NYSE:YRD

Stock Analysis Report

Executive Summary

Yirendai Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors primarily in the People’s Republic of China.

Snowflake

Fundamentals

Flawless balance sheet and undervalued.

Risks

  • Yirendai has significant price volatility in the past 3 months.

Similar Companies

Share Price & News

How has Yirendai's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

10.1%

NYSE:YRD

1.3%

US Consumer Finance

2.9%

US Market


1 Year Return

-40.4%

NYSE:YRD

2.4%

US Consumer Finance

0.2%

US Market

YRD underperformed the Consumer Finance industry which returned 1.7% over the past year.

YRD underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

YRDIndustryMarket
7 Day10.1%1.3%2.9%
30 Day-13.0%-4.4%-2.3%
90 Day-39.9%0.2%3.1%
1 Year-40.4%-40.4%4.1%2.4%2.4%0.2%
3 Year-56.6%-58.3%61.6%54.0%41.7%32.4%
5 Yearn/a38.9%28.9%55.1%37.9%

Price Volatility Vs. Market

How volatile is Yirendai's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Yirendai undervalued based on future cash flows and its price relative to the stock market?

>50%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Yirendai's share price is below the future cash flow value, and at a moderate discount (> 20%).

Yirendai's share price is below the future cash flow value, and at a substantial discount (> 40%).


Price Based on Earnings

Yirendai is good value based on earnings compared to the US Consumer Finance industry average.

Yirendai is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Yirendai is good value based on expected growth next year.


Price Based on Value of Assets

Yirendai is overvalued based on assets compared to the US Consumer Finance industry average.


Next Steps

Future Growth

How is Yirendai expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

44.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Yirendai's revenue is expected to grow significantly at over 20% yearly.

Yirendai's earnings are expected to grow significantly at over 20% yearly.

Yirendai's revenue growth is expected to exceed the United States of America market average.

Yirendai's earnings growth is expected to exceed the United States of America market average.

Yirendai's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Yirendai will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Yirendai performed over the past 5 years?

38.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Yirendai has delivered over 20% year on year earnings growth in the past 5 years.

Yirendai's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Yirendai's 1-year earnings growth is negative, it can't be compared to the US Consumer Finance industry average.


Return on Equity

Yirendai has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).


Return on Assets

Yirendai used its assets less efficiently than the US Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Yirendai's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is Yirendai's financial position?


Financial Position Analysis

Yirendai is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Yirendai's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Yirendai has no debt.

Yirendai currently has no debt however we can't compare to 5 years ago as we have no data for that period.

Yirendai has no debt, it does not need to be covered by operating cash flow.

Yirendai has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet

Low level of unsold assets.

Yirendai has no debt, it does not need to be covered by short term assets.


Next Steps

Dividend

What is Yirendai's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Yirendai's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Yirendai's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Yirendai has not reported any payouts.

Unable to verify if Yirendai's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Yirendai has not reported any payouts.


Future Payout to Shareholders

No need to calculate the sustainability of Yirendai's dividends in 3 years as they are not expected to pay a notable one for United States of America.


Next Steps

Management

What is the CEO of Yirendai's salary, the management and board of directors tenure and is there insider trading?

0.08yrs

Average management tenure


CEO

Ning Tang (45yo)

0.1yrs

Tenure

0

Mr. Ning Tang is Founder of CreditEase Holdings (Cayman) Limited and serves as Chief Executive Officer. Mr. Tang founded Creditease Corp. in 2006 and serves as its Chief Executive Officer. In 1997, he wen ...


Management Age and Tenure

0.08yrs

Average Tenure

45yo

Average Age

The average tenure for the Yirendai management team is less than 2 years, this suggests a new team.


Board Age and Tenure

4.1yrs

Average Tenure

51yo

Average Age

The tenure for the Yirendai board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Yang Cao (48yo)

    COO & CTO

    • Tenure: 3.2yrs
  • Ning Tang (45yo)

    Executive Chairman & CEO

    • Tenure: 0.1yrs
  • Huan Chen (44yo)

    Chief Risk Officer & Director

    • Tenure: 4.6yrs
  • Dennis Cong (50yo)

    Co-Chief Financial Officer

    • Tenure: 0.4yrs
  • Matthew Li

    Director of Investor Relations

    • Tenure: 0.0yrs
  • Jia Liu (35yo)

    Co-Chief Financial Officer

    • Tenure: 0.4yrs
  • Lydia Yu

    Investor Relations Officer

    • Tenure: 0.0yrs
  • Wei Wang

    Chief Executive Officer of Yiren Credit

    • Tenure: 0.1yrs
  • Shang Xiao

    Chief Executive Officer of Yiren Wealth

    • Tenure: 0.1yrs

Board Members

  • Quan Zhou (61yo)

    Director

    • Tenure: 4.6yrs
  • Chaomei Chen (60yo)

    Independent Director

    • Tenure: 2.7yrs
  • Hanhui Sun Sam (47yo)

    Independent Director

    • Tenure: 3.7yrs
  • Jingsheng Huang (61yo)

    Independent Director

    • Tenure: 3.7yrs
  • Tina Ju (55yo)

    Director

    • Tenure: 4.6yrs
  • Ning Tang (45yo)

    Executive Chairman & CEO

    • Tenure: 0.1yrs
  • Huan Chen (44yo)

    Chief Risk Officer & Director

    • Tenure: 4.6yrs
  • Qing Li (42yo)

    Director

    • Tenure: 3.7yrs
  • Kingsley Chan

    Observer

    • Tenure: 0.0yrs

Company Information

Yirendai Ltd.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Yirendai Ltd.
  • Ticker: YRD
  • Exchange: NYSE
  • Founded: 2012
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: US$963.203m
  • Shares outstanding: 94.25m
  • Website: https://www.yirendai.com

Number of Employees


Location

  • Yirendai Ltd.
  • Building 9
  • 10th Floor
  • Beijing
  • 100022
  • China

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
YRDNYSE (New York Stock Exchange)YesSPONSORED ADRUSUSDDec 2015
19YADB (Deutsche Boerse AG)YesSPONSORED ADRDEEURDec 2015
YRD NBMV (Bolsa Mexicana de Valores)YesSPONSORED ADRMXMXNDec 2015

Biography

Yirendai Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors primarily in the People’s Republic of China. It offers standard loan produc ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 00:41
End of Day Share Price2019/08/21 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.