FINV vs YRD
FinVolution Group and Yiren Digital Ltd., side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
Most recent reported year
| Metric | FINV | YRD |
|---|---|---|
| Revenue | CNY 13.6B | CNY 5.7B |
| Net income | CNY 2.5B | CNY 54.5M |
| Gross margin | · | · |
| Net margin | 18.8% | 1.0% |
| Return on equity | 16.0% | 0.6% |
| Diluted EPS | CNY 1.92 | CNY 0.31 |
| Dividend / share | · | · |
| Payout ratio | 20.1% | 500.9% |
| Free cash flow | CNY 1.8B | CNY 677.9M |
| Equity | CNY 16.6B | CNY 9.3B |
| Net debt / equity | −0.24× | −0.36× |
| Current ratio | · | · |
| Revenue CAGR 5y | 12.4% | 7.6% |
| Profit CAGR 5y | 5.2% | · |
FINV bills 2.4× the revenue of YRD, and keeps more of each dollar of revenue as profit (18.8% against 1.0%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
10 years side by side
| Fiscal year | FINV | YRD |
|---|---|---|
| FY2025 | CNY 13.6B | CNY 5.7B |
| FY2024 | CNY 13.1B | CNY 5.8B |
| FY2023 | CNY 12.5B | CNY 4.9B |
| FY2022 | CNY 11.1B | CNY 3.4B |
| FY2021 | CNY 9.5B | CNY 4.5B |
| FY2020 | CNY 7.6B | CNY 4.0B |
| FY2019 | CNY 6.0B | CNY 8.6B |
| FY2018 | CNY 4.5B | CNY 11.2B |
| FY2017 | CNY 3.9B | CNY 11.5B |
| FY2016 | CNY 1.2B | CNY 3.2B |
Bottom line
| Fiscal year | FINV | YRD |
|---|---|---|
| FY2025 | CNY 2.5B | CNY 54.5M |
| FY2024 | CNY 2.4B | CNY 1.6B |
| FY2023 | CNY 2.3B | CNY 2.1B |
| FY2022 | CNY 2.3B | CNY 1.2B |
| FY2021 | CNY 2.5B | CNY 1.0B |
| FY2020 | CNY 2.0B | CNY -692.7M |
| FY2019 | CNY 2.4B | CNY 1.2B |
| FY2018 | CNY 2.5B | CNY 1.6B |
| FY2017 | CNY 1.1B | CNY -188.1M |
| FY2016 | CNY 501.5M | CNY 1.1B |
11 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +CNY 7,850,263,000 | FINV |
| FY2024 | +CNY 7,259,923,000 | FINV |
| FY2023 | +CNY 7,651,812,000 | FINV |
| FY2022 | +CNY 7,699,583,000 | FINV |
| FY2021 | +CNY 4,992,199,000 | FINV |
| FY2020 | +CNY 3,601,125,000 | FINV |
| FY2019 | −CNY 2,654,027,000 | YRD |
| FY2018 | −CNY 6,700,441,000 | YRD |
| FY2017 | −CNY 7,607,585,000 | YRD |
| FY2016 | −CNY 2,022,233,000 | YRD |
| FY2015 | −CNY 1,117,950,000 | YRD |
The higher-revenue side has changed between FINV and YRD over this period. The gap has widened since the earliest year compared.
11 of 13 comparable fiscal years — a year missing data on either side is not counted.
11 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +17.8 pp | FINV |
| FY2024 | −9.0 pp | YRD |
| FY2023 | −23.5 pp | YRD |
| FY2022 | −24.5 pp | YRD |
| FY2021 | −1.6 pp | YRD |
| FY2020 | +54.1 pp | FINV |
| FY2019 | +24.8 pp | FINV |
| FY2018 | +38.6 pp | FINV |
| FY2017 | +29.4 pp | FINV |
| FY2016 | +3.1 pp | FINV |
| FY2015 | −60.0 pp | YRD |
The higher net margin has changed hands between FINV and YRD over this period.
11 of 13 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
FINV's net margin has been more volatile than YRD's over the 11 comparable fiscal years — 21.9 percentage points of standard deviation against 20.8.
11 of 13 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between FINV and YRD over these 11 fiscal years — FINV led in 6 and YRD in 5.
11 of 13 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
YRD's return on equity has been more volatile than FINV's over the 6 comparable fiscal years — 16.0 percentage points of standard deviation against 3.9.
6 of 11 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between FINV and YRD over these 6 fiscal years — FINV led in 3 and YRD in 3.
6 of 11 comparable fiscal years — a year missing data on either side is not counted.