Yiren Digital (YRD) Competitors

Yiren Digital (NYSE:YRD) and FinVolution Group (NYSE:FINV) are both computer and technology companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, media sentiment, community ranking, earnings, profitability, institutional ownership, dividends and risk.

Which has more volatility & risk, YRD or FINV?

Yiren Digital has a beta of 0.77, meaning that its share price is 23% less volatile than the S&P 500. Comparatively, FinVolution Group has a beta of 0.3, meaning that its share price is 70% less volatile than the S&P 500.

Which has higher earnings and valuation, YRD or FINV?

FinVolution Group has higher revenue and earnings than Yiren Digital. Yiren Digital is trading at a lower price-to-earnings ratio than FinVolution Group, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Yiren Digital	$5.81B	0.09	$292.99M	$2.51	2.51
FinVolution Group	$13.09B	0.17	$329.70M	$1.25	6.88

Is YRD or FINV more profitable?

Yiren Digital has a net margin of 32.37% compared to FinVolution Group's net margin of 17.36%. Yiren Digital's return on equity of 20.85% beat FinVolution Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Yiren Digital	32.37%	20.85%	16.00%
FinVolution Group	17.36%	16.66%	10.85%

Do institutionals and insiders hold more shares of YRD or FINV?

2.0% of Yiren Digital shares are owned by institutional investors. Comparatively, 31.1% of FinVolution Group shares are owned by institutional investors. 42.2% of Yiren Digital shares are owned by company insiders. Comparatively, 44.0% of FinVolution Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Does the MarketBeat Community believe in YRD or FINV?

Yiren Digital received 318 more outperform votes than FinVolution Group when rated by MarketBeat users. Likewise, 70.21% of users gave Yiren Digital an outperform vote while only 57.14% of users gave FinVolution Group an outperform vote.

Company	Underperform	Outperform
Yiren Digital	Outperform Votes 330 70.21%	Underperform Votes 140 29.79%
FinVolution Group	Outperform Votes 12 57.14%	Underperform Votes 9 42.86%

Is YRD or FINV a better dividend stock?

Yiren Digital pays an annual dividend of $0.40 per share and has a dividend yield of 6.3%. FinVolution Group pays an annual dividend of $0.21 per share and has a dividend yield of 2.4%. Yiren Digital pays out 15.9% of its earnings in the form of a dividend. FinVolution Group pays out 16.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Yiren Digital is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do analysts rate YRD or FINV?

FinVolution Group has a consensus target price of $11.40, indicating a potential upside of 32.56%. Given FinVolution Group's stronger consensus rating and higher probable upside, analysts plainly believe FinVolution Group is more favorable than Yiren Digital.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Yiren Digital	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
FinVolution Group	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the media refer more to YRD or FINV?

In the previous week, FinVolution Group had 4 more articles in the media than Yiren Digital. MarketBeat recorded 5 mentions for FinVolution Group and 1 mentions for Yiren Digital. FinVolution Group's average media sentiment score of 1.68 beat Yiren Digital's score of 0.00 indicating that FinVolution Group is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Yiren Digital	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
FinVolution Group	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Summary

FinVolution Group beats Yiren Digital on 11 of the 20 factors compared between the two stocks.