YRD
Yiren Digital Ltd.
Financial - Credit Services
Market Cap$350M
5Y Perf.-46.9%
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Stock Comparison
YRD vs LX
Revenue, margins, valuation, and 5-year total return — side by side.
LX
LexinFintech Holdings Ltd.
Financial - Credit Services
Market Cap$147M
5Y Perf.-74.7%
YRD vs LX — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | YRD | LX |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $350M | $147M |
| Revenue (TTM) | $5.81B | $14.20B |
| Net Income (TTM) | $1.25B | $1.61B |
| Gross Margin | 84.8% | 35.4% |
| Operating Margin | 28.4% | 16.1% |
| Forward P/E | 0.2x | 0.3x |
| Total Debt | $41M | $5.27B |
| Cash & Equiv. | $3.84B | $2.25B |
YRD vs LX — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
YRD
LX
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Yiren Digital Ltd. (YRD) | 100 | 53.1 | -46.9% |
| LexinFintech Holdin… (LX) | 100 | 25.3 | -74.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: YRD vs LX
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: YRD leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. LexinFintech Holdings Ltd. is the stronger pick specifically for profitability and margin quality and capital preservation and lower volatility. 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 long-term compounding.
- Rev growth 18.6%, EPS growth -22.2%
- -58.6% 10Y total return vs LX's -74.1%
- Lower volatility, beta 1.25, Low D/E 0.4%, current ratio 5.61x
Best for: growth exposure and long-term compounding
LX
LexinFintech Holdings Ltd.
The Banking Pick
LX is the clearest fit if your priority is income & stability.
- Dividend streak 2 yrs, beta 1.25, yield 6.9%
- Efficiency ratio 0.2% vs YRD's 0.6% (lower = leaner)
- Beta 1.25 vs YRD's 1.25
Best for: income & stability
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | YRD | 18.6% NII/revenue growth vs LX's 8.8% |
| Value | YRD | Lower P/E (0.2x vs 0.3x) |
| Quality / Margins | LX | Efficiency ratio 0.2% vs YRD's 0.6% (lower = leaner) |
| Stability / Safety | LX | Beta 1.25 vs YRD's 1.25 |
| Dividends | YRD | 10.1% yield, 1-year raise streak, vs LX's 6.9% |
| Momentum (1Y) | YRD | -64.1% vs LX's -70.4% |
| Efficiency (ROA) | LX | Efficiency ratio 0.2% vs YRD's 0.6% |
YRD vs LX — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
YRD vs LX — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLYRDLAGGINGLX
LXLexinFintech Holdings…
0leads
YRDYiren Digital Ltd.
3leads
6 Total Categories
CATEGORYLEADERvs LXMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
YRD4/5
Valuation MetricsMultiples, price ratios, and targets
YRD4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
YRD5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
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)
LX is the larger business by revenue, generating $14.2B annually — 2.4x YRD's $5.8B. YRD is the more profitable business, keeping 27.3% of every revenue dollar as net income compared to LX's 7.7%.
| Metric | YRDYiren Digital Ltd. | LXLexinFintech Hold… |
|---|---|---|
| RevenueTrailing 12 months | $5.8B | $14.2B |
| EBITDAEarnings before interest/tax | $1.6B | $1.8B |
| Net IncomeAfter-tax profit | $1.3B | $1.6B |
| Free Cash FlowCash after capex | $884M | $0 |
| Gross MarginGross profit ÷ Revenue | +84.8% | +35.4% |
| Operating MarginEBIT ÷ Revenue | +28.4% | +16.1% |
| Net MarginNet income ÷ Revenue | +27.3% | +7.7% |
| FCF MarginFCF ÷ Revenue | +24.4% | +5.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -9.9% | +110.3% |
YRD leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
YRD leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 0.8x trailing earnings, YRD trades at a 65% valuation discount to LX's 2.2x P/E.
| Metric | YRDYiren Digital Ltd. | LXLexinFintech Hold… |
|---|---|---|
| Market CapShares × price | $350M | $147M |
| Enterprise ValueMkt cap + debt − cash | -$208M | $590M |
| Trailing P/EPrice ÷ TTM EPS | 0.76x | 2.16x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.20x | 0.35x |
| PEG RatioP/E ÷ EPS growth rate | 0.10x | — |
| EV / EBITDAEnterprise value multiple | -0.85x | 1.65x |
| Price / SalesMarket cap ÷ Revenue | 0.41x | 0.07x |
| Price / BookPrice ÷ Book value/share | 0.13x | 0.22x |
| Price / FCFMarket cap ÷ FCF | 1.69x | 1.20x |
YRD leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
YRD leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
LX delivers a 14.7% return on equity — every $100 of shareholder capital generates $15 in annual profit, vs $13 for YRD. YRD carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to LX's 0.49x. On the Piotroski fundamental quality scale (0–9), LX scores 8/9 vs YRD's 4/9, reflecting strong financial health.
| Metric | YRDYiren Digital Ltd. | LXLexinFintech Hold… |
|---|---|---|
| ROE (TTM)Return on equity | +12.7% | +14.7% |
| ROA (TTM)Return on assets | +8.9% | +7.2% |
| ROICReturn on invested capital | +14.0% | +11.0% |
| ROCEReturn on capital employed | +16.7% | +19.5% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 8 |
| Debt / EquityFinancial leverage | 0.00x | 0.49x |
| Net DebtTotal debt minus cash | -$3.8B | $3.0B |
| Cash & Equiv.Liquid assets | $3.8B | $2.3B |
| Total DebtShort + long-term debt | $41M | $5.3B |
| Interest CoverageEBIT ÷ Interest expense | — | 153.26x |
YRD leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — YRD and LX each lead in 3 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 $3,364 for LX. Over the past 12 months, YRD leads with a -64.1% total return vs LX's -70.4%. The 3-year compound annual growth rate (CAGR) favors LX at 2.6% vs YRD's 0.3% — a key indicator of consistent wealth creation.
| Metric | YRDYiren Digital Ltd. | LXLexinFintech Hold… |
|---|---|---|
| YTD ReturnYear-to-date | -47.0% | -31.8% |
| 1-Year ReturnPast 12 months | -64.1% | -70.4% |
| 3-Year ReturnCumulative with dividends | +0.8% | +8.1% |
| 5-Year ReturnCumulative with dividends | -27.2% | -66.4% |
| 10-Year ReturnCumulative with dividends | -58.6% | -74.1% |
| CAGR (3Y)Annualised 3-year return | +0.3% | +2.6% |
Evenly matched — YRD and LX each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — YRD and LX each lead in 1 of 2 comparable metrics.
Risk & Volatility
LX is the less volatile stock with a 1.25 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. YRD currently trades 26.4% from its 52-week high vs LX's 22.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | YRDYiren Digital Ltd. | LXLexinFintech Hold… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.25x | 1.25x |
| 52-Week HighHighest price in past year | $7.68 | $9.35 |
| 52-Week LowLowest price in past year | $1.58 | $2.02 |
| % of 52W HighCurrent price vs 52-week peak | +26.4% | +22.0% |
| RSI (14)Momentum oscillator 0–100 | 49.5 | 44.7 |
| Avg Volume (50D)Average daily shares traded | 101K | 1.5M |
Evenly matched — YRD and LX each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — YRD and LX each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates YRD as "Sell" and LX as "Buy". For income investors, YRD offers the higher dividend yield at 10.14% vs LX's 6.91%.
| Metric | YRDYiren Digital Ltd. | LXLexinFintech Hold… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Sell | Buy |
| Price TargetConsensus 12-month target | — | $3.50 |
| # AnalystsCovering analysts | 8 | 12 |
| Dividend YieldAnnual dividend ÷ price | +10.1% | +6.9% |
| Dividend StreakConsecutive years of raises | 1 | 2 |
| Dividend / ShareAnnual DPS | $1.40 | $0.97 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.2% | 0.0% |
Evenly matched — YRD and LX each lead in 1 of 2 comparable metrics.
Key Takeaway
YRD leads in 3 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 3 categories are tied.
Best OverallYiren Digital Ltd. (YRD)Leads 3 of 6 categories
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YRD vs LX: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is YRD or LX 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 8. 8% for LexinFintech Holdings Ltd. (LX). 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 LexinFintech Holdings Ltd. (LX) a "Buy" — based on 12 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 LX?
On trailing P/E, Yiren Digital Ltd.
(YRD) is the cheapest at 0. 8x versus LexinFintech Holdings Ltd. at 2. 2x. On forward P/E, Yiren Digital Ltd. is actually cheaper at 0. 2x.
03Which is the better long-term investment — YRD or LX?
Over the past 5 years, Yiren Digital Ltd.
(YRD) delivered a total return of -27. 2%, compared to -66. 4% for LexinFintech Holdings Ltd. (LX). Over 10 years, the gap is even starker: YRD returned -58. 6% versus LX's -74. 1%. 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 LX?
By beta (market sensitivity over 5 years), LexinFintech Holdings Ltd.
(LX) is the lower-risk stock at 1. 25β versus Yiren Digital Ltd. 's 1. 25β — meaning YRD is approximately 0% more volatile than LX relative to the S&P 500. On balance sheet safety, Yiren Digital Ltd. (YRD) carries a lower debt/equity ratio of 0% versus 49% for LexinFintech Holdings Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — YRD or LX?
By revenue growth (latest reported year), Yiren Digital Ltd.
(YRD) is pulling ahead at 18. 6% versus 8. 8% for LexinFintech Holdings Ltd. (LX). On earnings-per-share growth, the picture is similar: LexinFintech Holdings Ltd. grew EPS 2. 5% 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 LX?
Yiren Digital Ltd.
(YRD) is the more profitable company, earning 27. 3% net margin versus 7. 7% for LexinFintech Holdings Ltd. — 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 16. 1% for LX. 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 LX more undervalued right now?
On forward earnings alone, Yiren Digital Ltd.
(YRD) trades at 0. 2x forward P/E versus 0. 3x for LexinFintech Holdings Ltd. — 0. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — YRD or LX?
All stocks in this comparison pay dividends.
Yiren Digital Ltd. (YRD) offers the highest yield at 10. 1%, versus 6. 9% for LexinFintech Holdings Ltd. (LX).
09Is YRD or LX 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 1. 25), 10. 1% yield). Both have compounded well over 10 years (YRD: -58. 6%, LX: -74. 1%), 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 LX?
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; LX 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.
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Revenue Growth>
%
(YRD: 18.6% · LX: 8.8%)Net Margin>
%
(YRD: 27.3% · LX: 7.7%)P/E Ratio<
x
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