Financial Analysis: Sentage (NASDAQ:SNTG) and Yiren Digital (NYSE:YRD)

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

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sentage	$160,000.00	33.19	-$2.56 million	N/A	N/A
Yiren Digital	$4.71 billion	0.10	$292.99 million	$3.26	1.56

Yiren Digital has higher revenue and earnings than Sentage.

Risk and Volatility

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

Institutional & Insider Ownership

0.1% of Sentage shares are owned by institutional investors. Comparatively, 2.0% of Yiren Digital shares are owned by institutional investors. 62.4% of Sentage shares are owned by insiders. Comparatively, 42.2% of Yiren Digital shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Sentage and Yiren Digital, as reported by MarketBeat.

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

Profitability

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

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

Summary

Yiren Digital beats Sentage on 6 of the 9 factors compared between the two stocks.

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.

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.