PROV vs YRD

Comparison between Provident Financial Holdings Inc (PROV, Company) and Yiren Digital Ltd (YRD, Company).

Both PROV and YRD are from the Financial Services sector.

5-Year PerformancePROV has outperformed YRD, delivering a return of +3.7% compared to -20.9%

PROV vs YRD - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PROV(COMPANY)	YRD(COMPANY)
Market Cap	$109M	$109M
Max Drawdown	92.50%	98.65%
Sharpe Ratio	0.80	-1.23
5Y Beta	0.26	0.90
Industry	Banks - Regional	Credit Services
P/E Ratio	18.24	14.00
Forward P/E	10.17	7.10
Dividend Yield	3.27%	27.20%
5Y Dividends CAGR	4.56%	N/A
5Y EPS CAGR	3.92%	N/A
Debt to Equity	0.00%	0.10%
Free Cash Flow Yield	6.80%	88.77%

Market Cap

PROV

$109M

Winner

YRD

$109M

Max Drawdown

Winner

PROV

92.50%

YRD

98.65%

Sharpe Ratio

Winner

PROV

0.80

YRD

-1.23

5Y Beta

Winner

PROV

0.26

YRD

0.90

Industry

PROV

Banks - Regional

YRD

Credit Services

P/E Ratio

PROV

18.24

Winner

YRD

14.00

Forward P/E

PROV

10.17

Winner

YRD

7.10

Dividend Yield

PROV

3.27%

Winner

YRD

27.20%

5Y Dividends CAGR

PROV

4.56%

YRD

N/A

5Y EPS CAGR

PROV

3.92%

YRD

N/A

Debt to Equity

Winner

PROV

0.00%

YRD

0.10%

Free Cash Flow Yield

PROV

6.80%

Winner

YRD

88.77%

PROV vs YRD - Historical Returns

Returns include dividend reinvestment.

Period	PROV	YRD
1 month	+0.58%	+11.01%
3 months	+1.77%	-41.83%
6 months	+7.37%	-68.57%
1 year	+13.49%	-80.18%
5 years(CAGR)	+3.74%	-20.92%
10 years(CAGR)	+2.48%	-23.88%
Max(CAGR)	+5.20%	-16.19%

PROV

+0.58%

Winner

YRD

+11.01%

Winner

PROV

+1.77%

YRD

-41.83%

Winner

PROV

+7.37%

YRD

-68.57%

Winner

PROV

+13.49%

YRD

-80.18%

5Y(CAGR)

Winner

PROV

+3.74%

YRD

-20.92%

10Y(CAGR)

Winner

PROV

+2.48%

YRD

-23.88%

Max(CAGR)

Winner

PROV

+5.20%

YRD

-16.19%

PROV vs YRD - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PROV	YRD
2026	+9.52%	-68.41%
2025	+2.92%	-18.22%
2024	+29.28%	+38.40%
2023	-5.72%	+106.62%
2022	-15.85%	-51.42%
2021	+11.67%	-12.54%
2020	-25.42%	-46.98%
2019	+38.11%	-48.18%
2018	-13.44%	-77.23%
2017	-5.86%	+113.11%
2016	+12.66%	+131.25%
2015	+28.43%	+3.85%
2014	+3.48%	N/A
2013	-15.56%	N/A
2012	+91.42%	N/A
2011	+34.40%	N/A
2010	+172.36%	N/A
2009	-39.09%	N/A
2008	-71.13%	N/A
2007	-43.47%	N/A
2006	+17.21%	N/A
2005	-6.77%	N/A
2004	+20.94%	N/A
2003	+38.48%	N/A
2002	+53.99%	N/A
2001	+35.06%	N/A
2000	+22.73%	N/A
1999	-11.43%	N/A

PROV vs YRD Drawdown Comparison

The maximum drawdown for PROV was -91.83%, occurring on Dec 22, 2009. This drawdown has not yet recovered.

The maximum drawdown for YRD was -98.64%, occurring on Aug 30, 2022. This drawdown has not yet recovered.

The current PROV drawdown is -8.63%. The current YRD drawdown is -97.41%.

Rank	PROV	YRD
#1	-91.83% Dec 13, 2006 - Dec 22, 2009	-98.64% Oct 18, 2017 - Aug 30, 2022
#2	-30.67% Nov 10, 1999 - Sep 15, 2000	-64.22% Dec 28, 2015 - Mar 28, 2016
#3	-20.25% Feb 14, 2001 - May 15, 2001	-46.32% Aug 18, 2016 - Jul 31, 2017
#4	-17.54% Mar 30, 2005 - Mar 1, 2006	-27.69% Apr 4, 2016 - May 27, 2016
#5	-16.36% Apr 3, 2006 - Dec 12, 2006	-21.02% Jun 8, 2016 - Jul 12, 2016
#6	-15.89% Aug 13, 2001 - Dec 13, 2001	-20.10% Jul 31, 2017 - Aug 11, 2017
#7	-11.96% Mar 31, 2004 - Sep 10, 2004	-17.03% Aug 1, 2016 - Aug 10, 2016
#8	-10.75% Sep 17, 2002 - Oct 21, 2002	-9.94% Jun 2, 2016 - Jun 8, 2016
#9	-10.19% Jul 1, 2002 - Aug 1, 2002	-9.37% Aug 14, 2017 - Sep 1, 2017
#10	-10.15% Sep 29, 2004 - Nov 22, 2004	-8.75% Aug 10, 2016 - Aug 15, 2016
#11	-10.14% Oct 4, 2000 - Dec 7, 2000	-7.37% Sep 19, 2017 - Oct 3, 2017
#12	-10.05% Dec 29, 2003 - Mar 12, 2004	-7.27% Jul 15, 2016 - Jul 20, 2016
#13	-8.65% Apr 10, 2002 - Jun 3, 2002	-5.25% Aug 15, 2016 - Aug 17, 2016
#14	-8.43% Dec 27, 2000 - Feb 14, 2001	-4.99% Sep 1, 2017 - Sep 7, 2017
#15	-6.86% May 13, 2003 - Oct 14, 2003	-4.35% Jul 13, 2016 - Jul 15, 2016

Correlation

Correlation between PROV and YRD is 0.13 which considered as a very weak or no correlation - the stocks move independently of each other.

0.13

-101

Dividend Comparison (2002 - 2026)

PROV vs YRD dividend yield comparison.

Year	PROV	YRD
2026	1.63%	0.00%
2025	3.52%	11.89%
2024	3.52%	4.17%
2023	4.44%	0.00%
2022	4.07%	0.00%
2021	3.39%	0.00%
2020	3.56%	0.00%
2019	2.56%	0.00%
2018	3.61%	2.60%
2017	2.93%	3.37%
2016	2.47%	0.00%
2015	2.49%	0.00%
2014	2.78%	0.00%
2013	2.27%	0.00%
2012	1.03%	0.00%
2011	0.86%	0.00%
2010	0.55%	0.00%
2009	2.90%	0.00%
2008	8.41%	0.00%
2007	4.37%	0.00%
2006	2.07%	0.00%
2005	2.13%	0.00%
2004	1.41%	0.00%
2003	0.83%	0.00%
2002	0.38%	0.00%