YRD vs PROV

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

Both YRD and PROV are from the Financial Services sector.

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

YRD vs PROV - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

YRD

$109M

PROV

$109M

Max Drawdown

YRD

98.65%

Winner

PROV

92.50%

Sharpe Ratio

YRD

-1.23

Winner

PROV

0.80

5Y Beta

YRD

0.90

Winner

PROV

0.26

Industry

YRD

Credit Services

PROV

Banks - Regional

P/E Ratio

Winner

YRD

14.00

PROV

18.24

Forward P/E

Winner

YRD

7.10

PROV

10.17

Dividend Yield

Winner

YRD

27.20%

PROV

3.27%

5Y Dividends CAGR

YRD

N/A

PROV

4.56%

5Y EPS CAGR

YRD

N/A

PROV

3.92%

Debt to Equity

YRD

0.10%

Winner

PROV

0.00%

Free Cash Flow Yield

Winner

YRD

88.77%

PROV

6.80%

YRD vs PROV - Historical Returns

Returns include dividend reinvestment.

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

Winner

YRD

+11.01%

PROV

+0.58%

YRD

-41.83%

Winner

PROV

+1.77%

YRD

-68.57%

Winner

PROV

+7.37%

YRD

-80.18%

Winner

PROV

+13.49%

5Y(CAGR)

YRD

-20.92%

Winner

PROV

+3.74%

10Y(CAGR)

YRD

-23.88%

Winner

PROV

+2.48%

Max(CAGR)

YRD

-16.19%

Winner

PROV

+5.20%

YRD vs PROV - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

YRD vs PROV Drawdown Comparison

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

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

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

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

Correlation

Correlation between YRD and PROV 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)

YRD vs PROV dividend yield comparison.

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