YRD vs JFIN

For growth investors, Yiren Digital Ltd.

(YRD) is the stronger pick with 18. 6% revenue growth year-over-year, versus 6. 1% for Jiayin Group Inc. (JFIN). 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 Jiayin Group Inc. (JFIN) a "Buy" — based on 1 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.

On trailing P/E, Yiren Digital Ltd.

(YRD) is the cheapest at 0. 8x versus Jiayin Group Inc. at 1. 7x. 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 Jiayin Group Inc. 's 0. 03x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Jiayin Group Inc.

(JFIN) delivered a total return of +21. 2%, compared to -27. 2% for Yiren Digital Ltd. (YRD). Over 10 years, the gap is even starker: JFIN returned -56. 7% 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.

By beta (market sensitivity over 5 years), Jiayin Group Inc.

(JFIN) is the lower-risk stock at 1. 19β versus Yiren Digital Ltd. 's 1. 25β — meaning YRD is approximately 5% more volatile than JFIN relative to the S&P 500. On balance sheet safety, Yiren Digital Ltd. (YRD) carries a lower debt/equity ratio of 0% versus 2% for Jiayin Group Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Yiren Digital Ltd.

(YRD) is pulling ahead at 18. 6% versus 6. 1% for Jiayin Group Inc. (JFIN). On earnings-per-share growth, the picture is similar: Jiayin Group Inc. grew EPS -18. 0% 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.

Yiren Digital Ltd.

(YRD) is the more profitable company, earning 27. 3% net margin versus 18. 2% for Jiayin Group 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 21. 5% for JFIN. 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.

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 Jiayin Group Inc. 's 0. 03x. 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. 5x for Jiayin Group Inc. — 0. 3x cheaper on a one-year earnings basis.

All stocks in this comparison pay dividends.

Jiayin Group Inc. (JFIN) offers the highest yield at 16. 9%, versus 10. 1% for Yiren Digital Ltd. (YRD).

For long-horizon retirement investors, Jiayin Group Inc.

(JFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 19), 16. 9% yield). Both have compounded well over 10 years (JFIN: -56. 7%, 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.

These companies operate in different sectors (YRD (Financial Services) and JFIN (Communication Services)), 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; JFIN 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.