LX
Price
$5.15
Change
+$0.11 (+2.18%)
Updated
Oct 8 closing price
Capitalization
848.05M
54 days until earnings call
YRD
Price
$6.51
Change
+$0.13 (+2.04%)
Updated
Oct 8 closing price
Capitalization
562.51M
41 days until earnings call
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LX vs YRD

Header iconLX vs YRD Comparison
Open Charts LX vs YRDBanner chart's image
LexinFintech Holdings
Price$5.15
Change+$0.11 (+2.18%)
Volume$1.96M
Capitalization848.05M
Yiren Digital
Price$6.51
Change+$0.13 (+2.04%)
Volume$51.26K
Capitalization562.51M
LX vs YRD Comparison Chart in %
LX
Daily Signalchanged days ago
Gain/Loss if bought
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YRD
Daily Signalchanged days ago
Gain/Loss if bought
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LX vs. YRD commentary
Oct 09, 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 LX is a Hold and YRD is a StrongBuy.

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COMPARISON
Comparison
Oct 09, 2025
Stock price -- (LX: $5.15 vs. YRD: $6.51)
Brand notoriety: LX: Notable vs. YRD: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: LX: 63% vs. YRD: 58%
Market capitalization -- LX: $848.05M vs. YRD: $562.51M
LX [@Savings Banks] is valued at $848.05M. YRD’s [@Savings Banks] market capitalization is $562.51M. The market cap for tickers in the [@Savings Banks] industry ranges from $681.97B to $0. The average market capitalization across the [@Savings Banks] industry is $22.16B.

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).

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

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

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.

LX’s TA Score shows that 4 TA indicator(s) are bullish while YRD’s TA Score has 6 bullish TA indicator(s).

  • LX’s TA Score: 4 bullish, 4 bearish.
  • YRD’s TA Score: 6 bullish, 5 bearish.
According to our system of comparison, YRD is a better buy in the short-term than LX.

Price Growth

LX (@Savings Banks) experienced а -5.85% price change this week, while YRD (@Savings Banks) price change was +2.84% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.63%. For the same industry, the average monthly price growth was -0.10%, and the average quarterly price growth was +49.96%.

Reported Earning Dates

LX is expected to report earnings on Dec 02, 2025.

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

Industries' Descriptions

@Savings Banks (+0.63% 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
LX($848M) has a higher market cap than YRD($563M). LX has higher P/E ratio than YRD: LX (3.93) vs YRD (3.12). YRD YTD gains are higher at: 45.629 vs. LX (-7.037). YRD has higher annual earnings (EBITDA): 1.31B vs. LX (1.09B). LX has higher revenues than YRD: LX (14B) vs YRD (6.14B).
LXYRDLX / YRD
Capitalization848M563M151%
EBITDA1.09B1.31B84%
Gain YTD-7.03745.629-15%
P/E Ratio3.933.12126%
Revenue14B6.14B228%
Total Cash2.08BN/A-
Total Debt4.88BN/A-
FUNDAMENTALS RATINGS
LX vs YRD: Fundamental Ratings
LX
YRD
OUTLOOK RATING
1..100
7020
VALUATION
overvalued / fair valued / undervalued
1..100
7
Undervalued
89
Overvalued
PROFIT vs RISK RATING
1..100
10054
SMR RATING
1..100
5457
PRICE GROWTH RATING
1..100
6447
P/E GROWTH RATING
1..100
7011
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.

LX's Valuation (7) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for YRD (89) in the Internet Software Or Services industry. This means that LX’s stock grew significantly faster than YRD’s over the last 12 months.

YRD's Profit vs Risk Rating (54) in the Internet Software Or Services industry is somewhat better than the same rating for LX (100) in the Finance Or Rental Or Leasing industry. This means that YRD’s stock grew somewhat faster than LX’s over the last 12 months.

LX's SMR Rating (54) in the Finance Or Rental Or Leasing industry is in the same range as YRD (57) in the Internet Software Or Services industry. This means that LX’s stock grew similarly to YRD’s over the last 12 months.

YRD's Price Growth Rating (47) in the Internet Software Or Services industry is in the same range as LX (64) in the Finance Or Rental Or Leasing industry. This means that YRD’s stock grew similarly to LX’s over the last 12 months.

YRD's P/E Growth Rating (11) in the Internet Software Or Services industry is somewhat better than the same rating for LX (70) in the Finance Or Rental Or Leasing industry. This means that YRD’s stock grew somewhat faster than LX’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LXYRD
RSI
ODDS (%)
Bullish Trend 1 day ago
87%
Bearish Trend 1 day ago
90%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
83%
Bearish Trend 1 day ago
89%
Momentum
ODDS (%)
Bearish Trend 6 days ago
83%
Bullish Trend 1 day ago
75%
MACD
ODDS (%)
Bearish Trend 1 day ago
80%
Bullish Trend 1 day ago
79%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
82%
Bullish Trend 1 day ago
77%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
84%
Bullish Trend 1 day ago
78%
Advances
ODDS (%)
Bullish Trend 7 days ago
80%
Bullish Trend 7 days ago
79%
Declines
ODDS (%)
Bearish Trend 9 days ago
83%
Bearish Trend 15 days ago
79%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
82%
Bearish Trend 1 day ago
90%
Aroon
ODDS (%)
Bearish Trend 1 day ago
86%
Bullish Trend 1 day ago
86%
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LX
Daily Signalchanged days ago
Gain/Loss if bought
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YRD
Daily Signalchanged days ago
Gain/Loss if bought
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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.

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Ticker /
NAME
Correlation
To YRD
1D Price
Change %
YRD100%
+2.04%
FINV - YRD
51%
Loosely correlated
+0.99%
LU - YRD
50%
Loosely correlated
+3.10%
LX - YRD
50%
Loosely correlated
+2.18%
QFIN - YRD
47%
Loosely correlated
+0.92%
XYF - YRD
40%
Loosely correlated
+2.60%
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