LU vs YRD
Lufax Holding Ltd. and Yiren Digital Ltd., side by side — 7 fiscal years reported in CNY, drawn from SEC filings.
Most recent reported year
| Metric | LU | YRD |
|---|---|---|
| Revenue | CNY 8.2B | CNY 5.7B |
| Net income | CNY -3.9B | CNY 54.5M |
| Gross margin | · | · |
| Net margin | −44.2% | 1.0% |
| Return on equity | −4.5% | 0.6% |
| Diluted EPS | · | CNY 0.31 |
| Dividend / share | · | · |
| Payout ratio | −132.6% | 500.9% |
| Free cash flow | · | CNY 677.9M |
| Equity | CNY 81.8B | CNY 9.3B |
| Net debt / equity | 0.48× | −0.36× |
| Current ratio | · | · |
| Revenue CAGR 5y | −27.9% | 7.6% |
| Profit CAGR 5y | · | · |
LU bills 1.4× the revenue of YRD, and LU closed the last reported year at a loss.
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.
7 years side by side
| Fiscal year | LU | YRD |
|---|---|---|
| FY2024 | CNY 8.2B | CNY 5.8B |
| FY2023 | CNY 15.3B | CNY 4.9B |
| FY2022 | CNY 29.2B | CNY 3.4B |
| FY2021 | CNY 38.3B | CNY 4.5B |
| FY2020 | CNY 41.2B | CNY 4.0B |
| FY2019 | CNY 41.9B | CNY 8.6B |
| FY2018 | CNY 32.2B | CNY 11.2B |
Bottom line
| Fiscal year | LU | YRD |
|---|---|---|
| FY2024 | CNY -3.9B | CNY 1.6B |
| FY2023 | CNY 809.6M | CNY 2.1B |
| FY2022 | CNY 7.8B | CNY 1.2B |
| FY2021 | CNY 16.8B | CNY 1.0B |
| FY2020 | CNY 12.4B | CNY -692.7M |
| FY2019 | CNY 13.3B | CNY 1.2B |
| FY2018 | CNY 13.6B | CNY 1.6B |
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | +CNY 2,355,121,000 | LU |
| FY2023 | +CNY 10,423,111,000 | LU |
| FY2022 | +CNY 25,779,993,000 | LU |
| FY2021 | +CNY 33,816,388,000 | LU |
| FY2020 | +CNY 37,259,880,000 | LU |
| FY2019 | +CNY 33,312,293,000 | LU |
| FY2018 | +CNY 20,977,325,000 | LU |
LU has reported the higher revenue in every one of these 7 fiscal years. The gap has narrowed since the earliest year compared.
7 of 13 comparable fiscal years — a year missing data on either side is not counted.
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | −71.4 pp | YRD |
| FY2023 | −36.3 pp | YRD |
| FY2022 | −18.1 pp | YRD |
| FY2021 | +15.7 pp | LU |
| FY2020 | +57.8 pp | LU |
| FY2019 | +16.8 pp | LU |
| FY2018 | +26.4 pp | LU |
The higher net margin has changed hands between LU and YRD over this period.
7 of 13 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
LU's net margin has been more volatile than YRD's over the 7 comparable fiscal years — 28.4 percentage points of standard deviation against 22.7.
7 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 LU and YRD over these 7 fiscal years — LU led in 4 and YRD in 3.
7 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 LU's over the 5 comparable fiscal years — 16.5 percentage points of standard deviation against 9.5.
5 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 LU and YRD over these 5 fiscal years — LU led in 1 and YRD in 4.
5 of 11 comparable fiscal years — a year missing data on either side is not counted.