# Yiren Digital Ltd. (YRD) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

Yiren Digital Ltd. (YRD) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: YRD -66.70%, SPY +88.93%. Regime YRD CRISIS · SPY BULL. As of Oct 5, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/YRD/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=YRD%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| YRD | -66.70% | -89.57% | -75.25% |
| SPY | +88.93% | -24.49% | +14.31% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| YRD | -85.64% | -86.54% | -55.27% | -66.70% |
| SPY | +16.62% | +39.61% | +89.28% | +88.93% |

## Annual

| Year | YRD | SPY |
|---|---:|---:|
| YTD | -75.25% | +14.31% |
| 2025 | -18.01% | +18.01% |
| 2024 | +38.57% | +25.59% |
| 2023 | +106.62% | +26.73% |
| 2022 | -51.42% | -18.64% |
| 2021 | -9.78% | +8.66% |

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Research context only. Not personalized investment advice.