YRD vs. ACET

Last updated Jun 4, 2026

YRD (Yiren Digital Ltd.) and ACET (Adicet Bio, Inc.) are both stocks. YRD operates in Credit Services (Financial Services), while ACET operates in Biotechnology (Healthcare). Over the past 5 years, YRD returned -18.44%/yr vs -47.50%/yr for ACET. At a 0.19 correlation, their price movements are largely independent.

Performance

YRD vs. ACET - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Yiren Digital Ltd. (YRD) and Adicet Bio, Inc. (ACET). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, YRD achieves a -65.95% return, which is significantly lower than ACET's -7.01% return.

YRD

• 1D: -6.67%
• 1M: -38.54%
• YTD: -65.95%
• 6M: -72.67%
• 1Y: -79.17%
• 3Y*: -13.97%
• 5Y*: -18.44%
• 10Y*: -21.22%

ACET

• 1D: -3.45%
• 1M: -7.34%
• YTD: -7.01%
• 6M: -8.87%
• 1Y: -37.18%
• 3Y*: -54.94%
• 5Y*: -47.50%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

YRD vs. ACET - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018
YRD Yiren Digital Ltd.	-65.95%	-17.23%	60.01%	127.74%	-52.10%	-14.37%	-39.82%	-48.37%	-75.14%
ACET Adicet Bio, Inc.	-7.01%	-45.30%	-49.10%	-78.86%	-48.89%	24.48%	34.71%	-82.71%	-48.93%

Correlation

The correlation between YRD and ACET is 0.23, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.23
Correlation (3Y) Calculated over the trailing 3-year period	0.16
Correlation (5Y) Calculated over the trailing 5-year period	0.20
Correlation (All Time) Calculated using the full available price history since Jan 29, 2018	0.19

Fundamentals

Market Cap YRD : $54.90M ACET : $84.13M
EPS YRD : $0.72 ACET : -$15.00
PB Ratio YRD : 0.01 ACET : 0.60
Total Revenue (TTM) YRD : $5.73B ACET : $0.00
Gross Profit (TTM) YRD : $4.94B ACET : -$1.47M
EBITDA (TTM) YRD : $233.03M ACET : -$110.77M

Return for Risk

YRD vs. ACET — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

YRD

YRD Risk / Return Rank: 2
YRD Sharpe Ratio Rank: 2
YRD Sortino Ratio Rank: 1
YRD Omega Ratio Rank: 1
YRD Calmar Ratio Rank: 3
YRD Martin Ratio Rank: 2

ACET

ACET Risk / Return Rank: 21
ACET Sharpe Ratio Rank: 19
ACET Sortino Ratio Rank: 22
ACET Omega Ratio Rank: 23
ACET Calmar Ratio Rank: 20
ACET Martin Ratio Rank: 23

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

YRD vs. ACET - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Yiren Digital Ltd. (YRD) and Adicet Bio, Inc. (ACET). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	YRD	ACET	Difference
Sharpe ratio: Return per unit of total volatility	-1.19	-0.50	-0.69
Sortino ratio: Return per unit of downside risk	-2.20	-0.37	-1.83
Omega ratio: Gain probability vs. loss probability	0.65	0.96	-0.31
Calmar ratio: Return relative to maximum drawdown	-0.96	-0.59	-0.37
Martin ratio: Return relative to average drawdown	-1.79	-0.92	-0.87
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

YRD vs. ACET - Sharpe Ratio Comparison

The current YRD Sharpe Ratio is -1.19, which is lower than the ACET Sharpe Ratio of -0.50. The chart below compares the historical Sharpe Ratios of YRD and ACET, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	YRD	ACET	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-1.19	-0.50	-0.69
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.23	-0.53	+0.30
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	-0.28	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.20	-0.51	+0.31

Drawdowns

YRD vs. ACET - Drawdown Comparison

The maximum YRD drawdown since its inception was -98.64%, roughly equal to the maximum ACET drawdown of -99.74%. Use the drawdown chart below to compare losses from any high point for YRD and ACET.

Drawdown Indicators

	YRD	ACET	Difference
Max Drawdown Largest peak-to-trough decline	-98.64%	-99.74%	+1.10%
Max Drawdown (1Y) Largest decline over 1 year	-82.40%	-63.28%	-19.12%
Max Drawdown (3Y) Largest decline over 3 years	-84.29%	-93.31%	+9.02%
Max Drawdown (5Y) Largest decline over 5 years	-89.12%	-98.20%	+9.08%
Max Drawdown (10Y) Largest decline over 10 years	-98.64%	—	—
Current Drawdown Current decline from peak	-97.29%	-99.66%	+2.37%
Average Drawdown Average peak-to-trough decline	-73.74%	-85.32%	+11.58%
Ulcer Index Depth and duration of drawdowns from previous peaks	44.23%	40.50%	+3.73%

Volatility

YRD vs. ACET - Volatility Comparison

Yiren Digital Ltd. (YRD) has a higher volatility of 22.86% compared to Adicet Bio, Inc. (ACET) at 20.67%. This indicates that YRD's price experiences larger fluctuations and is considered to be riskier than ACET based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	YRD	ACET	Difference
Volatility (1M) Calculated over the trailing 1-month period	22.86%	20.67%	+2.19%
Volatility (6M) Calculated over the trailing 6-month period	70.64%	49.61%	+21.03%
Volatility (1Y) Calculated over the trailing 1-year period	66.41%	74.31%	-7.90%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	81.77%	90.77%	-9.00%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	77.30%	93.79%	-16.49%

Dividends

YRD vs. ACET - Dividend Comparison

YRD's dividend yield for the trailing twelve months is around 17.46%, while ACET has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
ACET Adicet Bio, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
YRD Yiren Digital Ltd.	17.46%	11.89%	4.17%	0.00%	0.00%	0.00%	0.00%	0.00%	2.60%	3.37%

Financials

Frequently Asked Questions

Can I hold both YRD and ACET in my portfolio?

YRD and ACET have a correlation of 0.23, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, YRD or ACET?

YRD has higher volatility (22.86%) compared to ACET (20.67%). In terms of maximum drawdown, YRD dropped -98.64% vs ACET's -99.74%.

Which has better risk-adjusted returns?

ACET currently has the higher Sharpe Ratio (-0.50 vs -1.19), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.