YRD vs VRA

Comparison between Yiren Digital Ltd (YRD, Company) and Vera Bradley Inc (VRA, Company).

YRD is from the Financial Services sector, while VRA is from the Consumer Cyclical sector.

5-Year PerformanceVRA has outperformed YRD, delivering a return of -19.5% compared to -20.9%

YRD vs VRA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	YRD(COMPANY)	VRA(COMPANY)
Market Cap	$109M	$109M
Max Drawdown	98.65%	96.69%
Sharpe Ratio	-1.23	1.09
5Y Beta	0.90	1.34
Industry	Credit Services	Footwear & Accessories
P/E Ratio	14.00	3.43
Forward P/E	7.10	69.44
Dividend Yield	27.20%	N/A
5Y EPS CAGR	N/A	11.33%
Debt to Equity	0.10%	0.00%
Free Cash Flow Yield	88.77%	0.85%

Market Cap

YRD

$109M

Winner

VRA

$109M

Max Drawdown

YRD

98.65%

Winner

VRA

96.69%

Sharpe Ratio

YRD

-1.23

Winner

VRA

1.09

5Y Beta

Winner

YRD

0.90

VRA

1.34

Industry

YRD

Credit Services

VRA

Footwear & Accessories

P/E Ratio

YRD

14.00

Winner

VRA

3.43

Forward P/E

Winner

YRD

7.10

VRA

69.44

Dividend Yield

YRD

27.20%

VRA

N/A

5Y EPS CAGR

YRD

N/A

VRA

11.33%

Debt to Equity

YRD

0.10%

Winner

VRA

0.00%

Free Cash Flow Yield

Winner

YRD

88.77%

VRA

0.85%

YRD vs VRA - Historical Returns

Returns include dividend reinvestment.

Period	YRD	VRA
1 month	+11.01%	-4.17%
3 months	-41.83%	-7.77%
6 months	-68.57%	+47.20%
1 year	-80.18%	+53.33%
5 years(CAGR)	-20.92%	-19.51%
10 years(CAGR)	-23.88%	-12.50%
Max(CAGR)	-16.19%	-11.42%

Winner

YRD

+11.01%

VRA

-4.17%

YRD

-41.83%

Winner

VRA

-7.77%

YRD

-68.57%

Winner

VRA

+47.20%

YRD

-80.18%

Winner

VRA

+53.33%

5Y(CAGR)

YRD

-20.92%

Winner

VRA

-19.51%

10Y(CAGR)

YRD

-23.88%

Winner

VRA

-12.50%

Max(CAGR)

YRD

-16.19%

Winner

VRA

-11.42%

YRD vs VRA - Annual Returns (2010 - 2026)

Returns include dividend reinvestment.

Year	YRD	VRA
2026	-68.41%	+42.64%
2025	-18.22%	-35.12%
2024	+38.40%	-47.53%
2023	+106.62%	+61.76%
2022	-51.42%	-47.26%
2021	-12.54%	+10.66%
2020	-46.98%	-32.49%
2019	-48.18%	+34.09%
2018	-77.23%	-31.88%
2017	+113.11%	+0.58%
2016	+131.25%	-27.25%
2015	+3.85%	-20.60%
2014	N/A	-15.12%
2013	N/A	+0.21%
2012	N/A	-22.55%
2011	N/A	-6.49%
2010	N/A	+32.80%

YRD vs VRA 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 VRA was -96.69%, occurring on May 6, 2025. This drawdown has not yet recovered.

The current YRD drawdown is -97.41%. The current VRA drawdown is -92.96%.

Rank	YRD	VRA
#1	-98.64% Oct 18, 2017 - Aug 30, 2022	-96.69% May 19, 2011 - May 6, 2025
#2	-64.22% Dec 28, 2015 - Mar 28, 2016	-18.51% Dec 21, 2010 - Mar 23, 2011
#3	-46.32% Aug 18, 2016 - Jul 31, 2017	-10.14% Nov 9, 2010 - Nov 30, 2010
#4	-27.69% Apr 4, 2016 - May 27, 2016	-5.10% Apr 28, 2011 - May 9, 2011
#5	-21.02% Jun 8, 2016 - Jul 12, 2016	-4.97% Oct 27, 2010 - Nov 5, 2010
#6	-20.10% Jul 31, 2017 - Aug 11, 2017	-3.70% Mar 30, 2011 - Apr 4, 2011
#7	-17.03% Aug 1, 2016 - Aug 10, 2016	-3.16% Apr 13, 2011 - Apr 20, 2011
#8	-9.94% Jun 2, 2016 - Jun 8, 2016	-2.54% May 13, 2011 - May 18, 2011
#9	-9.37% Aug 14, 2017 - Sep 1, 2017	-2.21% Apr 5, 2011 - Apr 13, 2011
#10	-8.75% Aug 10, 2016 - Aug 15, 2016	-1.91% Mar 23, 2011 - Mar 29, 2011
#11	-7.37% Sep 19, 2017 - Oct 3, 2017	-1.35% Dec 6, 2010 - Dec 10, 2010
#12	-7.27% Jul 15, 2016 - Jul 20, 2016	-0.76% Dec 13, 2010 - Dec 16, 2010
#13	-5.25% Aug 15, 2016 - Aug 17, 2016	-0.51% May 10, 2011 - May 13, 2011
#14	-4.99% Sep 1, 2017 - Sep 7, 2017	N/A
#15	-4.35% Jul 13, 2016 - Jul 15, 2016	N/A