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Jianpu Technology Inc. (AIJTY) vs Yirendai Ltd. (YRD)

Jianpu Technology Inc. and Yirendai Ltd. are both Credit Services companies. Yirendai Ltd. is the larger, with a market value of $31.7M against $12.8M — 2.5× the size. Jianpu Technology Inc. grew revenue faster over the last twelve months: 4.97% against −24.5%. Jianpu Technology Inc. has the higher net margin (−2.50% vs −33.5%) and the higher return on invested capital (0.00% vs −19.3%). Neither pays a dividend. Across the 16 metrics below, Jianpu Technology Inc. leads on 10 and Yirendai Ltd. on 6.

Valuation

Metric AIJTY YRD Credit Services median
P/E n/m n/m 8.96
P/S 0.07 0.05 1.00
P/B 0.23 0.03 1.23
Price to free cash flow n/m n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (37.49%) (697.22%) 7.17%
Free cash flow yield (701.20%) (305.88%) 11.75%

Profitability

Metric AIJTY YRD Credit Services median
Gross margin 25.57% 81.85% 76.61%
Operating margin (4.91%) (36.38%) 0.34%
Net margin (2.50%) (33.54%) 8.35%
Free cash flow margin (46.45%) (14.04%) 8.73%
Return on equity 0.00% (17.77%) 9.05%
Return on assets 0.00% (12.46%) 1.94%
Return on invested capital 0.00% (19.34%) 4.56%

Growth

Metric AIJTY YRD Credit Services median
Revenue growth (TTM) 4.97% (24.50%) 4.49%
EPS growth (last fiscal year) (69.01%) (98.20%) 21.94%
Revenue growth, 5-year CAGR 9.29% 6.14% 9.22%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric AIJTY YRD Credit Services median
Debt to equity 0.00 0.00 0.69
Current ratio 1.87 3.26 1.26
Net debt to EBITDA (13.28) 22.78 0.11

Dividend

Metric AIJTY YRD Credit Services median
Dividend yield 0.00% 0.00% 1.64%
Payout ratio — — 0.21

Size

Metric AIJTY YRD Credit Services median
Market cap 12.76m 31.65m 759.73m

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