverage | — | 0.00x |
| Net DebtTotal debt minus cash | -$9M | -$3.8B |
| Cash & Equiv.Liquid assets | $9M | $3.8B |
| Total DebtShort + long-term debt | $0 | $41M |
| Interest CoverageEBIT ÷ Interest expense | 59.74x | — |
Total Returns (with DRIP)
A $10,000 investment in KKRS five years ago would be worth $8,930 today (with dividends reinvested), compared to $8,602 for YRD. Over the past 12 months, KKRS leads with a -2.9% total return vs YRD's -36.9%. The 3-year compound annual growth rate (CAGR) favors YRD at 18.9% vs KKRS's 3.9% — a key indicator of consistent wealth creation.
| Metric | KKRSKKR Group Finance… | YRDYiren Digital Ltd. |
|---|---|---|
| YTD ReturnYear-to-date | -0.7% | +1.8% |
| 1-Year ReturnPast 12 months | -2.9% | -36.9% |
| 3-Year ReturnCumulative with dividends | +12.0% | +68.2% |
| 5-Year ReturnCumulative with dividends | -10.7% | -14.0% |
| 10-Year ReturnCumulative with dividends | -10.7% | +5.0% |
| CAGR (3Y)Annualised 3-year return | +3.9% | +18.9% |
Risk & Volatility
KKRS is the less volatile stock with a 0.25 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. KKRS currently trades 90.5% from its 52-week high vs YRD's 44.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | KKRSKKR Group Finance… | YRDYiren Digital Ltd. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.25x | 0.95x |
| 52-Week HighHighest price in past year | $19.44 | $8.74 |
| 52-Week LowLowest price in past year | $16.40 | $3.58 |
| % of 52W HighCurrent price vs 52-week peak | +90.5% | +44.6% |
| RSI (14)Momentum oscillator 0–100 | 49.1 | 53.6 |
| Avg Volume (50D)Average daily shares traded | 40K | 59K |
Analyst Outlook
For income investors, YRD offers the higher dividend yield at 10.47% vs KKRS's 3.73%.
| Metric | KKRSKKR Group Finance… | YRDYiren Digital Ltd. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Sell |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | 8 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +10.5% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $0.66 | $2.80 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.6% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Apr 21 | Feb 26 | Change |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | 100 | 67.78 | -32.2% |
| Yiren Digital Ltd. (YRD) | 100 | 102.08 | +2.1% |
KKR Group Finance C… (KKRS) returned -11% over 5 years vs Yiren Digital Ltd. (YRD)'s -14%.
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | $6.2B | $21.9B | +254.6% |
| Yiren Digital Ltd. (YRD) | $1.3B | $5.8B | +340.4% |
KKR Group Finance Co. IX LLC 4.'s revenue grew from $6.2B (2015) to $21.9B (2024) — a 15.1% 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 |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | 7.9% | 22.4% | +183.2% |
| Yiren Digital Ltd. (YRD) | 20.9% | 27.3% | +30.5% |
KKR Group Finance Co. IX LLC 4.'s net margin went from 8% (2015) to 22% (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 |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | 1.3 | 3.5 | +169.2% |
| Yiren Digital Ltd. (YRD) | 1 | 0.1 | -90.0% |
KKR Group Finance Co. IX LLC 4. has traded in a 1x–5x P/E range over 3 years; current trailing P/E is ~3x. 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 |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | 1.01 | 5.26 | +420.8% |
| Yiren Digital Ltd. (YRD) | 10.94 | 36.22 | +231.1% |
KKR Group Finance Co. IX LLC 4.'s EPS grew from $1.01 (2015) to $5.26 (2024) — a 20% CAGR. Yiren Digital Ltd.'s EPS grew from $10.94 (2015) to $36.22 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
KKR Group Finance Co. IX LLC 4. generated $7B FCF in 2024 (+189% vs 2021). Yiren Digital Ltd. generated $1B FCF in 2024 (+851% vs 2021).
KKRS vs YRD: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is KKRS 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 — KKRS or YRD?
On trailing P/E, Yiren Digital Ltd. (YRD) is the cheapest at 0.7x versus KKR Group Finance Co. IX LLC 4. at 3.3x.
03Which is the better long-term investment — KKRS or YRD?
Over the past 5 years, KKR Group Finance Co. IX LLC 4. (KKRS) delivered a total return of -10.7%, compared to -14.0% for Yiren Digital Ltd. (YRD). A $10,000 investment in KKRS 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 KKRS's -10.7%. 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 — KKRS or YRD?
By beta (market sensitivity over 5 years), KKR Group Finance Co. IX LLC 4. (KKRS) is the lower-risk stock at 0.25β versus Yiren Digital Ltd.'s 0.95β — meaning YRD is approximately 276% more volatile than KKRS relative to the S&P 500.
05Which has better profit margins — KKRS or YRD?
Yiren Digital Ltd. (YRD) is the more profitable company, earning 27.3% net margin versus 22.4% for KKR Group Finance Co. IX LLC 4. — meaning it keeps 27.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: KKRS leads at 74.2% versus 28.4% for YRD. 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 — KKRS or YRD?
All stocks in this comparison pay dividends. Yiren Digital Ltd. (YRD) offers the highest yield at 10.5%, versus 3.7% for KKR Group Finance Co. IX LLC 4. (KKRS).
07Is KKRS or YRD better for a retirement portfolio?
For long-horizon retirement investors, KKR Group Finance Co. IX LLC 4. (KKRS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.25), 3.7% yield). Both have compounded well over 10 years (KKRS: -10.7%, 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 KKRS 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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