COMP <GO>
YRD vs CNF // NET PROFIT MARGIN
Yiren Digital Ltd. each representing two (NYSE) VS. CNFinance Holdings Limited each representing two hundred (200) (NYSE) • 15-METRIC TALLY: YRD 1
— CNF 1
■ METRIC PARITY
LAST: $0.42 (-11.81%) • MKT CAP: $36.3M
net-margins
1.00%
LAST: $1.95 (0.00%) • MKT CAP: $34.7M
net-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (YRD VS. CNF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | YRD | CNF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -35.00% | — | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | -60.00% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 1.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | — | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 30.7 | 52.1 | -21.40 | CNF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 4.9x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $36.3M | $34.7M | $1.6M | YRD | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | YRD REV | CNF REV | YRD GROSS % | CNF GROSS % | YRD FCF | CNF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $817.8M | — | — | — | $96.9M | — |
| FY 2024 | $747.0M | — | — | — | $193.8M | — |
| FY 2023 | $1.32B | — | — | — | $305.8M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
YRD // BETA —
CNF // BETA —