Contrasting BTC Digital (NASDAQ:BTCT) & Yiren Digital (NYSE:YRD)

BTC Digital (NASDAQ:BTCT) and Yiren Digital (NYSE:YRD) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, valuation, dividends, earnings, analyst recommendations, institutional ownership and risk.

Volatility & Risk

BTC Digital has a beta of -0.08, indicating that its share price is 108% less volatile than the S&P 500. Comparatively, Yiren Digital has a beta of 0.72, indicating that its share price is 28% less volatile than the S&P 500.

Institutional & Insider Ownership

7.3% of BTC Digital shares are held by institutional investors. Comparatively, 2.0% of Yiren Digital shares are held by institutional investors. 6.8% of BTC Digital shares are held by company insiders. Comparatively, 42.2% of Yiren Digital shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Earnings & Valuation

This table compares BTC Digital and Yiren Digital’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BTC Digital	$10.82 million	0.29	-$2.82 million	N/A	N/A
Yiren Digital	$689.53 million	0.56	$292.99 million	$3.33	1.33

Yiren Digital has higher revenue and earnings than BTC Digital.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
BTC Digital	N/A	N/A	N/A
Yiren Digital	40.47%	27.42%	21.39%

Analyst Recommendations

This is a breakdown of current recommendations for BTC Digital and Yiren Digital, as provided by MarketBeat.

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

Summary

Yiren Digital beats BTC Digital on 8 of the 9 factors compared between the two stocks.

About BTC Digital

BTC Digital Ltd. a crypto asset technology company engages in bitcoin mining business. It is also involved in mining machines resale and rental business. The company was formerly known as Meten Holding Group Ltd. and changed its name to BTC Digital Ltd. in August 2023. The company was founded in 2006 and is headquartered in Shenzhen, China.

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.