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YRD vs. SMCI
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Correlation

The correlation between YRD and SMCI is 0.28, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

YRD vs. SMCI

Last updated Jun 1, 2025

Compare and contrast key facts about Yiren Digital Ltd. (YRD) and Super Micro Computer, Inc. (SMCI).

Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: YRD or SMCI.

Performance

YRD vs. SMCI - Performance Comparison

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

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Key characteristics

Sharpe Ratio

YRD:

0.46

SMCI:

-0.46

Sortino Ratio

YRD:

1.24

SMCI:

-0.18

Omega Ratio

YRD:

1.17

SMCI:

0.98

Calmar Ratio

YRD:

0.44

SMCI:

-0.64

Martin Ratio

YRD:

1.67

SMCI:

-1.03

Ulcer Index

YRD:

23.99%

SMCI:

52.83%

Daily Std Dev

YRD:

74.48%

SMCI:

113.95%

Max Drawdown

YRD:

-98.64%

SMCI:

-84.84%

Current Drawdown

YRD:

-87.45%

SMCI:

-66.32%

Fundamentals

Market Cap

YRD:

$540.90M

SMCI:

$24.56B

EPS

YRD:

$2.51

SMCI:

$1.79

PE Ratio

YRD:

2.49

SMCI:

22.36

PEG Ratio

YRD:

1.24

SMCI:

0.76

PS Ratio

YRD:

0.09

SMCI:

1.14

PB Ratio

YRD:

0.41

SMCI:

3.85

Total Revenue (TTM)

YRD:

$5.88B

SMCI:

$21.57B

Gross Profit (TTM)

YRD:

$5.03B

SMCI:

$2.43B

EBITDA (TTM)

YRD:

$1.35B

SMCI:

$1.38B

Returns By Period

The year-to-date returns for both investments are quite close, with YRD having a 30.42% return and SMCI slightly higher at 31.30%.

YRD

YTD

30.42%

1M

-4.43%

6M

24.45%

1Y

34.52%

3Y*

55.85%

5Y*

11.25%

10Y*

N/A

SMCI

YTD

31.30%

1M

22.27%

6M

22.61%

1Y

-48.99%

3Y*

99.95%

5Y*

72.82%

10Y*

27.74%

*Annualized

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Yiren Digital Ltd.

Super Micro Computer, Inc.

Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Risk-Adjusted Performance

YRD vs. SMCI — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
YRD
The Risk-Adjusted Performance Rank of YRD is 7070
Overall Rank
The Sharpe Ratio Rank of YRD is 6767
Sharpe Ratio Rank
The Sortino Ratio Rank of YRD is 7171
Sortino Ratio Rank
The Omega Ratio Rank of YRD is 7171
Omega Ratio Rank
The Calmar Ratio Rank of YRD is 7070
Calmar Ratio Rank
The Martin Ratio Rank of YRD is 7070
Martin Ratio Rank
SMCI
The Risk-Adjusted Performance Rank of SMCI is 2525
Overall Rank
The Sharpe Ratio Rank of SMCI is 2525
Sharpe Ratio Rank
The Sortino Ratio Rank of SMCI is 3131
Sortino Ratio Rank
The Omega Ratio Rank of SMCI is 3131
Omega Ratio Rank
The Calmar Ratio Rank of SMCI is 1111
Calmar Ratio Rank
The Martin Ratio Rank of SMCI is 2525
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

YRD vs. SMCI - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for Yiren Digital Ltd. (YRD) and Super Micro Computer, Inc. (SMCI). 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.

The current YRD Sharpe Ratio is 0.46, which is higher than the SMCI Sharpe Ratio of -0.46. The chart below compares the historical Sharpe Ratios of YRD and SMCI, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

Dividends

YRD vs. SMCI - Dividend Comparison

YRD's dividend yield for the trailing twelve months is around 6.71%, while SMCI has not paid dividends to shareholders.

TTM20242023202220212020201920182017
YRD
Yiren Digital Ltd.		6.71%4.17%0.00%0.00%0.00%0.00%0.00%2.60%3.41%
SMCI
Super Micro Computer, Inc.		0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Drawdowns

YRD vs. SMCI - Drawdown Comparison

The maximum YRD drawdown since its inception was -98.64%, which is greater than SMCI's maximum drawdown of -84.84%. Use the drawdown chart below to compare losses from any high point for YRD and SMCI.

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Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

Volatility

YRD vs. SMCI - Volatility Comparison

The current volatility for Yiren Digital Ltd. (YRD) is 14.30%, while Super Micro Computer, Inc. (SMCI) has a volatility of 24.66%. This indicates that YRD experiences smaller price fluctuations and is considered to be less risky than SMCI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Financials

YRD vs. SMCI - Financials Comparison

This section allows you to compare key financial metrics between Yiren Digital Ltd. and Super Micro Computer, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.

Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities

1.00B2.00B3.00B4.00B5.00B6.00B20212022202320242025
1.45B
4.60B
(YRD) Total Revenue
(SMCI) Total Revenue
Values in USD except per share items

YRD vs. SMCI - Profitability Comparison

The chart below illustrates the profitability comparison between Yiren Digital Ltd. and Super Micro Computer, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.
Gross Margin
Operating Margin
Net Margin
Quarterly
Annual
0.0%20.0%40.0%60.0%80.0%20212022202320242025
86.4%
9.6%
(YRD) Gross Margin
(SMCI) Gross Margin
YRD - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2025, Yiren Digital Ltd. reported a gross profit of 1.25B and revenue of 1.45B. Therefore, the gross margin over that period was 86.4%.

SMCI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2025, Super Micro Computer, Inc. reported a gross profit of 440.22M and revenue of 4.60B. Therefore, the gross margin over that period was 9.6%.

YRD - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2025, Yiren Digital Ltd. reported an operating income of 295.79M and revenue of 1.45B, resulting in an operating margin of 20.4%.

SMCI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2025, Super Micro Computer, Inc. reported an operating income of 146.78M and revenue of 4.60B, resulting in an operating margin of 3.2%.

YRD - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2025, Yiren Digital Ltd. reported a net income of 331.45M and revenue of 1.45B, resulting in a net margin of 22.8%.

SMCI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2025, Super Micro Computer, Inc. reported a net income of 108.78M and revenue of 4.60B, resulting in a net margin of 2.4%.