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Sentage Holdings Inc. (SNTG) vs Yirendai Ltd. (YRD)

Sentage Holdings Inc. and Yirendai Ltd. are both Credit Services companies. Yirendai Ltd. is the larger, with a market value of $31.7M against $4.4M — 7.1× the size. Yirendai Ltd. has the higher net margin (−33.5% vs −468.4%) and the lower return on invested capital (−19.3% vs 0.00%). Across the 13 metrics below, Sentage Holdings Inc. leads on 9 and Yirendai Ltd. on 4.

Valuation

Metric SNTG YRD Credit Services median
P/E n/m n/m 8.96
P/S n/m 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 (228.48%) (697.22%) 7.17%
Free cash flow yield 0.00% (305.88%) 11.75%

Profitability

Metric SNTG YRD Credit Services median
Gross margin 0.00% 81.85% 76.61%
Operating margin 0.00% (36.38%) 0.34%
Net margin (468.43%) (33.54%) 8.35%
Free cash flow margin 0.00% (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 SNTG YRD Credit Services median
Revenue growth (TTM) — (24.50%) 4.49%
EPS growth (last fiscal year) (14.08%) (98.20%) 21.94%
Revenue growth, 5-year CAGR (54.66%) 6.14% 9.22%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric SNTG YRD Credit Services median
Debt to equity 0.00 0.00 0.69
Current ratio 2.14 3.26 1.26
Net debt to EBITDA 0.22 22.78 0.11

Dividend

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

Size

Metric SNTG YRD Credit Services median
Market cap 4.43m 31.65m 759.73m

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