Financial Analysis: Yiren Digital (NYSE:YRD) vs. Core Scientific (NASDAQ:CORZ)

Yiren Digital (NYSE:YRDGet Free Report) and Core Scientific (NASDAQ:CORZGet Free Report) are both small-cap computer and technology companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, risk, institutional ownership, valuation, dividends, analyst recommendations and earnings.

Institutional & Insider Ownership

2.0% of Yiren Digital shares are held by institutional investors. 42.2% of Yiren Digital shares are held by company insiders. Comparatively, 32.0% of Core Scientific shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Earnings & Valuation

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Yiren Digital $4.90 billion 0.08 $292.99 million $3.26 1.45
Core Scientific $502.40 million 1.48 N/A N/A N/A

Yiren Digital has higher revenue and earnings than Core Scientific.

Profitability

This table compares Yiren Digital and Core Scientific’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%
Core Scientific N/A N/A N/A

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Yiren Digital and Core Scientific, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Yiren Digital 0 0 0 0 N/A
Core Scientific 0 0 2 0 3.00

Core Scientific has a consensus price target of $6.75, suggesting a potential upside of 61.87%. Given Core Scientific’s higher possible upside, analysts plainly believe Core Scientific is more favorable than Yiren Digital.

Summary

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

About Yiren Digital

(Get Free Report)

Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. 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 Core Scientific

(Get Free Report)

Core Scientific, Inc. provides digital asset mining services in North America. It operates through two segments, Mining and Hosting. The company offers blockchain infrastructure, software solutions, and services; and operates data center mining facilities. It also mines digital assets for its own account; and provides hosting services for other large bitcoin miners, which include deployment, monitoring, trouble shooting, optimization, and maintenance of its customers' digital asset mining equipment. In addition, the company provides electrical power, repair, and other infrastructure services to operate, maintain, and earn digital assets; and sells mining equipment to customers. Core Scientific, Inc. was founded in 2017 and is headquartered in Dover, Delaware.

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