XYF vs YRD
X Financial and Yiren Digital Ltd., side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
At a glance
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.
Revenue by year
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 |
Net income by year
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 |