YRD vs. SMCI
YRD (Yiren Digital Ltd.) and SMCI (Super Micro Computer, Inc.) are both stocks. YRD operates in Credit Services (Financial Services), while SMCI operates in Computer Hardware (Technology). Over the past 10 years, YRD returned -20.97%/yr vs 33.31%/yr for SMCI. At a 0.17 correlation, their price movements are largely independent.
Performance
YRD vs. SMCI - Performance Comparison
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Returns By Period
In the year-to-date period, YRD achieves a -66.76% return, which is significantly lower than SMCI's 60.23% return. Over the past 10 years, YRD has underperformed SMCI with an annualized return of -20.97%, while SMCI has yielded a comparatively higher 33.31% annualized return.
YRD
- 1D
- -2.38%
- 1M
- -38.50%
- YTD
- -66.76%
- 6M
- -72.91%
- 1Y
- -80.05%
- 3Y*
- -17.32%
- 5Y*
- -18.84%
- 10Y*
- -20.97%
SMCI
- 1D
- -1.10%
- 1M
- 68.52%
- YTD
- 60.23%
- 6M
- 37.01%
- 1Y
- 6.28%
- 3Y*
- 28.00%
- 5Y*
- 66.47%
- 10Y*
- 33.31%
YRD vs. SMCI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
YRD Yiren Digital Ltd. | -66.76% | -17.23% | 60.01% | 127.74% | -52.10% | -14.37% | -39.82% | -48.37% | -75.36% | 119.48% |
SMCI Super Micro Computer, Inc. | 60.23% | -3.97% | 7.23% | 246.24% | 86.80% | 38.82% | 31.81% | 74.06% | -34.07% | -25.38% |
Correlation
The correlation between YRD and SMCI is 0.24, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.24 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.23 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.19 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.18 |
Correlation (All Time) Calculated using the full available price history since Dec 21, 2015 | 0.17 |
Fundamentals
YRD:
$53.59M
SMCI:
$31.59B
YRD:
$0.72
SMCI:
$2.70
YRD:
1.70
SMCI:
17.35
YRD:
0.02
SMCI:
0.92
YRD:
0.01
SMCI:
4.17
YRD:
$5.73B
SMCI:
$33.70B
YRD:
$4.94B
SMCI:
$2.83B
YRD:
$233.03M
SMCI:
$1.47B
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Return for Risk
YRD vs. SMCI — Risk / Return Rank
YRD
SMCI
YRD vs. SMCI - Risk-Adjusted Trends 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.
| YRD | SMCI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.29 | ||
| Sortino ratioReturn per unit of downside risk | -2.96 | ||
| Omega ratioGain probability vs. loss probability | 0.64 | 1.10 | -0.45 |
| Calmar ratioReturn relative to maximum drawdown | -0.97 | 0.10 | -1.06 |
| Martin ratioReturn relative to average drawdown | -1.80 | 0.16 | -1.96 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| YRD | SMCI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -1.21 | 0.08 | -1.29 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.23 | 0.78 | -1.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | -0.27 | 0.47 | -0.75 |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.21 | 0.37 | -0.58 |
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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Drawdown Indicators
| YRD | SMCI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.64% | -84.84% | -13.80% |
Max Drawdown (1Y)Largest decline over 1 year | -82.81% | -66.18% | -16.63% |
Max Drawdown (3Y)Largest decline over 3 years | -84.66% | -84.84% | +0.18% |
Max Drawdown (5Y)Largest decline over 5 years | -89.12% | -84.84% | -4.28% |
Max Drawdown (10Y)Largest decline over 10 years | -98.64% | -84.84% | -13.80% |
Current DrawdownCurrent decline from peak | -97.35% | -60.52% | -36.83% |
Average DrawdownAverage peak-to-trough decline | -73.75% | -31.94% | -41.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 44.54% | 38.83% | +5.71% |
Volatility
YRD vs. SMCI - Volatility Comparison
The current volatility for Yiren Digital Ltd. (YRD) is 22.86%, while Super Micro Computer, Inc. (SMCI) has a volatility of 30.50%. 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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Volatility by Period
| YRD | SMCI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 22.86% | 30.50% | -7.64% |
Volatility (6M)Calculated over the trailing 6-month period | 70.63% | 66.38% | +4.25% |
Volatility (1Y)Calculated over the trailing 1-year period | 66.42% | 78.89% | -12.47% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 81.77% | 85.25% | -3.48% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 77.28% | 70.41% | +6.87% |
Dividends
YRD vs. SMCI - Dividend Comparison
YRD's dividend yield for the trailing twelve months is around 17.89%, while SMCI has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
SMCI Super Micro Computer, 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. | 17.89% | 11.89% | 4.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.60% | 3.37% |
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.
Total Revenue: Total amount of money received from sales and other business activities
YRD vs. SMCI - Profitability Comparison
YRD - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Yiren Digital Ltd. reported a gross profit of 688.65M and revenue of 945.45M. Therefore, the gross margin over that period was 72.8%.
SMCI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Super Micro Computer, Inc. reported a gross profit of 1.02B and revenue of 10.24B. Therefore, the gross margin over that period was 10.0%.
YRD - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Yiren Digital Ltd. reported an operating income of -44.01M and revenue of 945.45M, resulting in an operating margin of -4.7%.
SMCI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Super Micro Computer, Inc. reported an operating income of 625.87M and revenue of 10.24B, resulting in an operating margin of 6.1%.
YRD - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Yiren Digital Ltd. reported a net income of -869.98M and revenue of 945.45M, resulting in a net margin of -92.0%.
SMCI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Super Micro Computer, Inc. reported a net income of 1.02B and revenue of 10.24B, resulting in a net margin of 9.9%.
Frequently Asked Questions
YRD and SMCI have a correlation of 0.24, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SMCI has higher volatility (30.50%) compared to YRD (22.86%). In terms of maximum drawdown, YRD dropped -98.64% vs SMCI's -84.84%.
SMCI currently has the higher Sharpe Ratio (0.08 vs -1.21), 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.
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