YRD vs. SMCI

Last updated Apr 2, 2026

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

YRD vs. SMCI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
YRD Yiren Digital Ltd.	-55.68%	-17.23%	60.01%	127.74%	-52.10%	-14.37%	-39.82%	-48.37%	-75.36%	119.48%
SMCI Super Micro Computer, Inc.	-23.10%	-3.97%	7.23%	246.24%	86.80%	38.82%	31.81%	74.06%	-34.07%	-25.38%

Fundamentals

Market Cap YRD : $71.46M SMCI : $15.17B
EPS YRD : $0.72 SMCI : $1.33
PE Ratio YRD : 2.26 SMCI : 16.87
PS Ratio YRD : 0.02 SMCI : 0.52
PB Ratio YRD : 0.01 SMCI : 2.17
Total Revenue (TTM) YRD : $5.73B SMCI : $28.06B
Gross Profit (TTM) YRD : $4.94B SMCI : $2.25B
EBITDA (TTM) YRD : $233.03M SMCI : $782.10M

Returns By Period

In the year-to-date period, YRD achieves a -55.68% return, which is significantly lower than SMCI's -23.10% return. Over the past 10 years, YRD has underperformed SMCI with an annualized return of -17.33%, while SMCI has yielded a comparatively higher 20.63% annualized return.

YRD

• 1D: -4.65%
• 1M: -56.50%
• YTD: -55.68%
• 6M: -74.09%
• 1Y: -75.64%
• 3Y*: -4.91%
• 5Y*: -16.31%
• 10Y*: -17.33%

SMCI

• 1D: -1.14%
• 1M: -29.28%
• YTD: -23.10%
• 6M: -57.03%
• 1Y: -35.78%
• 3Y*: 28.31%
• 5Y*: 41.56%
• 10Y*: 20.63%

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

Return for Risk

YRD vs. SMCI — 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: 2
YRD Omega Ratio Rank: 1
YRD Calmar Ratio Rank: 4
YRD Martin Ratio Rank: 1

SMCI

SMCI Risk / Return Rank: 23
SMCI Sharpe Ratio Rank: 21
SMCI Sortino Ratio Rank: 24
SMCI Omega Ratio Rank: 24
SMCI Calmar Ratio Rank: 24
SMCI Martin Ratio Rank: 22

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. 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 ratio Return per unit of total volatility	-1.17	-0.45	-0.71
Sortino ratio Return per unit of downside risk	-2.01	-0.20	-1.82
Omega ratio Gain probability vs. loss probability	0.68	0.97	-0.30
Calmar ratio Return relative to maximum drawdown	-0.96	-0.52	-0.44
Martin ratio Return relative to average drawdown	-2.29	-1.03	-1.26
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. SMCI - Sharpe Ratio Comparison

The current YRD Sharpe Ratio is -1.17, which is lower than the SMCI Sharpe Ratio of -0.45. 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.

Sharpe Ratios by Period

	YRD	SMCI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-1.17	-0.45	-0.71
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.20	0.50	-0.70
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	-0.22	0.30	-0.52
Sharpe Ratio (All Time) Calculated using the full available price history	-0.18	0.30	-0.48

Correlation

The correlation between YRD and SMCI is 0.17, 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.

Dividends

YRD vs. SMCI - Dividend Comparison

YRD's dividend yield for the trailing twelve months is around 26.83%, while SMCI has not paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
YRD Yiren Digital Ltd.	26.83%	11.89%	4.17%	0.00%	0.00%	0.00%	0.00%	0.00%	2.60%	3.37%
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%

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.

Drawdown Indicators

	YRD	SMCI	Difference
Max Drawdown Largest peak-to-trough decline	-98.64%	-84.84%	-13.80%
Max Drawdown (1Y) Largest decline over 1 year	-77.64%	-66.18%	-11.46%
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 Drawdown Current decline from peak	-96.47%	-81.05%	-15.42%
Average Drawdown Average peak-to-trough decline	-73.37%	-31.56%	-41.81%
Ulcer Index Depth and duration of drawdowns from previous peaks	32.55%	33.24%	-0.69%

Volatility

YRD vs. SMCI - Volatility Comparison

Yiren Digital Ltd. (YRD) has a higher volatility of 60.42% compared to Super Micro Computer, Inc. (SMCI) at 45.01%. This indicates that YRD's price experiences larger fluctuations and is considered to be riskier than SMCI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	YRD	SMCI	Difference
Volatility (1M) Calculated over the trailing 1-month period	60.42%	45.01%	+15.41%
Volatility (6M) Calculated over the trailing 6-month period	67.34%	62.35%	+4.99%
Volatility (1Y) Calculated over the trailing 1-year period	65.19%	79.49%	-14.30%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	81.17%	83.60%	-2.43%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	77.56%	69.68%	+7.88%

Financials

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.

YRD - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 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 Apr 2026, Super Micro Computer, Inc. reported a gross profit of 798.57M and revenue of 12.68B. Therefore, the gross margin over that period was 6.3%.

YRD - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 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 Apr 2026, Super Micro Computer, Inc. reported an operating income of 474.30M and revenue of 12.68B, resulting in an operating margin of 3.7%.

YRD - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 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 Apr 2026, Super Micro Computer, Inc. reported a net income of 400.56M and revenue of 12.68B, resulting in a net margin of 3.2%.