Lufax Holding vs Yiren Digital
Lufax Holding and Yiren Digital are similar in size: $778m and $796m of revenue in their latest fiscal years. Yiren Digital grew faster (-1.4% against -31.4%). Yiren Digital kept more of each dollar of sales as profit: a net margin of 1.0% against -37.5%.
| Latest fiscal year | Lufax HoldingLU, 2025 | Yiren DigitalYRD, 2025 |
|---|---|---|
| Revenue | $778m | $796m |
| Revenue growth | -31.4% | -1.4% |
| Net income | −$292m | $7.6m |
| Operating margin | — | — |
| Net margin | -37.5% | 1.0% |
| Return on equity | -2.6% | 0.6% |
| Free cash flow | — | $94.3m |
| Cash | $1.59bn | $479m |
| Total debt | $9.09bn | $1.3m |
| Debt to equity | 79.6% | — |
| Dividend per share | — | — |
| Dividend yield | 0.0% | 105.4% |
| Share buybacks | — | $31,030 |
| Employees | — | — |
| Market value | $7.09bn | $32.7m |
| Price vs our value range | — | — |
| Moat score | — | — |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |