YRD
Yiren Digital Ltd.
Financial - Credit Services
Market Cap$350M
5Y Perf.-46.9%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
YRD vs FINV
Revenue, margins, valuation, and 5-year total return — side by side.
FINV
FinVolution Group
Financial - Credit Services
Market Cap$2.90B
5Y Perf.+236.8%
YRD vs FINV — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | YRD | FINV |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $350M | $2.90B |
| Revenue (TTM) | $5.81B | $13.07B |
| Net Income (TTM) | $1.25B | $2.80B |
| Gross Margin | 84.8% | 79.3% |
| Operating Margin | 28.4% | 19.4% |
| Forward P/E | 0.2x | 0.6x |
| Total Debt | $41M | $34M |
| Cash & Equiv. | $3.84B | $4.67B |
YRD vs FINV — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
YRD
FINV
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Yiren Digital Ltd. (YRD) | 100 | 53.1 | -46.9% |
| FinVolution Group (FINV) | 100 | 336.8 | +236.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: YRD vs FINV
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. FinVolution Group is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
YRD
Yiren Digital Ltd.
The Banking Pick
YRD carries the broadest edge in this set and is the clearest fit for growth exposure and valuation efficiency.
- Rev growth 18.6%, EPS growth -22.2%
- PEG 0.03 vs FINV's 0.19
- Beta 1.25, yield 10.1%, current ratio 5.61x
Best for: growth exposure and valuation efficiency
FINV
FinVolution Group
The Banking Pick
FINV is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 4 yrs, beta 1.12, yield 4.8%
- -47.5% 10Y total return vs YRD's -58.6%
- Lower volatility, beta 1.12, Low D/E 0.2%, current ratio 4.31x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | YRD | 18.6% NII/revenue growth vs FINV's 3.7% |
| Value | YRD | Lower P/E (0.2x vs 0.6x), PEG 0.03 vs 0.19 |
| Quality / Margins | YRD | Efficiency ratio 0.6% vs FINV's 0.6% (lower = leaner) |
| Stability / Safety | FINV | Beta 1.12 vs YRD's 1.25, lower leverage |
| Dividends | YRD | 10.1% yield, 1-year raise streak, vs FINV's 4.8% |
| Momentum (1Y) | FINV | -35.3% vs YRD's -64.1% |
| Efficiency (ROA) | YRD | Efficiency ratio 0.6% vs FINV's 0.6% |
YRD vs FINV — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
YRD vs FINV — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFINVLAGGINGYRD
YRDYiren Digital Ltd.
2leads
FINVFinVolution Group
3leads
6 Total Categories
CATEGORYLEADERvs YRDMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
YRD4/5
Valuation MetricsMultiples, price ratios, and targets
YRD7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FINV6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
FINV6/6
Risk & VolatilityBeta, volatility, and downside exposure
FINV2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
YRD leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FINV is the larger business by revenue, generating $13.1B annually — 2.3x YRD's $5.8B. YRD is the more profitable business, keeping 27.3% of every revenue dollar as net income compared to FINV's 18.2%.
| Metric | YRDYiren Digital Ltd. | FINVFinVolution Group |
|---|---|---|
| RevenueTrailing 12 months | $5.8B | $13.1B |
| EBITDAEarnings before interest/tax | $1.6B | $3.3B |
| Net IncomeAfter-tax profit | $1.3B | $2.8B |
| Free Cash FlowCash after capex | $884M | $1.5B |
| Gross MarginGross profit ÷ Revenue | +84.8% | +79.3% |
| Operating MarginEBIT ÷ Revenue | +28.4% | +19.4% |
| Net MarginNet income ÷ Revenue | +27.3% | +18.2% |
| FCF MarginFCF ÷ Revenue | +24.4% | +21.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -9.9% | -2.1% |
YRD leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
YRD leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 0.8x trailing earnings, YRD trades at a 80% valuation discount to FINV's 3.9x P/E. Adjusting for growth (PEG ratio), YRD offers better value at 0.10x vs FINV's 1.13x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | YRDYiren Digital Ltd. | FINVFinVolution Group |
|---|---|---|
| Market CapShares × price | $350M | $2.9B |
| Enterprise ValueMkt cap + debt − cash | -$208M | $2.2B |
| Trailing P/EPrice ÷ TTM EPS | 0.76x | 3.85x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.20x | 0.65x |
| PEG RatioP/E ÷ EPS growth rate | 0.10x | 1.13x |
| EV / EBITDAEnterprise value multiple | -0.85x | 5.76x |
| Price / SalesMarket cap ÷ Revenue | 0.41x | 1.51x |
| Price / BookPrice ÷ Book value/share | 0.13x | 0.59x |
| Price / FCFMarket cap ÷ FCF | 1.69x | 6.89x |
YRD leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
FINV leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
FINV delivers a 17.4% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $13 for YRD. FINV carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to YRD's 0.00x. On the Piotroski fundamental quality scale (0–9), FINV scores 5/9 vs YRD's 4/9, reflecting solid financial health.
| Metric | YRDYiren Digital Ltd. | FINVFinVolution Group |
|---|---|---|
| ROE (TTM)Return on equity | +12.7% | +17.4% |
| ROA (TTM)Return on assets | +8.9% | +11.2% |
| ROICReturn on invested capital | +14.0% | +12.9% |
| ROCEReturn on capital employed | +16.7% | +13.8% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.00x | 0.00x |
| Net DebtTotal debt minus cash | -$3.8B | -$4.6B |
| Cash & Equiv.Liquid assets | $3.8B | $4.7B |
| Total DebtShort + long-term debt | $41M | $34M |
| Interest CoverageEBIT ÷ Interest expense | — | — |
FINV leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
FINV leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FINV five years ago would be worth $9,769 today (with dividends reinvested), compared to $7,275 for YRD. Over the past 12 months, FINV leads with a -35.3% total return vs YRD's -64.1%. The 3-year compound annual growth rate (CAGR) favors FINV at 13.2% vs YRD's 0.3% — a key indicator of consistent wealth creation.
| Metric | YRDYiren Digital Ltd. | FINVFinVolution Group |
|---|---|---|
| YTD ReturnYear-to-date | -47.0% | +3.6% |
| 1-Year ReturnPast 12 months | -64.1% | -35.3% |
| 3-Year ReturnCumulative with dividends | +0.8% | +45.1% |
| 5-Year ReturnCumulative with dividends | -27.2% | -2.3% |
| 10-Year ReturnCumulative with dividends | -58.6% | -47.5% |
| CAGR (3Y)Annualised 3-year return | +0.3% | +13.2% |
FINV leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
FINV leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
FINV is the less volatile stock with a 1.12 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. FINV currently trades 47.0% 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. | FINVFinVolution Group |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.25x | 1.12x |
| 52-Week HighHighest price in past year | $7.68 | $10.90 |
| 52-Week LowLowest price in past year | $1.58 | $4.50 |
| % of 52W HighCurrent price vs 52-week peak | +26.4% | +47.0% |
| RSI (14)Momentum oscillator 0–100 | 49.5 | 58.4 |
| Avg Volume (50D)Average daily shares traded | 101K | 1.3M |
FINV leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — YRD and FINV each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates YRD as "Sell" and FINV as "Buy". For income investors, YRD offers the higher dividend yield at 10.14% vs FINV's 4.80%.
| Metric | YRDYiren Digital Ltd. | FINVFinVolution Group |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Sell | Buy |
| Price TargetConsensus 12-month target | — | $5.94 |
| # AnalystsCovering analysts | 8 | 4 |
| Dividend YieldAnnual dividend ÷ price | +10.1% | +4.8% |
| Dividend StreakConsecutive years of raises | 1 | 4 |
| Dividend / ShareAnnual DPS | $1.40 | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.2% | +3.3% |
Evenly matched — YRD and FINV each lead in 1 of 2 comparable metrics.
Key Takeaway
FINV leads in 3 of 6 categories (Profitability & Efficiency, Total Returns). YRD leads in 2 (Income & Cash Flow, Valuation Metrics). 1 tied.
Best OverallFinVolution Group (FINV)Leads 3 of 6 categories
Loading custom metrics...
YRD vs FINV: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is YRD or FINV 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 3. 7% for FinVolution Group (FINV). 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 FinVolution Group (FINV) a "Buy" — based on 4 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 FINV?
On trailing P/E, Yiren Digital Ltd.
(YRD) is the cheapest at 0. 8x versus FinVolution Group at 3. 9x. On forward P/E, Yiren Digital Ltd. is actually cheaper at 0. 2x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Yiren Digital Ltd. wins at 0. 03x versus FinVolution Group's 0. 19x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — YRD or FINV?
Over the past 5 years, FinVolution Group (FINV) delivered a total return of -2.
3%, compared to -27. 2% for Yiren Digital Ltd. (YRD). Over 10 years, the gap is even starker: FINV returned -47. 5% 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 FINV?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 1.
12β versus Yiren Digital Ltd. 's 1. 25β — meaning YRD is approximately 12% more volatile than FINV relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 0% for Yiren Digital Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — YRD or FINV?
By revenue growth (latest reported year), Yiren Digital Ltd.
(YRD) is pulling ahead at 18. 6% versus 3. 7% for FinVolution Group (FINV). On earnings-per-share growth, the picture is similar: FinVolution Group grew EPS 8. 4% 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 FINV?
Yiren Digital Ltd.
(YRD) is the more profitable company, earning 27. 3% net margin versus 18. 2% for FinVolution Group — 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 19. 4% for FINV. 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 FINV more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Yiren Digital Ltd. (YRD) is the more undervalued stock at a PEG of 0. 03x versus FinVolution Group's 0. 19x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Yiren Digital Ltd. (YRD) trades at 0. 2x forward P/E versus 0. 6x for FinVolution Group — 0. 4x cheaper on a one-year earnings basis.
08Which pays a better dividend — YRD or FINV?
All stocks in this comparison pay dividends.
Yiren Digital Ltd. (YRD) offers the highest yield at 10. 1%, versus 4. 8% for FinVolution Group (FINV).
09Is YRD or FINV better for a retirement portfolio?
For long-horizon retirement investors, FinVolution Group (FINV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
12), 4. 8% yield). Both have compounded well over 10 years (FINV: -47. 5%, 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 FINV?
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: YRD is a small-cap high-growth stock; FINV is a small-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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(YRD: 18.6% · FINV: 3.7%)Net Margin>
%
(YRD: 27.3% · FINV: 18.2%)P/E Ratio<
x
(YRD: 0.8x · FINV: 3.9x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.