QFIN
Price
$31.82
Change
+$0.37 (+1.18%)
Updated
Aug 25, 11:39 AM (EDT)
Capitalization
4.09B
86 days until earnings call
YRD
Price
$6.19
Change
+$0.03 (+0.49%)
Updated
Aug 25, 11:41 AM (EDT)
Capitalization
532.26M
86 days until earnings call
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QFIN vs YRD

Header iconQFIN vs YRD Comparison
Open Charts QFIN vs YRDBanner chart's image
Qfin Holdings
Price$31.82
Change+$0.37 (+1.18%)
Volume$3.41K
Capitalization4.09B
Yiren Digital
Price$6.19
Change+$0.03 (+0.49%)
Volume$1.85K
Capitalization532.26M
QFIN vs YRD Comparison Chart in %
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QFIN
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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QFIN vs. YRD commentary
Aug 25, 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 QFIN is a StrongBuy and YRD is a Buy.

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COMPARISON
Comparison
Aug 25, 2025
Stock price -- (QFIN: $31.45 vs. YRD: $6.16)
Brand notoriety: QFIN and YRD are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: QFIN: 87% vs. YRD: 199%
Market capitalization -- QFIN: $4.09B vs. YRD: $532.26M
QFIN [@Savings Banks] is valued at $4.09B. YRD’s [@Savings Banks] market capitalization is $532.26M. The market cap for tickers in the [@Savings Banks] industry ranges from $679.41B 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).

QFIN’s FA Score shows that 2 FA rating(s) are green whileYRD’s FA Score has 1 green FA rating(s).

  • QFIN’s FA Score: 2 green, 3 red.
  • YRD’s FA Score: 1 green, 4 red.
According to our system of comparison, QFIN 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.

QFIN’s TA Score shows that 5 TA indicator(s) are bullish while YRD’s TA Score has 7 bullish TA indicator(s).

  • QFIN’s TA Score: 5 bullish, 4 bearish.
  • YRD’s TA Score: 7 bullish, 2 bearish.
According to our system of comparison, YRD is a better buy in the short-term than QFIN.

Price Growth

QFIN (@Savings Banks) experienced а -1.56% price change this week, while YRD (@Savings Banks) price change was +4.58% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +2.10%. For the same industry, the average monthly price growth was +2.38%, and the average quarterly price growth was +17.46%.

Reported Earning Dates

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

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

Industries' Descriptions

@Savings Banks (+2.10% 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
QFIN($4.09B) has a higher market cap than YRD($532M). QFIN has higher P/E ratio than YRD: QFIN (4.49) vs YRD (2.97). YRD YTD gains are higher at: 32.738 vs. QFIN (-16.516). YRD has less debt than QFIN: YRD (37.8M) vs QFIN (6.32B). QFIN has higher revenues than YRD: QFIN (15.7B) vs YRD (5.98B).
QFINYRDQFIN / YRD
Capitalization4.09B532M769%
EBITDAN/A1.38B-
Gain YTD-16.51632.738-50%
P/E Ratio4.492.97151%
Revenue15.7B5.98B262%
Total CashN/A4.04B-
Total Debt6.32B37.8M16,722%
FUNDAMENTALS RATINGS
QFIN vs YRD: Fundamental Ratings
QFIN
YRD
OUTLOOK RATING
1..100
417
VALUATION
overvalued / fair valued / undervalued
1..100
12
Undervalued
88
Overvalued
PROFIT vs RISK RATING
1..100
5664
SMR RATING
1..100
653
PRICE GROWTH RATING
1..100
6557
P/E GROWTH RATING
1..100
8310
SEASONALITY SCORE
1..100
50n/a

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.

QFIN's Valuation (12) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for YRD (88) in the Internet Software Or Services industry. This means that QFIN’s stock grew significantly faster than YRD’s over the last 12 months.

QFIN's Profit vs Risk Rating (56) in the Finance Or Rental Or Leasing industry is in the same range as YRD (64) in the Internet Software Or Services industry. This means that QFIN’s stock grew similarly to YRD’s over the last 12 months.

QFIN's SMR Rating (6) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for YRD (53) in the Internet Software Or Services industry. This means that QFIN’s stock grew somewhat faster than YRD’s over the last 12 months.

YRD's Price Growth Rating (57) in the Internet Software Or Services industry is in the same range as QFIN (65) in the Finance Or Rental Or Leasing industry. This means that YRD’s stock grew similarly to QFIN’s over the last 12 months.

YRD's P/E Growth Rating (10) in the Internet Software Or Services industry is significantly better than the same rating for QFIN (83) in the Finance Or Rental Or Leasing industry. This means that YRD’s stock grew significantly faster than QFIN’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
QFINYRD
RSI
ODDS (%)
Bullish Trend 4 days ago
90%
Bullish Trend 4 days ago
76%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
84%
Bearish Trend 4 days ago
86%
Momentum
ODDS (%)
Bearish Trend 4 days ago
81%
Bullish Trend 4 days ago
76%
MACD
ODDS (%)
Bullish Trend 4 days ago
83%
Bullish Trend 4 days ago
70%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
79%
Bullish Trend 4 days ago
78%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
80%
Bearish Trend 4 days ago
83%
Advances
ODDS (%)
Bullish Trend 4 days ago
83%
Bullish Trend 4 days ago
80%
Declines
ODDS (%)
Bearish Trend 8 days ago
76%
Bearish Trend 6 days ago
79%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
90%
Bullish Trend 4 days ago
74%
Aroon
ODDS (%)
Bearish Trend 4 days ago
76%
Bullish Trend 4 days ago
87%
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QFIN
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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QFIN and

Correlation & Price change

A.I.dvisor indicates that over the last year, QFIN has been loosely correlated with FINV. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if QFIN jumps, then FINV could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To QFIN
1D Price
Change %
QFIN100%
+2.54%
FINV - QFIN
63%
Loosely correlated
+3.29%
LX - QFIN
59%
Loosely correlated
+2.90%
LU - QFIN
48%
Loosely correlated
+5.86%
XYF - QFIN
45%
Loosely correlated
+6.29%
YRD - QFIN
44%
Loosely correlated
+1.99%
More

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%
+1.99%
LX - YRD
56%
Loosely correlated
+2.90%
FINV - YRD
52%
Loosely correlated
+3.29%
LU - YRD
47%
Loosely correlated
+5.86%
QFIN - YRD
46%
Loosely correlated
+2.54%
XYF - YRD
43%
Loosely correlated
+6.29%
More