HTT vs YRD
High Templar Tech Ltd. and Yiren Digital Ltd., side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
Most recent reported year
| Metric | HTT | YRD |
|---|---|---|
| Revenue | CNY 41.0M | CNY 5.7B |
| Net income | CNY 708.6M | CNY 54.5M |
| Gross margin | 81.1% | · |
| Net margin | · | 1.0% |
| Return on equity | 6.2% | 0.6% |
| Diluted EPS | · | CNY 0.31 |
| Dividend / share | · | · |
| Payout ratio | · | 500.9% |
| Free cash flow | CNY 570.4M | CNY 677.9M |
| Equity | CNY 11.6B | CNY 9.3B |
| Net debt / equity | −0.34× | −0.36× |
| Current ratio | 5.75× | · |
| Revenue CAGR 5y | −59.3% | 7.6% |
| Profit CAGR 5y | −5.9% | · |
YRD bills 139.6× the revenue of HTT.
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 | HTT | YRD |
|---|---|---|
| FY2025 | CNY 41.0M | CNY 5.7B |
| FY2024 | CNY 216.4M | CNY 5.8B |
| FY2023 | CNY 126.3M | CNY 4.9B |
| FY2022 | CNY 577.5M | CNY 3.4B |
| FY2021 | CNY 1.7B | CNY 4.5B |
| FY2020 | CNY 3.7B | CNY 4.0B |
| FY2019 | CNY 8.8B | CNY 8.6B |
| FY2018 | CNY 7.7B | CNY 11.2B |
| FY2017 | CNY 4.8B | CNY 11.5B |
| FY2016 | CNY 1.4B | CNY 3.2B |
Bottom line
| Fiscal year | HTT | YRD |
|---|---|---|
| FY2025 | CNY 708.6M | CNY 54.5M |
| FY2024 | CNY 91.7M | CNY 1.6B |
| FY2023 | CNY 39.1M | CNY 2.1B |
| FY2022 | CNY -362.0M | CNY 1.2B |
| FY2021 | CNY 589.1M | CNY 1.0B |
| FY2020 | CNY 958.8M | CNY -692.7M |
| FY2019 | CNY 3.3B | CNY 1.2B |
| FY2018 | CNY 2.5B | CNY 1.6B |
| FY2017 | CNY 2.2B | CNY -188.1M |
| FY2016 | CNY 576.7M | CNY 1.1B |
11 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −CNY 5,678,256,374 | YRD |
| FY2024 | −CNY 5,589,472,626 | YRD |
| FY2023 | −CNY 4,769,294,647 | YRD |
| FY2022 | −CNY 2,857,126,636 | YRD |
| FY2021 | −CNY 2,823,886,460 | YRD |
| FY2020 | −CNY 273,988,113 | YRD |
| FY2019 | +CNY 223,259,542 | HTT |
| FY2018 | −CNY 3,551,771,696 | YRD |
| FY2017 | −CNY 6,759,441,948 | YRD |
| FY2016 | −CNY 1,795,144,661 | YRD |
| FY2015 | −CNY 1,078,631,569 | YRD |
The higher-revenue side has changed between HTT 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.
10 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | +15.1 pp | HTT |
| FY2023 | −11.5 pp | YRD |
| FY2022 | −107.7 pp | YRD |
| FY2021 | +7.5 pp | HTT |
| FY2020 | +54.1 pp | HTT |
| FY2019 | +21.9 pp | HTT |
| FY2018 | +16.6 pp | HTT |
| FY2017 | +47.1 pp | HTT |
| FY2016 | +1.8 pp | HTT |
| FY2015 | −122.3 pp | YRD |
The higher net margin has changed hands between HTT and YRD over this period.
10 of 13 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
HTT's net margin has been more volatile than YRD's over the 10 comparable fiscal years — 47.9 percentage points of standard deviation against 21.0.
10 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 HTT and YRD over these 10 fiscal years — HTT led in 7 and YRD in 3.
10 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 HTT's over the 6 comparable fiscal years — 16.0 percentage points of standard deviation against 3.8.
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 HTT and YRD over these 6 fiscal years — HTT led in 2 and YRD in 4.
6 of 11 comparable fiscal years — a year missing data on either side is not counted.