Jiayin vs Yiren Digital
JFIN and YRD side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How JFIN and YRD compare
Jiayin grew revenue faster over the last twelve months (7.3% versus −1.5% for Yiren Digital).
Jiayin keeps more of each dollar of sales as profit, with a net margin of 24.7% compared with 0.95% at Yiren Digital.
Jiayin scores higher on the StockData Score (11 against 5 for Yiren Digital), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | JFIN | YRD |
|---|---|---|
| Size and price | ||
| Share price | $1.39 | $0.316 |
| Change, 1 year | −85.1% | −94.2% |
| Change, 5 years | −61.7% | −90.7% |
| Beta (5Y) | 0.98 | 1.07 |
| Employees | 1,155 | 108 |
| StockData Score | ||
| Total score | 11 (better) | 5 |
| Valuation score | 0 | 0 |
| Growth score | 3 (better) | 1 |
| Performance score | 5 (better) | 2 |
| Health score | 3 (better) | 2 |
| Dividend score | 0 | 0 |
| Growth | ||
| Revenue growth (TTM) | 7.3% (better) | −1.5% |
| Revenue growth, 5Y average | 36.8% (better) | 7.6% |
| Net income growth (TTM) | 45.4% (better) | −96.6% |
| EPS growth (TTM) | 47.9% (better) | −96.6% |
| EPS growth, 5Y average | 44.4% | – |
| Profitability | ||
| Operating margin | 28.9% (better) | −104% |
| Net margin | 24.7% (better) | 0.95% |
| FCF margin | 10.0% | 11.9% (better) |
| Return on equity | 40.6% (better) | 0.58% |
| Return on invested capital | 38.6% (better) | −80.7% |
| Financial health | ||
| Debt / equity | 0.15 | 0.00 (better) |
| Net debt / EBITDA | 0.33 | – |
| Current ratio | 1.88 | – |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Payout ratio | – | 501% |
| Ownership | ||
| Held by institutions | 0.27% | 1.2% |
| Held by insiders | 68.0% | 83.6% |
Go deeper
- JFIN stock overview
- JFIN income statement
- JFIN valuation and score
- YRD stock overview
- YRD income statement
- YRD valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.