Head to Head Analysis: Yiren Digital (NYSE:YRD) vs. Sentage (NASDAQ:SNTG)

Yiren Digital (NYSE:YRD) and Sentage (NASDAQ:SNTG) are both small-cap computer and technology companies, but which is the superior stock? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, risk, dividends, valuation and analyst recommendations.

Earnings & Valuation

This table compares Yiren Digital and Sentage’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Yiren Digital	$689.53 million	0.65	$292.99 million	$3.26	1.56
Sentage	-$16,035.00	-342.86	-$2.56 million	N/A	N/A

Yiren Digital has higher revenue and earnings than Sentage.

Profitability

This table compares Yiren Digital and Sentage’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Yiren Digital	42.51%	28.62%	22.10%
Sentage	N/A	N/A	N/A

Institutional & Insider Ownership

2.0% of Yiren Digital shares are held by institutional investors. Comparatively, 0.1% of Sentage shares are held by institutional investors. 42.2% of Yiren Digital shares are held by insiders. Comparatively, 62.4% of Sentage shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Volatility and Risk

Yiren Digital has a beta of 0.73, indicating that its share price is 27% less volatile than the S&P 500. Comparatively, Sentage has a beta of 2.56, indicating that its share price is 156% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations for Yiren Digital and Sentage, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Yiren Digital	0	0	0	0	N/A
Sentage	0	0	0	0	N/A

Summary

Yiren Digital beats Sentage on 7 of the 9 factors compared between the two stocks.

About Yiren Digital

Yiren Digital Ltd. operates an AI-powered platform. Its platform provides a suite of financial and lifestyle services in China. The company delivers digital financial services, insurance solutions, as well as consumption and lifestyle services. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

About Sentage

Sentage Holdings Inc. provides a range of financial services. The company offers consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China. It also provides consultancy and information technology support services. Sentage Holdings Inc. was incorporated in 2019 and is headquartered in Shanghai, the People's Republic of China.