LX vs YRD
LexinFintech Holdings Ltd. and Yiren Digital Ltd., side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
Most recent reported year
| Metric | LX | YRD |
|---|---|---|
| Revenue | CNY 13.2B | CNY 5.7B |
| Net income | CNY 1.7B | CNY 54.5M |
| Gross margin | 34.0% | · |
| Net margin | 12.8% | 1.0% |
| Return on equity | 14.8% | 0.6% |
| Diluted EPS | CNY 4.72 | CNY 0.31 |
| Dividend / share | · | · |
| Payout ratio | 22.8% | 500.9% |
| Free cash flow | CNY 3.3B | CNY 677.9M |
| Equity | · | CNY 9.3B |
| Net debt / equity | −0.12× | −0.36× |
| Current ratio | 1.89× | · |
| Revenue CAGR 5y | 2.5% | 7.6% |
| Profit CAGR 5y | 23.0% | · |
LX bills 2.3× the revenue of YRD, and keeps more of each dollar of revenue as profit (12.8% 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 | LX | YRD |
|---|---|---|
| FY2025 | CNY 13.2B | CNY 5.7B |
| FY2024 | CNY 14.2B | CNY 5.8B |
| FY2023 | CNY 13.1B | CNY 4.9B |
| FY2022 | CNY 9.9B | CNY 3.4B |
| FY2021 | CNY 11.4B | CNY 4.5B |
| FY2020 | CNY 11.6B | CNY 4.0B |
| FY2019 | CNY 10.6B | CNY 8.6B |
| FY2018 | CNY 7.6B | CNY 11.2B |
| FY2017 | CNY 5.6B | CNY 11.5B |
| FY2016 | CNY 4.3B | CNY 3.2B |
Bottom line
| Fiscal year | LX | YRD |
|---|---|---|
| FY2025 | CNY 1.7B | CNY 54.5M |
| FY2024 | CNY 1.1B | CNY 1.6B |
| FY2023 | CNY 1.1B | CNY 2.1B |
| FY2022 | CNY 825.9M | CNY 1.2B |
| FY2021 | CNY 2.3B | CNY 1.0B |
| FY2020 | CNY 595.0M | CNY -692.7M |
| FY2019 | CNY 2.3B | CNY 1.2B |
| FY2018 | CNY 2.0B | CNY 1.6B |
| FY2017 | CNY 240.4M | CNY -188.1M |
| FY2016 | CNY -117.9M | CNY 1.1B |
11 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +CNY 7,432,867,000 | LX |
| FY2024 | +CNY 8,397,693,000 | LX |
| FY2023 | +CNY 8,161,449,000 | LX |
| FY2022 | +CNY 6,431,191,000 | LX |
| FY2021 | +CNY 6,902,596,000 | LX |
| FY2020 | +CNY 7,683,293,000 | LX |
| FY2019 | +CNY 1,986,723,000 | LX |
| FY2018 | −CNY 3,647,218,000 | YRD |
| FY2017 | −CNY 5,952,619,000 | YRD |
| FY2016 | +CNY 1,100,695,000 | LX |
| FY2015 | +CNY 1,211,303,000 | LX |
The higher-revenue side has changed between LX 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 | +11.8 pp | LX |
| FY2024 | −19.5 pp | YRD |
| FY2023 | −34.3 pp | YRD |
| FY2022 | −36.6 pp | YRD |
| FY2021 | −7.4 pp | YRD |
| FY2020 | +33.2 pp | LX |
| FY2019 | +6.6 pp | LX |
| FY2018 | +10.3 pp | LX |
| FY2017 | +6.1 pp | LX |
| FY2016 | −40.9 pp | YRD |
| FY2015 | −35.4 pp | YRD |
The higher net margin has changed hands between LX 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
YRD's net margin has been more volatile than LX's over the 11 comparable fiscal years — 20.8 percentage points of standard deviation against 10.6.
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 LX and YRD over these 11 fiscal years — LX led in 5 and YRD in 6.
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 LX's over the 6 comparable fiscal years — 16.0 percentage points of standard deviation against 8.8.
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 LX and YRD over these 6 fiscal years — LX led in 3 and YRD in 3.
6 of 11 comparable fiscal years — a year missing data on either side is not counted.