NYSE:YRD (China) Also trade in: Germany

Yirendai Ltd

$ 9.57 0 (0%)
Volume: 86,275 Avg Vol (1m): 164,383
Market Cap $: 589.17 Mil Enterprise Value $: 589.17 Mil
P/E (TTM): 4.29 P/B: 0.79
Earnings Power Value 14.85
Net Current Asset Value 10.36
Tangible Book 12.08
Projected FCF 0
Median P/S Value 61.91
Graham Number 26.34
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 6.4/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Equity-to-Asset 0.68
Equity-to-Asset range over the past 10 years
Min: 0.33, Med: 0.45, Max: 0.68
Current: 0.68
0.33
0.68
Debt-to-EBITDA 0.81
Debt-to-EBITDA range over the past 10 years
Min: 0.25, Med: 0.25, Max: 0.81
Current: 0.81
0.25
0.81
Interest Coverage 31131.65
Interest Coverage range over the past 10 years
Min: 10000, Med: 10000, Max: 31131.65
Current: 31131.65
10000
31131.65
WACC vs ROIC %
ROIC 7.45%
WACC 6.7%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 2.04
Operating Margin range over the past 10 years
Min: 2.04, Med: 31.04, Max: 36.01
Current: 2.04
2.04
36.01
Net Margin % 14.54
Net Margin range over the past 10 years
Min: -266.43, Med: 17.56, Max: 34.48
Current: 14.54
-266.43
34.48
ROE % 36.54
ROE range over the past 10 years
Min: -264.16, Med: 41.98, Max: 70.03
Current: 36.54
-264.16
70.03
ROA % 20.13
ROA range over the past 10 years
Min: -169.11, Med: 20.84, Max: 31.3
Current: 20.13
-169.11
31.3
ROC (Joel Greenblatt) % 117.59
ROC (Joel Greenblatt) range over the past 10 years
Min: 117.59, Med: 540.78, Max: 4411.17
Current: 117.59
117.59
4411.17
3-Year Total Revenue Growth Rate 100.50
3-Year Revenue Growth Rate range over the past 10 years
Min: 63.3, Med: 193.7, Max: 429.5
Current: 63.3
63.3
429.5
3-Year EPS w/o NRI Growth Rate 42.70
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 42.7
Current: 42.7
0
42.7

Ratios

Current vs industry vs history
PE Ratio (TTM) 4.29
PE Ratio range over the past 10 years
Min: 4.06, Med: 8.18, Max: 24.23
Current: 4.29
4.06
24.23
Forward PE Ratio 5.24
N/A
PE Ratio without NRI 4.29
PE without NRI range over the past 10 years
Min: 4.06, Med: 8.61, Max: 26.88
Current: 4.29
4.06
26.88
Price-to-Owner-Earnings 3.64
Price-to-Owner-Earnings range over the past 10 years
Min: 3.64, Med: 5.2, Max: 6.47
Current: 3.64
3.64
6.47
PB Ratio 0.79
PB Ratio range over the past 10 years
Min: 0.79, Med: 4.17, Max: 10.24
Current: 0.79
0.79
10.24
PS Ratio 0.37
PS Ratio range over the past 10 years
Min: 0.36, Med: 2.4, Max: 6.28
Current: 0.37
0.36
6.28
EV-to-EBIT 17.08
EV-to-EBIT range over the past 10 years
Min: 2.7, Med: 20.1, Max: 46
Current: 17.08
2.7
46
EV-to-EBITDA 17.08
EV-to-EBITDA range over the past 10 years
Min: 2.7, Med: 20.1, Max: 46
Current: 17.08
2.7
46
EV-to-Revenue 0.35
EV-to-Revenue range over the past 10 years
Min: 0.1, Med: 2.1, Max: 5.9
Current: 0.35
0.1
5.9
Days Sales Outstanding 0.28
Days Sales Outstanding range over the past 10 years
Min: 0.28, Med: 13.2, Max: 358.69
Current: 0.28
0.28
358.69
Days Payable 62.75
Days Payable range over the past 10 years
Min: 10.44, Med: 27.75, Max: 62.75
Current: 62.75
10.44
62.75

Dividend & Buy Back

Current vs industry vs history
Dividend Payout Ratio 0.13
Dividend Payout Ratio range over the past 10 years
Min: 0.11, Med: 0.11, Max: 0.13
Current: 0.13
0.11
0.13
3-Year Share Buyback Rate -17.40
3-Year Share Buyback Rate range over the past 10 years
Min: -17.4, Med: -1.2, Max: -0.7
Current: -17.4
-17.4
-0.7

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 0.79
Price-to-Tangible-Book range over the past 10 years
Min: 0.79, Med: 3.99, Max: 6.89
Current: 0.79
0.79
6.89
Price-to-Median-PS-Value 0.16
Price-to-Median-PS-Value range over the past 10 years
Min: 0.15, Med: 1, Max: 1.49
Current: 0.16
0.15
1.49
Earnings Yield (Joel Greenblatt) % 5.85
Earnings Yield (Greenblatt) range over the past 10 years
Min: 2.2, Med: 5.25, Max: 37.2
Current: 5.85
2.2
37.2

» YRD's 30-Y Financials

Financials (Next Earnings Date: 2019-08-28)

» Interactive Chart

Peter Lynch Chart

Guru Trades Click for details

» Details

Insider Trades

SEC Filings

Gurus Latest Trades with NYSE:YRD

Business Description

Industry Credit Services » Credit Services    NAICS : 522298    SIC : 6159
Compare NSE:BHARATFIN BKK:KTC NAS:LX BOM:533398 NYSE:PPDF MIL:CERV BKK:SAWAD NYSE:NNI NSE:SHRIRAMCIT NAS:HAWK TSE:8253 NSE:HUDCO BKK:MTLS HKSE:08207 TSE:8585 HKSE:01606 NSE:SUNDARMFIN TSE:7164 NAS:PRAA TSE:8589
Traded in other countries 19YA.Germany
Address 10th Floor, Building 9, 91 Jianguo Road, Chaoyang District, Beijing, CHN, 100022
Yirendai Ltd is an online consumer finance marketplace in China connecting investors and individual borrowers. It provides consumers with easy access to affordable credit and investors with attractive investment opportunities. Its online platform automates company's operations and enables it to match borrowers with investors and execute loan transactions. The company's borrowers and investors come from a variety of channels, including online sources, such as the Internet and its mobile applications, as well as offline sources. It targets prime borrowers, comprising credit card holders with salary income. The company generates revenues from fees charged for its services in matching investors with individual borrowers and for other services it provides over the life of a loan.

More Statistics

Revenue (TTM) (Mil) $ 1,691.77
EPS (TTM) $ 2.23
Beta 0.89
Volatility % 57.01
52-Week Range $ 9.17 - 21.55
Shares Outstanding (Mil) 94.25

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 0
Positive ROA N
Positive CFROA N
Higher ROA yoy N
CFROA > ROA N
Lower Leverage yoy N
Higher Current Ratio yoy N
Less Shares Outstanding yoy N
Higher Gross Margin yoy N
Higher Asset Turnover yoy N