YRD
Yiren Digital Ltd.
Financial - Credit Services
Market Cap$350M
5Y Perf.-46.9%
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Stock Comparison
YRD vs BABA
Revenue, margins, valuation, and 5-year total return — side by side.
BABA
Alibaba Group Holding Limited
Specialty Retail
Market Cap$340.44B
5Y Perf.-32.0%
YRD vs BABA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | YRD | BABA |
|---|---|---|
| Industry | Financial - Credit Services | Specialty Retail |
| Market Cap | $350M | $340.44B |
| Revenue (TTM) | $5.81B | $1.01T |
| Net Income (TTM) | $1.25B | $123.35B |
| Gross Margin | 84.8% | 41.2% |
| Operating Margin | 28.4% | 10.9% |
| Forward P/E | 0.2x | 4.1x |
| Total Debt | $41M | $248.49B |
| Cash & Equiv. | $3.84B | $181.73B |
YRD vs BABA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
YRD
BABA
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Yiren Digital Ltd. (YRD) | 100 | 53.1 | -46.9% |
| Alibaba Group Holdi… (BABA) | 100 | 68.0 | -32.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: YRD vs BABA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: YRD leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Alibaba Group Holding Limited is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
YRD
Yiren Digital Ltd.
The Banking Pick
YRD carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth 18.6%, EPS growth -22.2%
- Lower volatility, beta 1.25, Low D/E 0.4%, current ratio 5.61x
- Beta 1.25, yield 10.1%, current ratio 5.61x
Best for: growth exposure and sleep-well-at-night
BABA
Alibaba Group Holding Limited
The Income Pick
BABA is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 2 yrs, beta 1.21, yield 1.3%
- 83.4% 10Y total return vs YRD's -58.6%
- Beta 1.21 vs YRD's 1.25
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | YRD | 18.6% NII/revenue growth vs BABA's 5.9% |
| Value | YRD | Lower P/E (0.2x vs 4.1x) |
| Quality / Margins | YRD | 27.3% margin vs BABA's 12.2% |
| Stability / Safety | BABA | Beta 1.21 vs YRD's 1.25 |
| Dividends | YRD | 10.1% yield, 1-year raise streak, vs BABA's 1.3% |
| Momentum (1Y) | BABA | +16.0% vs YRD's -64.1% |
| Efficiency (ROA) | YRD | 8.9% ROA vs BABA's 6.7%, ROIC 14.0% vs 9.6% |
YRD vs BABA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
YRD vs BABA — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLYRDLAGGINGBABA
BABAAlibaba Group Holding…
2leads
YRDYiren Digital Ltd.
3leads
6 Total Categories
CATEGORYLEADERvs BABAMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
YRD5/5
Valuation MetricsMultiples, price ratios, and targets
YRD6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
YRD7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
BABA5/6
Risk & VolatilityBeta, volatility, and downside exposure
BABA2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
YRD leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BABA is the larger business by revenue, generating $1.01T annually — 174.3x YRD's $5.8B. YRD is the more profitable business, keeping 27.3% of every revenue dollar as net income compared to BABA's 12.2%.
| Metric | YRDYiren Digital Ltd. | BABAAlibaba Group Hol… |
|---|---|---|
| RevenueTrailing 12 months | $5.8B | $1.01T |
| EBITDAEarnings before interest/tax | $1.6B | $114.6B |
| Net IncomeAfter-tax profit | $1.3B | $123.4B |
| Free Cash FlowCash after capex | $884M | $2.6B |
| Gross MarginGross profit ÷ Revenue | +84.8% | +41.2% |
| Operating MarginEBIT ÷ Revenue | +28.4% | +10.9% |
| Net MarginNet income ÷ Revenue | +27.3% | +12.2% |
| FCF MarginFCF ÷ Revenue | +24.4% | +0.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +4.8% |
| EPS Growth (YoY)Latest quarter vs prior year | -9.9% | -52.0% |
YRD leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
YRD leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 0.8x trailing earnings, YRD trades at a 96% valuation discount to BABA's 17.9x P/E.
| Metric | YRDYiren Digital Ltd. | BABAAlibaba Group Hol… |
|---|---|---|
| Market CapShares × price | $350M | $340.4B |
| Enterprise ValueMkt cap + debt − cash | -$208M | $350.3B |
| Trailing P/EPrice ÷ TTM EPS | 0.76x | 17.90x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.20x | 4.13x |
| PEG RatioP/E ÷ EPS growth rate | 0.10x | — |
| EV / EBITDAEnterprise value multiple | -0.85x | 13.55x |
| Price / SalesMarket cap ÷ Revenue | 0.41x | 2.33x |
| Price / BookPrice ÷ Book value/share | 0.13x | 2.12x |
| Price / FCFMarket cap ÷ FCF | 1.69x | 29.64x |
YRD leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
YRD leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
YRD delivers a 12.7% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $11 for BABA. YRD carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to BABA's 0.23x. On the Piotroski fundamental quality scale (0–9), BABA scores 7/9 vs YRD's 4/9, reflecting strong financial health.
| Metric | YRDYiren Digital Ltd. | BABAAlibaba Group Hol… |
|---|---|---|
| ROE (TTM)Return on equity | +12.7% | +11.2% |
| ROA (TTM)Return on assets | +8.9% | +6.7% |
| ROICReturn on invested capital | +14.0% | +9.6% |
| ROCEReturn on capital employed | +16.7% | +10.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.00x | 0.23x |
| Net DebtTotal debt minus cash | -$3.8B | $66.8B |
| Cash & Equiv.Liquid assets | $3.8B | $181.7B |
| Total DebtShort + long-term debt | $41M | $248.5B |
| Interest CoverageEBIT ÷ Interest expense | — | 15.74x |
YRD leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
BABA leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in YRD five years ago would be worth $7,275 today (with dividends reinvested), compared to $6,463 for BABA. Over the past 12 months, BABA leads with a +16.0% total return vs YRD's -64.1%. The 3-year compound annual growth rate (CAGR) favors BABA at 20.5% vs YRD's 0.3% — a key indicator of consistent wealth creation.
| Metric | YRDYiren Digital Ltd. | BABAAlibaba Group Hol… |
|---|---|---|
| YTD ReturnYear-to-date | -47.0% | -9.5% |
| 1-Year ReturnPast 12 months | -64.1% | +16.0% |
| 3-Year ReturnCumulative with dividends | +0.8% | +74.8% |
| 5-Year ReturnCumulative with dividends | -27.2% | -35.4% |
| 10-Year ReturnCumulative with dividends | -58.6% | +83.4% |
| CAGR (3Y)Annualised 3-year return | +0.3% | +20.5% |
BABA leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
BABA leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
BABA is the less volatile stock with a 1.21 beta — it tends to amplify market swings less than YRD's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BABA currently trades 73.2% from its 52-week high vs YRD's 26.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | YRDYiren Digital Ltd. | BABAAlibaba Group Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.25x | 1.21x |
| 52-Week HighHighest price in past year | $7.68 | $192.67 |
| 52-Week LowLowest price in past year | $1.58 | $103.71 |
| % of 52W HighCurrent price vs 52-week peak | +26.4% | +73.2% |
| RSI (14)Momentum oscillator 0–100 | 49.5 | 61.8 |
| Avg Volume (50D)Average daily shares traded | 101K | 10.4M |
BABA leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — YRD and BABA each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates YRD as "Sell" and BABA as "Buy". For income investors, YRD offers the higher dividend yield at 10.14% vs BABA's 1.27%.
| Metric | YRDYiren Digital Ltd. | BABAAlibaba Group Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Sell | Buy |
| Price TargetConsensus 12-month target | — | $194.23 |
| # AnalystsCovering analysts | 8 | 59 |
| Dividend YieldAnnual dividend ÷ price | +10.1% | +1.3% |
| Dividend StreakConsecutive years of raises | 1 | 2 |
| Dividend / ShareAnnual DPS | $1.40 | $12.14 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.2% | +3.8% |
Evenly matched — YRD and BABA each lead in 1 of 2 comparable metrics.
Key Takeaway
YRD leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). BABA leads in 2 (Total Returns, Risk & Volatility). 1 tied.
Best OverallYiren Digital Ltd. (YRD)Leads 3 of 6 categories
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YRD vs BABA: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is YRD or BABA a better buy right now?
For growth investors, Yiren Digital Ltd.
(YRD) is the stronger pick with 18. 6% revenue growth year-over-year, versus 5. 9% for Alibaba Group Holding Limited (BABA). Yiren Digital Ltd. (YRD) offers the better valuation at 0. 8x trailing P/E (0. 2x forward), making it the more compelling value choice. Analysts rate Alibaba Group Holding Limited (BABA) a "Buy" — based on 59 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 — YRD or BABA?
On trailing P/E, Yiren Digital Ltd.
(YRD) is the cheapest at 0. 8x versus Alibaba Group Holding Limited at 17. 9x. On forward P/E, Yiren Digital Ltd. is actually cheaper at 0. 2x.
03Which is the better long-term investment — YRD or BABA?
Over the past 5 years, Yiren Digital Ltd.
(YRD) delivered a total return of -27. 2%, compared to -35. 4% for Alibaba Group Holding Limited (BABA). Over 10 years, the gap is even starker: BABA returned +83. 4% versus YRD's -58. 6%. 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 — YRD or BABA?
By beta (market sensitivity over 5 years), Alibaba Group Holding Limited (BABA) is the lower-risk stock at 1.
21β versus Yiren Digital Ltd. 's 1. 25β — meaning YRD is approximately 3% more volatile than BABA relative to the S&P 500. On balance sheet safety, Yiren Digital Ltd. (YRD) carries a lower debt/equity ratio of 0% versus 23% for Alibaba Group Holding Limited — giving it more financial flexibility in a downturn.
05Which is growing faster — YRD or BABA?
By revenue growth (latest reported year), Yiren Digital Ltd.
(YRD) is pulling ahead at 18. 6% versus 5. 9% for Alibaba Group Holding Limited (BABA). On earnings-per-share growth, the picture is similar: Alibaba Group Holding Limited grew EPS 70. 9% year-over-year, compared to -22. 2% for Yiren Digital Ltd.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — YRD or BABA?
Yiren Digital Ltd.
(YRD) is the more profitable company, earning 27. 3% net margin versus 13. 1% for Alibaba Group Holding 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 14. 1% for BABA. 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.
07Is YRD or BABA more undervalued right now?
On forward earnings alone, Yiren Digital Ltd.
(YRD) trades at 0. 2x forward P/E versus 4. 1x for Alibaba Group Holding Limited — 3. 9x cheaper on a one-year earnings basis.
08Which pays a better dividend — YRD or BABA?
All stocks in this comparison pay dividends.
Yiren Digital Ltd. (YRD) offers the highest yield at 10. 1%, versus 1. 3% for Alibaba Group Holding Limited (BABA).
09Is YRD or BABA better for a retirement portfolio?
For long-horizon retirement investors, Alibaba Group Holding Limited (BABA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
21), 1. 3% yield). Both have compounded well over 10 years (BABA: +83. 4%, YRD: -58. 6%), 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.
10What are the main differences between YRD and BABA?
These companies operate in different sectors (YRD (Financial Services) and BABA (Consumer Cyclical)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: YRD is a small-cap high-growth stock; BABA is a large-cap deep-value stock. 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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Revenue Growth>
%
(YRD: 18.6% · BABA: 4.8%)Net Margin>
%
(YRD: 27.3% · BABA: 12.2%)P/E Ratio<
x
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