FOA
Price
$23.47
Change
+$0.36 (+1.56%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
185.05M
Intraday BUY SELL Signals
YRD
Price
$4.83
Change
-$0.02 (-0.41%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
413.02M
Intraday BUY SELL Signals
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FOA vs YRD

Header iconFOA vs YRD Comparison
Open Charts FOA vs YRDBanner chart's image
Finance of America Companies
Price$23.47
Change+$0.36 (+1.56%)
Volume$100
Capitalization185.05M
Yiren Digital
Price$4.83
Change-$0.02 (-0.41%)
Volume$400
Capitalization413.02M
FOA vs YRD Comparison Chart in %
FOA
Daily Signal:
Gain/Loss:
YRD
Daily Signal:
Gain/Loss:
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VS
FOA vs. YRD commentary
Nov 20, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FOA is a Hold and YRD is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (FOA: $23.11 vs. YRD: $4.85)
Brand notoriety: FOA and YRD are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: FOA: 50% vs. YRD: 108%
Market capitalization -- FOA: $185.05M vs. YRD: $413.02M
FOA [@Savings Banks] is valued at $185.05M. YRD’s [@Savings Banks] market capitalization is $413.02M. The market cap for tickers in the [@Savings Banks] industry ranges from $625.52B to $0. The average market capitalization across the [@Savings Banks] industry is $20.25B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FOA’s FA Score shows that 3 FA rating(s) are green whileYRD’s FA Score has 1 green FA rating(s).

  • FOA’s FA Score: 3 green, 2 red.
  • YRD’s FA Score: 1 green, 4 red.
According to our system of comparison, FOA is a better buy in the long-term than YRD.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FOA’s TA Score shows that 5 TA indicator(s) are bullish while YRD’s TA Score has 4 bullish TA indicator(s).

  • FOA’s TA Score: 5 bullish, 3 bearish.
  • YRD’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, FOA is a better buy in the short-term than YRD.

Price Growth

FOA (@Savings Banks) experienced а -1.11% price change this week, while YRD (@Savings Banks) price change was -11.17% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -3.30%. For the same industry, the average monthly price growth was -5.49%, and the average quarterly price growth was +10.99%.

Reported Earning Dates

YRD is expected to report earnings on Nov 19, 2025.

Industries' Descriptions

@Savings Banks (-3.30% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
YRD($413M) has a higher market cap than FOA($185M). FOA has higher P/E ratio than YRD: FOA (3.17) vs YRD (2.29). YRD YTD gains are higher at: 6.928 vs. FOA (-16.607). YRD has higher revenues than FOA: YRD (6.14B) vs FOA (454M).
FOAYRDFOA / YRD
Capitalization185M413M45%
EBITDAN/A1.31B-
Gain YTD-16.6076.928-240%
P/E Ratio3.172.29138%
Revenue454M6.14B7%
Total CashN/AN/A-
Total Debt29.5BN/A-
FUNDAMENTALS RATINGS
FOA vs YRD: Fundamental Ratings
FOA
YRD
OUTLOOK RATING
1..100
1075
VALUATION
overvalued / fair valued / undervalued
1..100
16
Undervalued
87
Overvalued
PROFIT vs RISK RATING
1..100
8976
SMR RATING
1..100
1956
PRICE GROWTH RATING
1..100
5780
P/E GROWTH RATING
1..100
420
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FOA's Valuation (16) in the null industry is significantly better than the same rating for YRD (87) in the Internet Software Or Services industry. This means that FOA’s stock grew significantly faster than YRD’s over the last 12 months.

YRD's Profit vs Risk Rating (76) in the Internet Software Or Services industry is in the same range as FOA (89) in the null industry. This means that YRD’s stock grew similarly to FOA’s over the last 12 months.

FOA's SMR Rating (19) in the null industry is somewhat better than the same rating for YRD (56) in the Internet Software Or Services industry. This means that FOA’s stock grew somewhat faster than YRD’s over the last 12 months.

FOA's Price Growth Rating (57) in the null industry is in the same range as YRD (80) in the Internet Software Or Services industry. This means that FOA’s stock grew similarly to YRD’s over the last 12 months.

FOA's P/E Growth Rating (4) in the null industry is in the same range as YRD (20) in the Internet Software Or Services industry. This means that FOA’s stock grew similarly to YRD’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FOAYRD
RSI
ODDS (%)
N/A
Bullish Trend 2 days ago
78%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
87%
Bullish Trend 2 days ago
82%
Momentum
ODDS (%)
Bullish Trend 2 days ago
79%
Bearish Trend 2 days ago
85%
MACD
ODDS (%)
Bullish Trend 2 days ago
70%
N/A
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
81%
Bearish Trend 2 days ago
79%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
76%
Bearish Trend 2 days ago
81%
Advances
ODDS (%)
Bullish Trend 9 days ago
74%
Bullish Trend 10 days ago
78%
Declines
ODDS (%)
Bearish Trend 7 days ago
84%
Bearish Trend 2 days ago
78%
BollingerBands
ODDS (%)
Bullish Trend 6 days ago
76%
Bullish Trend 2 days ago
78%
Aroon
ODDS (%)
Bearish Trend 2 days ago
88%
Bearish Trend 2 days ago
87%
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FOA
Daily Signal:
Gain/Loss:
YRD
Daily Signal:
Gain/Loss:
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FOA and

Correlation & Price change

A.I.dvisor indicates that over the last year, FOA has been loosely correlated with YRD. These tickers have moved in lockstep 35% of the time. This A.I.-generated data suggests there is some statistical probability that if FOA jumps, then YRD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FOA
1D Price
Change %
FOA100%
+1.47%
YRD - FOA
35%
Loosely correlated
-1.44%
CACC - FOA
30%
Poorly correlated
+0.05%
PRAA - FOA
29%
Poorly correlated
-0.92%
RM - FOA
27%
Poorly correlated
-0.14%
SLM - FOA
27%
Poorly correlated
+1.14%
More

YRD and

Correlation & Price change

A.I.dvisor indicates that over the last year, YRD has been loosely correlated with FINV. These tickers have moved in lockstep 51% of the time. This A.I.-generated data suggests there is some statistical probability that if YRD jumps, then FINV could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To YRD
1D Price
Change %
YRD100%
-1.44%
FINV - YRD
51%
Loosely correlated
-7.20%
LX - YRD
48%
Loosely correlated
-8.59%
LU - YRD
46%
Loosely correlated
-4.31%
QFIN - YRD
44%
Loosely correlated
-14.14%
XYF - YRD
43%
Loosely correlated
-12.44%
More