XYF
Price
$15.75
Change
+$0.19 (+1.22%)
Updated
Sep 3 closing price
Capitalization
643.91M
YRD
Price
$5.90
Change
+$0.02 (+0.34%)
Updated
Sep 3 closing price
Capitalization
509.8M
76 days until earnings call
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XYF vs YRD

Header iconXYF vs YRD Comparison
Open Charts XYF vs YRDBanner chart's image
X Financial
Price$15.75
Change+$0.19 (+1.22%)
Volume$204.39K
Capitalization643.91M
Yiren Digital
Price$5.90
Change+$0.02 (+0.34%)
Volume$70.58K
Capitalization509.8M
XYF vs YRD Comparison Chart in %
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XYF
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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XYF vs. YRD commentary
Sep 04, 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 XYF is a StrongBuy and YRD is a Hold.

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COMPARISON
Comparison
Sep 04, 2025
Stock price -- (XYF: $15.75 vs. YRD: $5.90)
Brand notoriety: XYF and YRD are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: XYF: 44% vs. YRD: 86%
Market capitalization -- XYF: $643.91M vs. YRD: $509.8M
XYF [@Savings Banks] is valued at $643.91M. YRD’s [@Savings Banks] market capitalization is $509.8M. The market cap for tickers in the [@Savings Banks] industry ranges from $681.02B to $0. The average market capitalization across the [@Savings Banks] industry is $22.4B.

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).

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

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

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

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

Price Growth

XYF (@Savings Banks) experienced а +5.14% price change this week, while YRD (@Savings Banks) price change was +0.17% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.47%. For the same industry, the average monthly price growth was +4.37%, and the average quarterly price growth was +29.45%.

Reported Earning Dates

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

Industries' Descriptions

@Savings Banks (-0.47% 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
XYF($644M) has a higher market cap than YRD($510M). XYF (2.92) and YRD (2.83) have similar P/E ratio . XYF YTD gains are higher at: 91.845 vs. YRD (27.135).
XYFYRDXYF / YRD
Capitalization644M510M126%
EBITDAN/AN/A-
Gain YTD91.84527.135338%
P/E Ratio2.922.83103%
RevenueN/AN/A-
Total CashN/AN/A-
Total DebtN/AN/A-
FUNDAMENTALS RATINGS
XYF vs YRD: Fundamental Ratings
XYF
YRD
OUTLOOK RATING
1..100
678
VALUATION
overvalued / fair valued / undervalued
1..100
13
Undervalued
89
Overvalued
PROFIT vs RISK RATING
1..100
4367
SMR RATING
1..100
9842
PRICE GROWTH RATING
1..100
3858
P/E GROWTH RATING
1..100
89
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.

XYF's Valuation (13) 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 XYF’s stock grew significantly faster than YRD’s over the last 12 months.

XYF's Profit vs Risk Rating (43) in the Finance Or Rental Or Leasing industry is in the same range as YRD (67) in the Internet Software Or Services industry. This means that XYF’s stock grew similarly to YRD’s over the last 12 months.

YRD's SMR Rating (42) in the Internet Software Or Services industry is somewhat better than the same rating for XYF (98) in the Finance Or Rental Or Leasing industry. This means that YRD’s stock grew somewhat faster than XYF’s over the last 12 months.

XYF's Price Growth Rating (38) in the Finance Or Rental Or Leasing industry is in the same range as YRD (58) in the Internet Software Or Services industry. This means that XYF’s stock grew similarly to YRD’s over the last 12 months.

XYF's P/E Growth Rating (8) in the Finance Or Rental Or Leasing industry is in the same range as YRD (9) in the Internet Software Or Services industry. This means that XYF’s stock grew similarly to YRD’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
XYFYRD
RSI
ODDS (%)
Bullish Trend 1 day ago
90%
Bullish Trend 28 days ago
76%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
82%
Bullish Trend 1 day ago
76%
Momentum
ODDS (%)
Bullish Trend 1 day ago
87%
Bearish Trend 1 day ago
80%
MACD
ODDS (%)
Bullish Trend 1 day ago
78%
Bearish Trend 1 day ago
80%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
81%
Bearish Trend 1 day ago
80%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
81%
Bearish Trend 1 day ago
83%
Advances
ODDS (%)
Bullish Trend 1 day ago
83%
Bullish Trend 1 day ago
79%
Declines
ODDS (%)
Bearish Trend 8 days ago
74%
Bearish Trend 7 days ago
79%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
80%
N/A
Aroon
ODDS (%)
Bearish Trend 1 day ago
80%
Bullish Trend 1 day ago
76%
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XYF
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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XYF and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To XYF
1D Price
Change %
XYF100%
+1.22%
LX - XYF
51%
Loosely correlated
-3.66%
QFIN - XYF
49%
Loosely correlated
-1.55%
YRD - XYF
44%
Loosely correlated
+0.34%
FINV - XYF
38%
Loosely correlated
-2.19%
AER - XYF
32%
Poorly correlated
-0.11%
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 55% 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%
+0.34%
LX - YRD
55%
Loosely correlated
-3.66%
FINV - YRD
51%
Loosely correlated
-2.19%
LU - YRD
47%
Loosely correlated
-0.32%
QFIN - YRD
47%
Loosely correlated
-1.55%
XYF - YRD
44%
Loosely correlated
+1.22%
More