Comprehensive Stock Comparison
Compare Pintec Technology Holdings Limited (PT) 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 | YRD | 18.6% revenue growth vs PT's -33.3% |
| Quality / Margins | YRD | 27.3% net margin vs PT's -44.0% |
| Stability / Safety | PT | Beta 0.53 vs YRD's 0.95 |
| Dividends | YRD | 10.5% yield; 1-year raise streak; PT pays no meaningful dividend |
| Momentum (1Y) | PT | -5.7% vs YRD's -36.9% |
| Efficiency (ROA) | YRD | 8.1% ROA vs PT's -12.4% |
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
Pintec Technology operates a digital platform connecting Chinese financial institutions with borrowers and investors. It generates revenue primarily through technology service fees from loan facilitation (roughly 70% of revenue) and wealth management product distribution fees (around 30%). The company's key advantage is its proprietary AI-driven risk assessment technology and extensive partner network within China's financial ecosystem.
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 2 of 6 categories (Financial Metrics, Profitability & Efficiency). PT leads in 1 (Risk & Volatility). 2 tied.
Financial Metrics (TTM)
YRD is the larger business by revenue, generating $5.8B annually — 165.2x PT's $35M. YRD is the more profitable business, keeping 27.3% of every revenue dollar as net income compared to PT's -44.0%.
| Metric | PTPintec Technology… | YRDYiren Digital Ltd. |
|---|---|---|
| RevenueTrailing 12 months | $35M | $5.8B |
| EBITDAEarnings before interest/tax | -$6M | $1.6B |
| Net IncomeAfter-tax profit | -$12M | $1.3B |
| Free Cash FlowCash after capex | $0 | $884M |
| Gross MarginGross profit ÷ Revenue | +63.5% | +84.8% |
| Operating MarginEBIT ÷ Revenue | -40.1% | +28.4% |
| Net MarginNet income ÷ Revenue | -44.0% | +27.3% |
| FCF MarginFCF ÷ Revenue | -42.6% | +24.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +37.0% | -10.1% |
Valuation Metrics
| Metric | PTPintec Technology… | YRDYiren Digital Ltd. |
|---|---|---|
| Market CapShares × price | $48M | $673M |
| Enterprise ValueMkt cap + debt − cash | $45M | $119M |
| Trailing P/EPrice ÷ TTM EPS | -0.19x | 0.74x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | 0.09x |
| EV / EBITDAEnterprise value multiple | — | 0.49x |
| Price / SalesMarket cap ÷ Revenue | 9.47x | 0.80x |
| Price / BookPrice ÷ Book value/share | — | 0.12x |
| Price / FCFMarket cap ÷ FCF | — | 3.26x |
Profitability & Efficiency
| Metric | PTPintec Technology… | YRDYiren Digital Ltd. |
|---|---|---|
| ROE (TTM)Return on equity | — | +12.1% |
| ROA (TTM)Return on assets | -12.4% | +8.1% |
| ROICReturn on invested capital | — | +14.0% |
| ROCEReturn on capital employed | — | +16.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | — | 0.00x |
| Net DebtTotal debt minus cash | -$22M | -$3.8B |
| Cash & Equiv.Liquid assets | $27M | $3.8B |
| Total DebtShort + long-term debt | $5M | $41M |
| Interest CoverageEBIT ÷ Interest expense | -613.85x | — |
Total Returns (with DRIP)
A $10,000 investment in YRD five years ago would be worth $8,602 today (with dividends reinvested), compared to $1,269 for PT. Over the past 12 months, PT leads with a -5.7% total return vs YRD's -36.9%. The 3-year compound annual growth rate (CAGR) favors PT at 22.3% vs YRD's 18.9% — a key indicator of consistent wealth creation.
| Metric | PTPintec Technology… | YRDYiren Digital Ltd. |
|---|---|---|
| YTD ReturnYear-to-date | +1.3% | +1.8% |
| 1-Year ReturnPast 12 months | -5.7% | -36.9% |
| 3-Year ReturnCumulative with dividends | +83.1% | +68.2% |
| 5-Year ReturnCumulative with dividends | -87.3% | -14.0% |
| 10-Year ReturnCumulative with dividends | -98.5% | +5.0% |
| CAGR (3Y)Annualised 3-year return | +22.3% | +18.9% |
Risk & Volatility
PT is the less volatile stock with a 0.53 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. PT currently trades 69.0% from its 52-week high vs YRD's 44.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PTPintec Technology… | YRDYiren Digital Ltd. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.53x | 0.95x |
| 52-Week HighHighest price in past year | $1.38 | $8.74 |
| 52-Week LowLowest price in past year | $0.82 | $3.58 |
| % of 52W HighCurrent price vs 52-week peak | +69.0% | +44.6% |
| RSI (14)Momentum oscillator 0–100 | 51.2 | 53.6 |
| Avg Volume (50D)Average daily shares traded | 62K | 59K |
Analyst Outlook
YRD is the only dividend payer here at 10.47% yield — a key consideration for income-focused portfolios.
| Metric | PTPintec Technology… | YRDYiren Digital Ltd. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Sell |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | 8 |
| Dividend YieldAnnual dividend ÷ price | — | +10.5% |
| Dividend StreakConsecutive years of raises | — | 1 |
| Dividend / ShareAnnual DPS | — | $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 | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Pintec Technology H… (PT) | 100 | 8.17 | -91.8% |
| Yiren Digital Ltd. (YRD) | 100 | 95.61 | -4.4% |
Yiren Digital Ltd. (YRD) returned -14% over 5 years vs Pintec Technology H… (PT)'s -87%.
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Pintec Technology H… (PT) | $55M | $35M | -36.0% |
| Yiren Digital Ltd. (YRD) | $1.3B | $5.8B | +340.4% |
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 |
|---|---|---|---|
| Pintec Technology H… (PT) | -3.7% | -44.0% | -1103.6% |
| Yiren Digital Ltd. (YRD) | 20.9% | 27.3% | +30.5% |
Yiren Digital Ltd.'s net margin went from 21% (2015) to 27% (2024).
Chart 4P/E Ratio History — 7 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Yiren Digital Ltd. (YRD) | 1 | 0.1 | -90.0% |
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 |
|---|---|---|---|
| Pintec Technology H… (PT) | -4,286.45 | -34.3 | +99.2% |
| Yiren Digital Ltd. (YRD) | 10.94 | 36.22 | +231.1% |
Yiren Digital Ltd.'s EPS grew from $10.94 (2015) to $36.22 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
Pintec Technology Holdings Limited generated $-15M FCF in 2024 (+54% vs 2021). Yiren Digital Ltd. generated $1B FCF in 2024 (+851% vs 2021).
PT vs YRD: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is PT 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 is the better long-term investment — PT or YRD?
Over the past 5 years, Yiren Digital Ltd. (YRD) delivered a total return of -14.0%, compared to -87.3% for Pintec Technology Holdings Limited (PT). A $10,000 investment in YRD 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 PT's -98.5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — PT or YRD?
By beta (market sensitivity over 5 years), Pintec Technology Holdings Limited (PT) is the lower-risk stock at 0.53β versus Yiren Digital Ltd.'s 0.95β — meaning YRD is approximately 79% more volatile than PT relative to the S&P 500.
04Which has better profit margins — PT or YRD?
Yiren Digital Ltd. (YRD) is the more profitable company, earning 27.3% net margin versus -44.0% for Pintec Technology Holdings Limited — 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 -40.1% for PT. 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.
05Which pays a better dividend — PT or YRD?
In this comparison, YRD (10.5% yield) pays a dividend. PT does not pay a meaningful dividend and should not be held primarily for income.
06Is PT or YRD better for a retirement portfolio?
For long-horizon retirement investors, Yiren Digital Ltd. (YRD) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.95), 10.5% yield). Both have compounded well over 10 years (YRD: +5.0%, PT: -98.5%), 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.
07What are the main differences between PT 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. In terms of investment character: PT is a small-cap quality compounder stock; YRD is a small-cap deep-value stock. YRD pays a dividend while PT does not, making them suitable for different income and tax situations. 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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