X Financial vs Yiren Digital
XYF 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 XYF and YRD compare
X Financial grew revenue faster over the last twelve months (30.1% versus −1.5% for Yiren Digital).
X Financial keeps more of each dollar of sales as profit, with a net margin of 19.2% compared with 0.95% at Yiren Digital.
X Financial 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 | XYF | YRD |
|---|---|---|
| Size and price | ||
| Share price | $5.50 | $0.316 |
| Change, 1 year | −54.9% | −94.2% |
| Change, 5 years | 20.6% | −90.7% |
| Beta (5Y) | 0.67 | 1.07 |
| Employees | 643 | 108 |
| StockData Score | ||
| Total score | 11 (better) | 5 |
| Valuation score | 0 | 0 |
| Growth score | 4 (better) | 1 |
| Performance score | 4 (better) | 2 |
| Health score | 3 (better) | 2 |
| Dividend score | 0 | 0 |
| Growth | ||
| Revenue growth (TTM) | 30.1% (better) | −1.5% |
| Revenue growth, 5Y average | 28.4% (better) | 7.6% |
| Net income growth (TTM) | −4.9% (better) | −96.6% |
| EPS growth (TTM) | 11.8% (better) | −96.6% |
| Profitability | ||
| Gross margin | 73.6% | – |
| Operating margin | 21.3% (better) | −104% |
| Net margin | 19.2% (better) | 0.95% |
| FCF margin | 18.9% (better) | 11.9% |
| Return on equity | 19.8% (better) | 0.58% |
| Return on invested capital | 20.0% (better) | −80.7% |
| Financial health | ||
| Debt / equity | 0.05 | 0.00 (better) |
| Net debt / EBITDA | −0.35 | – |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Payout ratio | 10.6% | 501% |
| Ownership | ||
| Held by institutions | 0.18% | 1.2% |
| Held by insiders | 29.8% | 83.6% |
| Insider net buying, 12 months | −$942K | – |
Go deeper
- XYF stock overview
- XYF income statement
- XYF 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.