QD
Price
$4.10
Change
-$0.05 (-1.20%)
Updated
Aug 12 closing price
Capitalization
677.02M
22 days until earnings call
YRD
Price
$5.84
Change
+$0.16 (+2.82%)
Updated
Aug 12 closing price
Capitalization
504.61M
One day until earnings call
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QD vs YRD

Header iconQD vs YRD Comparison
Open Charts QD vs YRDBanner chart's image
Qudian
Price$4.10
Change-$0.05 (-1.20%)
Volume$95.04K
Capitalization677.02M
Yiren Digital
Price$5.84
Change+$0.16 (+2.82%)
Volume$92.22K
Capitalization504.61M
QD vs YRD Comparison Chart in %
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QD
Daily Signalchanged days ago
Gain/Loss if bought
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YRD
Daily Signalchanged days ago
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VS
QD vs. YRD commentary
Aug 13, 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 QD is a StrongBuy and YRD is a Hold.

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COMPARISON
Comparison
Aug 13, 2025
Stock price -- (QD: $4.10 vs. YRD: $5.84)
Brand notoriety: QD: Notable vs. YRD: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: QD: 18% vs. YRD: 71%
Market capitalization -- QD: $677.02M vs. YRD: $504.61M
QD [@Savings Banks] is valued at $677.02M. YRD’s [@Savings Banks] market capitalization is $504.61M. The market cap for tickers in the [@Savings Banks] industry ranges from $653.59B to $0. The average market capitalization across the [@Savings Banks] industry is $21.32B.

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).

QD’s FA Score shows that 0 FA rating(s) are green whileYRD’s FA Score has 1 green FA rating(s).

  • QD’s FA Score: 0 green, 5 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 QD.

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.

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

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

Price Growth

QD (@Savings Banks) experienced а +3.54% price change this week, while YRD (@Savings Banks) price change was +1.57% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +3.06%. For the same industry, the average monthly price growth was +2.82%, and the average quarterly price growth was +19.71%.

Reported Earning Dates

QD is expected to report earnings on Sep 04, 2025.

YRD is expected to report earnings on Aug 14, 2025.

Industries' Descriptions

@Savings Banks (+3.06% 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
QD($677M) has a higher market cap than YRD($505M). QD has higher P/E ratio than YRD: QD (16.92) vs YRD (2.72). QD YTD gains are higher at: 45.390 vs. YRD (25.842). YRD has higher annual earnings (EBITDA): 1.38B vs. QD (167M). QD has more cash in the bank: 8.46B vs. YRD (4.04B). YRD has less debt than QD: YRD (37.8M) vs QD (754M). YRD has higher revenues than QD: YRD (5.98B) vs QD (186M).
QDYRDQD / YRD
Capitalization677M505M134%
EBITDA167M1.38B12%
Gain YTD45.39025.842176%
P/E Ratio16.922.72623%
Revenue186M5.98B3%
Total Cash8.46B4.04B209%
Total Debt754M37.8M1,995%
FUNDAMENTALS RATINGS
QD vs YRD: Fundamental Ratings
QD
YRD
OUTLOOK RATING
1..100
234
VALUATION
overvalued / fair valued / undervalued
1..100
77
Overvalued
88
Overvalued
PROFIT vs RISK RATING
1..100
5568
SMR RATING
1..100
8855
PRICE GROWTH RATING
1..100
3759
P/E GROWTH RATING
1..100
979
SEASONALITY SCORE
1..100
5036

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.

QD's Valuation (77) in the Internet Software Or Services industry is in the same range as YRD (88). This means that QD’s stock grew similarly to YRD’s over the last 12 months.

QD's Profit vs Risk Rating (55) in the Internet Software Or Services industry is in the same range as YRD (68). This means that QD’s stock grew similarly to YRD’s over the last 12 months.

YRD's SMR Rating (55) in the Internet Software Or Services industry is somewhat better than the same rating for QD (88). This means that YRD’s stock grew somewhat faster than QD’s over the last 12 months.

QD's Price Growth Rating (37) in the Internet Software Or Services industry is in the same range as YRD (59). This means that QD’s stock grew similarly to YRD’s over the last 12 months.

YRD's P/E Growth Rating (9) in the Internet Software Or Services industry is significantly better than the same rating for QD (97). This means that YRD’s stock grew significantly faster than QD’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
QDYRD
RSI
ODDS (%)
Bearish Trend 1 day ago
72%
Bullish Trend 1 day ago
88%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
82%
Bullish Trend 1 day ago
78%
Momentum
ODDS (%)
Bullish Trend 1 day ago
77%
Bearish Trend 1 day ago
85%
MACD
ODDS (%)
Bullish Trend 1 day ago
82%
Bearish Trend 1 day ago
84%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
80%
Bullish Trend 1 day ago
77%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
81%
Bearish Trend 1 day ago
82%
Advances
ODDS (%)
Bullish Trend 5 days ago
76%
Bullish Trend 1 day ago
79%
Declines
ODDS (%)
Bearish Trend 1 day ago
79%
Bearish Trend 5 days ago
78%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
76%
Bullish Trend 1 day ago
84%
Aroon
ODDS (%)
Bullish Trend 1 day ago
83%
Bullish Trend 1 day ago
88%
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QD
Daily Signalchanged days ago
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YRD
Daily Signalchanged days ago
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YRD and

Correlation & Price change

A.I.dvisor indicates that over the last year, YRD has been loosely correlated with LX. These tickers have moved in lockstep 56% of the time. This A.I.-generated data suggests there is some statistical probability that if YRD jumps, then LX could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To YRD
1D Price
Change %
YRD100%
+2.82%
LX - YRD
56%
Loosely correlated
+1.32%
FINV - YRD
52%
Loosely correlated
+1.67%
LU - YRD
48%
Loosely correlated
+1.08%
QFIN - YRD
44%
Loosely correlated
+5.38%
XYF - YRD
44%
Loosely correlated
+3.15%
More