YRD vs ECPG

Head-to-Head Stock Analysis & Investment Rating

Last Updated: Oct 22, 2026

YRD

53.2
AI Score
VS
YRD Wins

ECPG

48.3
AI Score

Investment Advisor Scores

YRD

53score
Recommendation
HOLD

ECPG

48score
Recommendation
HOLD

AI Analyst Insights

Detailed Metrics Comparison

Metric YRD ECPG Winner
Forward P/E 7.0972 5.5432 ECPG
PEG Ratio 1.24 0.1692 ECPG
Revenue Growth -46.1% 11.3% ECPG
Earnings Growth -10.2% 12.9% ECPG
Tradestie Score 53.2/100 48.3/100 YRD
Profit Margin -34.5% 15.9% ECPG
Beta 1.00 1.00 Tie
AI Recommendation HOLD HOLD Tie

Relative Price Performance (Last 90 Days)

YRD 1M: -28.5% · 3M: -39.4% ECPG 1M: +6.2% · 3M: +11.3%

Current Technical Phase

YRD

Markdown
Sell / avoid

Price below a falling SMA50 (slope -12.4%), weak momentum, RSI 41

RSI (14): 40.6 · Price: $0.71

ECPG

Markup
Hold / add on dips

Price above SMA50, rising 50-day trend (2.6% over 20 days), RSI 51

RSI (14): 50.9 · Price: $100.36

Fundamentals Snapshot

Metric YRD ECPG
Market Cap — —
Forward P/E 7.1 6.8
Trailing P/E — 7.8
Revenue (TTM) — —
Revenue Growth -0.5% 0.1%
Gross Margin 0.8% 1.0%
Operating Margin -0.1% 0.4%
EPS -2.45 13.30
Dividend Yield — —

Frequently Asked Questions

Based on our detailed analysis, YRD is currently the stronger investment candidate based on our comprehensive scoring model.

We analyze revenue and earnings growth rates in the "Growth" section above. Generally, the company with higher year-over-year revenue and EPS growth is fostering better expansion. Check the table above for the specific growth percentages.

Valuation is determined by metrics like the P/E Ratio and PEG Ratio. A lower P/E typically suggests a stock is cheaper relative to its earnings. Refer to the "Valuation" section in our comparison table to see which stock currently trades at a more attractive multiple.