Comprehensive Stock Comparison
Compare Sentage Holdings Inc. (SNTG) 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 SNTG's -26.6% |
| Quality / Margins | YRD | 27.3% net margin vs SNTG's -18.6% |
| Stability / Safety | YRD | Beta 0.95 vs SNTG's 1.31, lower leverage |
| Dividends | YRD | 10.5% yield; 1-year raise streak; SNTG pays no meaningful dividend |
| Momentum (1Y) | SNTG | +0.5% vs YRD's -36.9% |
| Efficiency (ROA) | YRD | 8.1% ROA vs SNTG's -32.5%, ROIC 14.0% vs -11.3% |
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
Sentage Holdings is a Chinese financial services company that provides consumer loan repayment and collection management, loan recommendation, and prepaid payment network services. It generates revenue primarily through service fees from its loan management and payment processing operations — with its loan recommendation and collection services likely being the core revenue drivers. The company's competitive advantage lies in its integrated platform that connects borrowers, lenders, and payment networks within China's specialized 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 5 of 6 categories — strongest in Financial Metrics and Valuation Metrics.
Financial Metrics (TTM)
YRD is the larger business by revenue, generating $5.8B annually — 54004.9x SNTG's $107,507. YRD is the more profitable business, keeping 27.3% of every revenue dollar as net income compared to SNTG's -18.6%.
| Metric | SNTGSentage Holdings … | YRDYiren Digital Ltd. |
|---|---|---|
| RevenueTrailing 12 months | $107,507 | $5.8B |
| EBITDAEarnings before interest/tax | -$3M | $1.6B |
| Net IncomeAfter-tax profit | -$4M | $1.3B |
| Free Cash FlowCash after capex | -$3M | $884M |
| Gross MarginGross profit ÷ Revenue | +92.5% | +84.8% |
| Operating MarginEBIT ÷ Revenue | -16.2% | +28.4% |
| Net MarginNet income ÷ Revenue | -18.6% | +27.3% |
| FCF MarginFCF ÷ Revenue | -16.3% | +24.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +27.7% | -10.1% |
Valuation Metrics
| Metric | SNTGSentage Holdings … | YRDYiren Digital Ltd. |
|---|---|---|
| Market CapShares × price | $5M | $673M |
| Enterprise ValueMkt cap + debt − cash | $4M | $119M |
| Trailing P/EPrice ÷ TTM EPS | -2.69x | 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 | 49.84x | 0.80x |
| Price / BookPrice ÷ Book value/share | 0.52x | 0.12x |
| Price / FCFMarket cap ÷ FCF | — | 3.26x |
Profitability & Efficiency
YRD delivers a 12.1% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $-38 for SNTG. YRD carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to SNTG's 0.01x. On the Piotroski fundamental quality scale (0–9), YRD scores 4/9 vs SNTG's 3/9, reflecting mixed financial health.
| Metric | SNTGSentage Holdings … | YRDYiren Digital Ltd. |
|---|---|---|
| ROE (TTM)Return on equity | -38.5% | +12.1% |
| ROA (TTM)Return on assets | -32.5% | +8.1% |
| ROICReturn on invested capital | -11.3% | +14.0% |
| ROCEReturn on capital employed | -14.5% | +16.7% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 4 |
| Debt / EquityFinancial leverage | 0.01x | 0.00x |
| Net DebtTotal debt minus cash | -$1M | -$3.8B |
| Cash & Equiv.Liquid assets | $1M | $3.8B |
| Total DebtShort + long-term debt | $146,599 | $41M |
| Interest CoverageEBIT ÷ Interest expense | — | — |
Total Returns (with DRIP)
A $10,000 investment in YRD five years ago would be worth $8,602 today (with dividends reinvested), compared to $3,820 for SNTG. Over the past 12 months, SNTG leads with a +0.5% total return vs YRD's -36.9%. The 3-year compound annual growth rate (CAGR) favors YRD at 18.9% vs SNTG's -2.3% — a key indicator of consistent wealth creation.
| Metric | SNTGSentage Holdings … | YRDYiren Digital Ltd. |
|---|---|---|
| YTD ReturnYear-to-date | -4.0% | +1.8% |
| 1-Year ReturnPast 12 months | +0.5% | -36.9% |
| 3-Year ReturnCumulative with dividends | -6.8% | +68.2% |
| 5-Year ReturnCumulative with dividends | -61.8% | -14.0% |
| 10-Year ReturnCumulative with dividends | -61.8% | +5.0% |
| CAGR (3Y)Annualised 3-year return | -2.3% | +18.9% |
Risk & Volatility
YRD is the less volatile stock with a 0.95 beta — it tends to amplify market swings less than SNTG's 1.31 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. YRD currently trades 44.6% from its 52-week high vs SNTG's 15.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SNTGSentage Holdings … | YRDYiren Digital Ltd. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.31x | 0.95x |
| 52-Week HighHighest price in past year | $12.70 | $8.74 |
| 52-Week LowLowest price in past year | $1.43 | $3.58 |
| % of 52W HighCurrent price vs 52-week peak | +15.0% | +44.6% |
| RSI (14)Momentum oscillator 0–100 | 45.1 | 53.6 |
| Avg Volume (50D)Average daily shares traded | 16K | 59K |
Analyst Outlook
YRD is the only dividend payer here at 10.47% yield — a key consideration for income-focused portfolios.
| Metric | SNTGSentage Holdings … | 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 | Jul 21 | Feb 26 | Change |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | 100 | 44.2 | -55.8% |
| Yiren Digital Ltd. (YRD) | 100 | 96.08 | -3.9% |
Yiren Digital Ltd. (YRD) returned -14% over 5 years vs Sentage Holdings In… (SNTG)'s -62%.
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | $6M | $107507.00 | -98.3% |
| 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 |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | 18.1% | -18.6% | -203.2% |
| 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 |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | 0.41 | -0.71 | -273.2% |
| 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
Sentage Holdings Inc. generated $-2M FCF in 2024 (-334% vs 2021). Yiren Digital Ltd. generated $1B FCF in 2024 (+851% vs 2021).
SNTG vs YRD: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is SNTG 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 — SNTG or YRD?
Over the past 5 years, Yiren Digital Ltd. (YRD) delivered a total return of -14.0%, compared to -61.8% for Sentage Holdings Inc. (SNTG). 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 SNTG's -61.8%. 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 — SNTG or YRD?
By beta (market sensitivity over 5 years), Yiren Digital Ltd. (YRD) is the lower-risk stock at 0.95β versus Sentage Holdings Inc.'s 1.31β — meaning SNTG is approximately 38% more volatile than YRD relative to the S&P 500. On balance sheet safety, Yiren Digital Ltd. (YRD) carries a lower debt/equity ratio of 0% versus 1% for Sentage Holdings Inc. — giving it more financial flexibility in a downturn.
04Which has better profit margins — SNTG or YRD?
Yiren Digital Ltd. (YRD) is the more profitable company, earning 27.3% net margin versus -1864.8% for Sentage Holdings Inc. — 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 -1615.2% for SNTG. At the gross margin level — before operating expenses — SNTG leads at 92.5%, 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 — SNTG or YRD?
In this comparison, YRD (10.5% yield) pays a dividend. SNTG does not pay a meaningful dividend and should not be held primarily for income.
06Is SNTG 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%, SNTG: -61.8%), 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 SNTG 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: SNTG is a small-cap quality compounder stock; YRD is a small-cap deep-value stock. YRD pays a dividend while SNTG 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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