Sui Group Holdings Limited (SUIG) vs Yirendai Ltd. (YRD)

Sui Group Holdings Limited and Yirendai Ltd. are both Credit Services companies. Sui Group Holdings Limited is the larger, with a market value of $104.5M against $67.7M — 1.5× the size. Sui Group Holdings Limited grew revenue faster over the last twelve months: −5.33% against −24.5%. Yirendai Ltd. has the higher net margin (−33.5% vs −11,373.6%) and the higher return on invested capital (−19.3% vs −270.6%). Across the 16 metrics below, Yirendai Ltd. leads on 12 and Sui Group Holdings Limited on 4.

Valuation

Metric SUIG YRD Credit Services median
P/E n/m n/m 9.39
P/S 34.64 0.10 0.86
P/B 1.29 0.06 1.16
Price to free cash flow n/m n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (587.90%) (335.65%) 6.55%
Free cash flow yield (197.02%) (146.82%) 12.26%

Profitability

Metric SUIG YRD Credit Services median
Gross margin 100.00% 81.85% 77.13%
Operating margin (11,034.20%) (36.38%) 0.34%
Net margin (11,373.56%) (33.54%) 9.25%
Free cash flow margin (6,824.26%) (14.04%) 12.91%
Return on equity (683.94%) (17.77%) 8.49%
Return on assets (601.31%) (12.46%) 2.16%
Return on invested capital (270.62%) (19.34%) 4.09%

Growth

Metric SUIG YRD Credit Services median
Revenue growth (TTM) (5.33%) (24.50%) 4.62%
EPS growth (last fiscal year) (3,761.11%) (97.18%) 21.94%
Revenue growth, 5-year CAGR 24.61% 6.14% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric SUIG YRD Credit Services median
Debt to equity 0.00 0.00 0.68
Current ratio 0.62 3.26 1.55
Net debt to EBITDA 0.10 22.78 0.13

Dividend

Metric SUIG YRD Credit Services median
Dividend yield — 0.00% 1.64%
Payout ratio — — 0.22

Size

Metric SUIG YRD Credit Services median
Market cap 104.45m 67.69m 751.08m

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