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Vroom, Inc. (VRM) vs Yirendai Ltd. (YRD)

Vroom, Inc. and Yirendai Ltd. are both Credit Services companies. Yirendai Ltd. is the larger, with a market value of $67.7M against $46.3M — 1.5× the size. Vroom, Inc. grew revenue faster over the last twelve months: −7.49% against −24.5%. Vroom, Inc. has the higher net margin (−33.1% vs −33.5%) and the higher return on invested capital (−4.90% vs −19.3%). Across the 17 metrics below, Vroom, Inc. leads on 11 and Yirendai Ltd. on 6.

Valuation

Metric VRM YRD Credit Services median
P/E n/m n/m 9.39
P/S 0.27 0.10 0.86
P/B 0.47 0.06 1.16
Price to free cash flow 0.66 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (124.52%) (335.65%) 6.55%
Free cash flow yield 152.37% (146.82%) 12.26%

Profitability

Metric VRM YRD Credit Services median
Gross margin 100.00% 81.85% 77.13%
Operating margin 16.64% (36.38%) 0.34%
Net margin (33.10%) (33.54%) 9.25%
Free cash flow margin 40.58% (14.04%) 12.91%
Return on equity (45.98%) (17.77%) 8.49%
Return on assets (6.02%) (12.46%) 2.16%
Return on invested capital (4.90%) (19.34%) 4.09%

Growth

Metric VRM YRD Credit Services median
Revenue growth (TTM) (7.49%) (24.50%) 4.62%
EPS growth (last fiscal year) 98.31% (97.18%) 21.94%
Revenue growth, 5-year CAGR (33.33%) 6.14% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric VRM YRD Credit Services median
Debt to equity 5.30 0.00 0.68
Current ratio 0.00 3.26 1.55
Net debt to EBITDA 9.33 22.78 0.13

Dividend

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

Size

Metric VRM YRD Credit Services median
Market cap 46.25m 67.69m 751.08m

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