Yiren Digital (NYSE:YRD) and AMTD Digital (NYSE:HKD) Financial Review

AMTD Digital (NYSE:HKD) and Yiren Digital (NYSE:YRD) are both small-cap business services companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, earnings, valuation, dividends, risk, profitability and institutional ownership.

Analyst Recommendations

This is a summary of recent recommendations and price targets for AMTD Digital and Yiren Digital, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AMTD Digital	0	0	0	0	N/A
Yiren Digital	0	0	0	0	N/A

Institutional and Insider Ownership

5.8% of AMTD Digital shares are owned by institutional investors. Comparatively, 2.0% of Yiren Digital shares are owned by institutional investors. 42.2% of Yiren Digital shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Risk & Volatility

AMTD Digital has a beta of 2.24, suggesting that its stock price is 124% more volatile than the S&P 500. Comparatively, Yiren Digital has a beta of 0.66, suggesting that its stock price is 34% less volatile than the S&P 500.

Earnings & Valuation

This table compares AMTD Digital and Yiren Digital’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AMTD Digital	$33.07 million	21.36	$41.74 million	N/A	N/A
Yiren Digital	$689.53 million	0.60	$292.99 million	$3.26	1.46

Yiren Digital has higher revenue and earnings than AMTD Digital.

Profitability

This table compares AMTD Digital and Yiren Digital’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
AMTD Digital	N/A	N/A	N/A
Yiren Digital	42.51%	28.62%	22.10%

Summary

Yiren Digital beats AMTD Digital on 6 of the 9 factors compared between the two stocks.

About AMTD Digital

AMTD Digital Inc., through its subsidiaries, designs and develops a digital platform to provide financial, media, content and marketing, and investment solutions in Asia. The company operates through Digital Solutions ServicesFinancial Services, Digital Solutions ServicesNon Financial Services, Digital Media, Content, and Marketing Services, and Digital Investments segments. It offers deposit, personal loan, credit card, fund transfer, cross border remittance, insurance, and other payment services. In addition, the company operates SpiderNet ecosystem, a platform to enhance their investor communication, investor relations, and corporate communication to enhance their valuation. Further, it offers movies, podcasts, webinars, and videos through online media platforms. Additionally, the company invests in hotel related activities. AMTD Digital Inc. was incorporated in 2019 and is based in Paris, France. AMTD Digital Inc. operates as a subsidiary of AMTD IDEA Group.

About Yiren Digital

Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.