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Screener Weekly Summary Pricing

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 $86.0M against $51.0M — 1.7× the size. Vroom, Inc. grew revenue faster over the last twelve months: −7.49% against −10.1%. Yirendai Ltd. has the higher net margin (−13.3% vs −33.1%) and the lower return on invested capital (−9.41% vs −4.90%). Across the 20 metrics below, Yirendai Ltd. leads on 12 and Vroom, Inc. on 8.

Valuation

Metric VRM YRD Credit Services median
P/E n/m n/m 9.64
P/S 0.29 0.12 0.87
P/B 0.50 0.07 1.16
Price to free cash flow 0.71 0.70 2.99
EV/EBITDA 19.94 2.49 9.58
EV/Sales 3.87 (0.44) 2.32
Earnings yield (115.11%) (119.19%) 6.72%
Free cash flow yield 140.86% 141.89% 12.33%

Profitability

Metric VRM YRD Credit Services median
Gross margin 100.00% 85.04% 77.13%
Operating margin 16.64% (17.62%) 0.34%
Net margin (33.10%) (13.29%) 9.25%
Free cash flow margin 40.58% 17.63% 13.03%
Return on equity (45.98%) (7.48%) 8.49%
Return on assets (6.02%) (5.37%) 2.29%
Return on invested capital (4.90%) (9.41%) 4.09%

Growth

Metric VRM YRD Credit Services median
Revenue growth (TTM) (7.49%) (10.07%) 4.62%
EPS growth (last fiscal year) 98.31% (97.18%) —
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 3.07 1.55
Net debt to EBITDA 9.33 22.78 0.13

Dividend

Metric VRM YRD Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric VRM YRD Credit Services median
Market cap 50.96m 85.97m 872.19m

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