YRD vs QFIN vs FINV vs LX vs JFIN

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 Qfin Holdings, Inc. (QFIN) 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.

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: Qfin Holdings, Inc. wins at 0. 02x versus FinVolution Group's 0. 19x — 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 -66. 4% for LexinFintech Holdings Ltd. (LX). Over 10 years, the gap is even starker: QFIN returned +16. 1% 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.

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 49% for LexinFintech Holdings Ltd. — 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 3. 7% for FinVolution Group (FINV). On earnings-per-share growth, the picture is similar: Qfin Holdings, Inc. grew EPS 60. 7% 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.

Qfin Holdings, Inc.

(QFIN) is the more profitable company, earning 36. 5% net margin versus 7. 7% for LexinFintech Holdings Ltd. — meaning it keeps 36. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: QFIN leads at 43. 9% 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.

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, Qfin Holdings, Inc. (QFIN) is the more undervalued stock at a PEG of 0. 02x 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. Analyst consensus price targets imply the most upside for QFIN: 113. 1% to $28. 15.

All stocks in this comparison pay dividends.

Jiayin Group Inc. (JFIN) offers the highest yield at 16. 9%, versus 4. 8% for FinVolution Group (FINV).

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%, 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.

These companies operate in different sectors (YRD (Financial Services) and QFIN (Financial Services) and FINV (Financial Services) and LX (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; QFIN is a small-cap deep-value stock; FINV is a small-cap deep-value stock; LX is a small-cap deep-value 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.