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Side-by-side financial comparison of STEM, INC. (STEM) and Yiren Digital Ltd. (YRD). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $30.1M, roughly 1.6× Yiren Digital Ltd.). Yiren Digital Ltd. runs the higher net margin — 20.4% vs -33.9%, a 54.3% gap on every dollar of revenue. Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs -59.4%).
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
Yiren Digital Ltd. is a China-based fintech firm that operates integrated digital consumer finance platforms, offering personal installment loans, data-driven credit assessment solutions, and accessible wealth management advisory services primarily to underserved individual users across tier 2 to lower-tier cities in mainland China, leveraging big data and artificial intelligence to enhance risk control and service delivery efficiency.
STEM vs YRD — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.1M | $30.1M |
| Net Profit | $-16.0M | $6.2M |
| Gross Margin | 48.9% | — |
| Operating Margin | -17.7% | — |
| Net Margin | -33.9% | 20.4% |
| Revenue YoY | -15.6% | — |
| Net Profit YoY | 68.8% | — |
| EPS (diluted) | $-4.40 | $0.04 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $47.1M | — | ||
| Q3 25 | $38.2M | $31.8M | ||
| Q2 25 | $38.4M | — | ||
| Q1 25 | $32.5M | $29.6M | ||
| Q4 24 | $55.8M | — | ||
| Q3 24 | $29.3M | $28.4M | ||
| Q2 24 | $34.0M | — | ||
| Q1 24 | $25.5M | $26.3M |
| Q4 25 | $-16.0M | — | ||
| Q3 25 | $-23.8M | $6.9M | ||
| Q2 25 | $202.5M | — | ||
| Q1 25 | $-25.0M | $4.7M | ||
| Q4 24 | $-51.1M | — | ||
| Q3 24 | $-148.3M | $7.8M | ||
| Q2 24 | $-582.3M | — | ||
| Q1 24 | $-72.3M | $9.3M |
| Q4 25 | 48.9% | — | ||
| Q3 25 | 35.5% | — | ||
| Q2 25 | 33.4% | — | ||
| Q1 25 | 32.4% | — | ||
| Q4 24 | -4.4% | — | ||
| Q3 24 | 21.2% | — | ||
| Q2 24 | 27.6% | — | ||
| Q1 24 | -95.0% | — |
| Q4 25 | -17.7% | — | ||
| Q3 25 | -33.6% | — | ||
| Q2 25 | -34.8% | — | ||
| Q1 25 | -65.0% | — | ||
| Q4 24 | -84.4% | — | ||
| Q3 24 | -493.2% | — | ||
| Q2 24 | -1705.5% | — | ||
| Q1 24 | -267.0% | — |
| Q4 25 | -33.9% | — | ||
| Q3 25 | -62.2% | 21.6% | ||
| Q2 25 | 527.8% | — | ||
| Q1 25 | -76.9% | 15.9% | ||
| Q4 24 | -91.6% | — | ||
| Q3 24 | -506.3% | 27.4% | ||
| Q2 24 | -1712.6% | — | ||
| Q1 24 | -283.9% | 35.3% |
| Q4 25 | $-4.40 | — | ||
| Q3 25 | $-2.84 | $0.04 | ||
| Q2 25 | $-1.79 | — | ||
| Q1 25 | $-0.15 | $0.03 | ||
| Q4 24 | $-15.29 | — | ||
| Q3 24 | $-18.24 | $0.04 | ||
| Q2 24 | $-71.81 | — | ||
| Q1 24 | $-0.46 | $0.05 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $48.9M | $565.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-249.4M | $1.4B |
| Total Assets | $308.9M | $2.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $48.9M | — | ||
| Q3 25 | $43.1M | $558.0M | ||
| Q2 25 | $40.8M | — | ||
| Q1 25 | $58.6M | $558.0M | ||
| Q4 24 | $56.3M | — | ||
| Q3 24 | $75.4M | $814.8M | ||
| Q2 24 | $89.6M | — | ||
| Q1 24 | $112.8M | $814.8M |
| Q4 25 | $-249.4M | — | ||
| Q3 25 | $-235.7M | $1.3B | ||
| Q2 25 | $-214.1M | — | ||
| Q1 25 | $-417.5M | $1.3B | ||
| Q4 24 | $-398.4M | — | ||
| Q3 24 | $-344.1M | $1.2B | ||
| Q2 24 | $-203.2M | — | ||
| Q1 24 | $371.6M | $1.2B |
| Q4 25 | $308.9M | — | ||
| Q3 25 | $362.6M | $1.8B | ||
| Q2 25 | $379.2M | — | ||
| Q1 25 | $405.1M | $1.8B | ||
| Q4 24 | $437.4M | — | ||
| Q3 24 | $537.8M | $1.5B | ||
| Q2 24 | $691.5M | — | ||
| Q1 24 | $1.3B | $1.5B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $8.2M | $-106.3K |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | -0.02× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.2M | — | ||
| Q3 25 | $11.4M | $7.9M | ||
| Q2 25 | $-21.3M | — | ||
| Q1 25 | $8.5M | $9.1M | ||
| Q4 24 | $-14.7M | — | ||
| Q3 24 | $-9.4M | $7.0M | ||
| Q2 24 | $-11.9M | — | ||
| Q1 24 | $-621.0K | $12.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | -0.11× | — | ||
| Q1 25 | — | 1.93× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.90× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 1.30× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
