XYF vs YRD
X Financial and Yiren Digital Ltd., side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
Most recent reported year
| Metric | XYF | YRD |
|---|---|---|
| Revenue | CNY 7.6B | CNY 5.7B |
| Net income | CNY 1.5B | CNY 54.5M |
| Gross margin | 73.6% | · |
| Net margin | 19.2% | 1.0% |
| Return on equity | 19.8% | 0.6% |
| Diluted EPS | CNY 5.87 | CNY 0.31 |
| Dividend / share | $0.09 | · |
| Payout ratio | 10.6% | 500.9% |
| Free cash flow | CNY 1.4B | CNY 677.9M |
| Equity | CNY 7.8B | CNY 9.3B |
| Net debt / equity | −0.07× | −0.36× |
| Current ratio | · | · |
| Revenue CAGR 5y | 28.4% | 7.6% |
| Profit CAGR 5y | · | · |
XYF bills 1.3× the revenue of YRD, and keeps more of each dollar of revenue as profit (19.2% 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 | XYF | YRD |
|---|---|---|
| FY2025 | CNY 7.6B | CNY 5.7B |
| FY2024 | CNY 5.9B | CNY 5.8B |
| FY2023 | CNY 4.8B | CNY 4.9B |
| FY2022 | CNY 3.6B | CNY 3.4B |
| FY2021 | CNY 3.6B | CNY 4.5B |
| FY2020 | CNY 2.2B | CNY 4.0B |
| FY2019 | CNY 3.1B | CNY 8.6B |
| FY2018 | CNY 3.5B | CNY 11.2B |
| FY2017 | CNY 1.8B | CNY 11.5B |
| FY2016 | CNY 230.3M | CNY 3.2B |
Bottom line
| Fiscal year | XYF | YRD |
|---|---|---|
| FY2025 | CNY 1.5B | CNY 54.5M |
| FY2024 | CNY 1.5B | CNY 1.6B |
| FY2023 | CNY 1.2B | CNY 2.1B |
| FY2022 | CNY 812.0M | CNY 1.2B |
| FY2021 | CNY 825.4M | CNY 1.0B |
| FY2020 | CNY -1.3B | CNY -692.7M |
| FY2019 | CNY 774.3M | CNY 1.2B |
| FY2018 | CNY 883.1M | CNY 1.6B |
| FY2017 | CNY 340.3M | CNY -188.1M |
| FY2016 | CNY -119.6M | CNY 1.1B |
10 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +CNY 1,920,204,431 | XYF |
| FY2024 | +CNY 65,880,746 | XYF |
| FY2023 | −CNY 80,748,970 | YRD |
| FY2022 | +CNY 128,330,115 | XYF |
| FY2021 | −CNY 851,463,895 | YRD |
| FY2020 | −CNY 1,769,004,542 | YRD |
| FY2019 | −CNY 5,528,734,005 | YRD |
| FY2018 | −CNY 7,703,513,956 | YRD |
| FY2017 | −CNY 9,747,872,807 | YRD |
| FY2016 | −CNY 3,007,685,315 | YRD |
The higher-revenue side has changed between XYF and YRD over this period. The gap has narrowed since the earliest year compared.
10 of 13 comparable fiscal years — a year missing data on either side is not counted.
10 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +18.2 pp | XYF |
| FY2024 | −1.0 pp | YRD |
| FY2023 | −17.8 pp | YRD |
| FY2022 | −22.2 pp | YRD |
| FY2021 | −5.2 pp | YRD |
| FY2020 | −31.6 pp | YRD |
| FY2019 | +10.1 pp | XYF |
| FY2018 | +9.2 pp | XYF |
| FY2017 | +20.8 pp | XYF |
| FY2016 | −90.4 pp | YRD |
The higher net margin has changed hands between XYF 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
XYF's net margin has been more volatile than YRD's over the 10 comparable fiscal years — 31.7 percentage points of standard deviation against 21.8.
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 XYF and YRD over these 10 fiscal years — XYF led in 4 and YRD in 6.
10 of 13 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
XYF's return on equity has been more volatile than YRD's over the 6 comparable fiscal years — 21.3 percentage points of standard deviation against 16.0.
6 of 13 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 XYF and YRD over these 6 fiscal years — XYF led in 2 and YRD in 4.
6 of 13 comparable fiscal years — a year missing data on either side is not counted.