Comprehensive Stock Comparison
Compare Yiren Digital Ltd. (YRD) vs JPMorgan Chase & Co. (JPM) 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 JPM's 14.6% |
| Value | YRD | Lower P/E (0.7x vs 13.9x), PEG 0.09 vs 1.07 |
| Quality / Margins | YRD | 27.3% net margin vs JPM's 21.6% |
| Stability / Safety | YRD | Beta 0.95 vs JPM's 1.00, lower leverage |
| Dividends | YRD | 10.5% yield, 1-year raise streak, vs JPM's 1.7% |
| Momentum (1Y) | JPM | +15.7% vs YRD's -36.9% |
| Efficiency (ROA) | YRD | 8.1% ROA vs JPM's 1.3%, ROIC 14.0% vs 5.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
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.
JPMorgan Chase is a global financial services giant that operates as a universal bank offering consumer banking, investment banking, commercial banking, and asset management services. It generates revenue primarily through net interest income from lending activities (about 50% of total revenue) and non-interest income from investment banking fees, trading, asset management, and card services. The company's key competitive advantage lies in its massive scale, diversified revenue streams, and fortress balance sheet—which together create significant barriers to entry and provide stability through economic cycles.
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 3 of 6 categories (Financial Metrics, Valuation Metrics). JPM leads in 1 (Total Returns). 2 tied.
Financial Metrics (TTM)
JPM is the larger business by revenue, generating $270.8B annually — 46.6x YRD's $5.8B. YRD is the more profitable business, keeping 27.3% of every revenue dollar as net income compared to JPM's 21.6%.
| Metric | YRDYiren Digital Ltd. | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $5.8B | $270.8B |
| EBITDAEarnings before interest/tax | $1.6B | $81.3B |
| Net IncomeAfter-tax profit | $1.3B | $58.0B |
| Free Cash FlowCash after capex | $884M | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +84.8% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +28.4% | +27.7% |
| Net MarginNet income ÷ Revenue | +27.3% | +21.6% |
| FCF MarginFCF ÷ Revenue | +24.4% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -10.1% | +16.0% |
Valuation Metrics
At 0.7x trailing earnings, YRD trades at a 95% valuation discount to JPM's 15.2x P/E. Adjusting for growth (PEG ratio), YRD offers better value at 0.09x vs JPM's 1.17x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | YRDYiren Digital Ltd. | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $673M | $809.7B |
| Enterprise ValueMkt cap + debt − cash | $119M | $1.09T |
| Trailing P/EPrice ÷ TTM EPS | 0.74x | 15.21x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | 0.09x | 1.17x |
| EV / EBITDAEnterprise value multiple | 0.49x | 13.15x |
| Price / SalesMarket cap ÷ Revenue | 0.80x | 2.99x |
| Price / BookPrice ÷ Book value/share | 0.12x | 2.51x |
| Price / FCFMarket cap ÷ FCF | 3.26x | — |
Profitability & Efficiency
JPM delivers a 16.1% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $12 for YRD. YRD carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.18x. On the Piotroski fundamental quality scale (0–9), JPM scores 5/9 vs YRD's 4/9, reflecting solid financial health.
| Metric | YRDYiren Digital Ltd. | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +12.1% | +16.1% |
| ROA (TTM)Return on assets | +8.1% | +1.3% |
| ROICReturn on invested capital | +14.0% | +5.4% |
| ROCEReturn on capital employed | +16.7% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.00x | 2.18x |
| Net DebtTotal debt minus cash | -$3.8B | $281.8B |
| Cash & Equiv.Liquid assets | $3.8B | $469.3B |
| Total DebtShort + long-term debt | $41M | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | — | 0.74x |
Total Returns (with DRIP)
A $10,000 investment in JPM five years ago would be worth $21,449 today (with dividends reinvested), compared to $8,602 for YRD. Over the past 12 months, JPM leads with a +15.7% total return vs YRD's -36.9%. The 3-year compound annual growth rate (CAGR) favors JPM at 30.0% vs YRD's 18.9% — a key indicator of consistent wealth creation.
| Metric | YRDYiren Digital Ltd. | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | +1.8% | -7.3% |
| 1-Year ReturnPast 12 months | -36.9% | +15.7% |
| 3-Year ReturnCumulative with dividends | +68.2% | +119.7% |
| 5-Year ReturnCumulative with dividends | -14.0% | +114.5% |
| 10-Year ReturnCumulative with dividends | +5.0% | +497.7% |
| CAGR (3Y)Annualised 3-year return | +18.9% | +30.0% |
Risk & Volatility
YRD is the less volatile stock with a 0.95 beta — it tends to amplify market swings less than JPM's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. JPM currently trades 89.0% from its 52-week high vs YRD's 44.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | YRDYiren Digital Ltd. | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.95x | 1.00x |
| 52-Week HighHighest price in past year | $8.74 | $337.25 |
| 52-Week LowLowest price in past year | $3.58 | $202.16 |
| % of 52W HighCurrent price vs 52-week peak | +44.6% | +89.0% |
| RSI (14)Momentum oscillator 0–100 | 53.6 | 48.1 |
| Avg Volume (50D)Average daily shares traded | 59K | 9.0M |
Analyst Outlook
Wall Street rates YRD as "Sell" and JPM as "Buy". For income investors, YRD offers the higher dividend yield at 10.47% vs JPM's 1.71%.
| Metric | YRDYiren Digital Ltd. | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Sell | Buy |
| Price TargetConsensus 12-month target | — | $336.10 |
| # AnalystsCovering analysts | 8 | 60 |
| Dividend YieldAnnual dividend ÷ price | +10.5% | +1.7% |
| Dividend StreakConsecutive years of raises | 1 | 14 |
| Dividend / ShareAnnual DPS | $2.80 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.6% | +3.5% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Apr 20 | Feb 26 | Change |
|---|---|---|---|
| Yiren Digital Ltd. (YRD) | 100 | 100.77 | +0.8% |
| JPMorgan Chase & Co. (JPM) | 72.13 | 263.46 | +265.3% |
JPMorgan Chase & Co. (JPM) returned +114% over 5 years vs Yiren Digital Ltd. (YRD)'s -14%. A $10,000 investment in JPM 5 years ago would be worth $21,449 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Yiren Digital Ltd. (YRD) | $1.3B | $5.8B | +340.4% |
| JPMorgan Chase & Co. (JPM) | $101.0B | $270.8B | +168.1% |
Yiren Digital Ltd.'s revenue grew from $1.3B (2015) to $5.8B (2024) — a 17.9% CAGR. JPMorgan Chase & Co.'s revenue grew from $101.0B (2015) to $270.8B (2024) — a 11.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Yiren Digital Ltd. (YRD) | 20.9% | 27.3% | +30.5% |
| JPMorgan Chase & Co. (JPM) | 24.2% | 21.6% | -10.8% |
Yiren Digital Ltd.'s net margin went from 21% (2015) to 27% (2024). JPMorgan Chase & Co.'s net margin went from 24% (2015) to 22% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Yiren Digital Ltd. (YRD) | 1 | 0.1 | -90.0% |
| JPMorgan Chase & Co. (JPM) | 16.9 | 12.1 | -28.4% |
Yiren Digital Ltd. has traded in a 0x–1x P/E range over 7 years; current trailing P/E is ~1x. JPMorgan Chase & Co. has traded in a 10x–17x P/E range over 8 years; current trailing P/E is ~15x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Yiren Digital Ltd. (YRD) | 10.94 | 36.22 | +231.1% |
| JPMorgan Chase & Co. (JPM) | 6 | 19.75 | +229.2% |
Yiren Digital Ltd.'s EPS grew from $10.94 (2015) to $36.22 (2024) — a 14% CAGR. JPMorgan Chase & Co.'s EPS grew from $6.00 (2015) to $19.75 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
Yiren Digital Ltd. generated $1B FCF in 2024 (+851% vs 2021). JPMorgan Chase & Co. generated $-42B FCF in 2024 (-154% vs 2021).
YRD vs JPM: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is YRD or JPM 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 JPMorgan Chase & Co. (JPM) a "Buy" — based on 60 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 JPM?
On trailing P/E, Yiren Digital Ltd. (YRD) is the cheapest at 0.7x versus JPMorgan Chase & Co. at 15.2x.
03Which is the better long-term investment — YRD or JPM?
Over the past 5 years, JPMorgan Chase & Co. (JPM) delivered a total return of +114.5%, compared to -14.0% for Yiren Digital Ltd. (YRD). A $10,000 investment in JPM five years ago would be worth approximately $21K today (assuming dividends reinvested). Over 10 years, the gap is even starker: JPM returned +497.7% versus YRD's +5.0%. 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 JPM?
By beta (market sensitivity over 5 years), Yiren Digital Ltd. (YRD) is the lower-risk stock at 0.95β versus JPMorgan Chase & Co.'s 1.00β — meaning JPM is approximately 6% 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 2% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which has better profit margins — YRD or JPM?
Yiren Digital Ltd. (YRD) is the more profitable company, earning 27.3% net margin versus 21.6% for JPMorgan Chase & Co. — 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 27.7% for JPM. 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.
06Which pays a better dividend — YRD or JPM?
All stocks in this comparison pay dividends. Yiren Digital Ltd. (YRD) offers the highest yield at 10.5%, versus 1.7% for JPMorgan Chase & Co. (JPM).
07Is YRD or JPM better for a retirement portfolio?
For long-horizon retirement investors, JPMorgan Chase & Co. (JPM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.00), 1.7% yield, +497.7% 10Y return). Both have compounded well over 10 years (JPM: +497.7%, YRD: +5.0%), 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.
08What are the main differences between YRD and JPM?
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. 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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