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CURO Group Holdings Corp. (CUROQ) vs Yirendai Ltd. (YRD)

CURO Group Holdings Corp. and Yirendai Ltd. are both Credit Services companies. Yirendai Ltd. is the larger, with a market value of $31.7M against $5.9M — 5.4× the size. CURO Group Holdings Corp. grew revenue faster over the last twelve months: −14.2% against −24.5%. Yirendai Ltd. has the higher net margin (−33.5% vs −77.0%) and the lower return on invested capital (−19.3% vs 0.39%). Across the 16 metrics below, CURO Group Holdings Corp. leads on 9 and Yirendai Ltd. on 7.

Valuation

Metric CUROQ YRD Credit Services median
P/E n/m n/m 8.96
P/S 0.00 0.05 1.00
P/B n/m 0.03 1.23
Price to free cash flow n/m n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (25,100.00%) (697.22%) 7.17%
Free cash flow yield (1,660.95%) (305.88%) 11.75%

Profitability

Metric CUROQ YRD Credit Services median
Gross margin 42.47% 81.85% 76.61%
Operating margin 1.73% (36.38%) 0.34%
Net margin (77.04%) (33.54%) 8.35%
Free cash flow margin (5.16%) (14.04%) 8.73%
Return on equity 299.47% (17.77%) 9.05%
Return on assets (17.99%) (12.46%) 1.94%
Return on invested capital 0.39% (19.34%) 4.56%

Growth

Metric CUROQ YRD Credit Services median
Revenue growth (TTM) (14.18%) (24.50%) 4.49%
EPS growth (last fiscal year) (432.61%) (98.20%) 21.94%
Revenue growth, 5-year CAGR 0.45% 6.14% 9.22%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CUROQ YRD Credit Services median
Debt to equity (5.09) 0.00 0.69
Current ratio 9.33 3.26 1.26
Net debt to EBITDA 12.24 22.78 0.11

Dividend

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

Size

Metric CUROQ YRD Credit Services median
Market cap 5.86m 31.65m 759.73m

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