Weidai Ltd. Sponsored ADR (WEI) vs Yirendai Ltd. (YRD)

Weidai Ltd. Sponsored ADR and Yirendai Ltd. are both Credit Services companies. Yirendai Ltd. is the larger, with a market value of $86.0M against $67.6M — 1.3× the size. Yirendai Ltd. grew revenue faster over the last twelve months: −10.1% against −26.6%. Yirendai Ltd. has the higher net margin (−13.3% vs −29.5%) and the lower return on invested capital (−9.41% vs 0.00%). Across the 19 metrics below, Yirendai Ltd. leads on 12 and Weidai Ltd. Sponsored ADR on 7.

Valuation

Metric WEI YRD Credit Services median
P/E n/m n/m 9.64
P/S 0.03 0.12 0.87
P/B 0.07 0.07 1.16
Price to free cash flow 0.03 0.70 2.99
EV/EBITDA n/m 2.49 9.58
EV/Sales (0.16) (0.44) 2.32
Earnings yield (145.83%) (119.19%) 6.72%
Free cash flow yield 3,993.56% 141.89% 12.33%

Profitability

Metric WEI YRD Credit Services median
Gross margin 0.00% 85.04% 77.13%
Operating margin 0.00% (17.62%) 0.34%
Net margin (29.49%) (13.29%) 9.25%
Free cash flow margin 0.00% 17.63% 13.03%
Return on equity (36.15%) (7.48%) 8.49%
Return on assets (20.21%) (5.37%) 2.29%
Return on invested capital 0.00% (9.41%) 4.09%

Growth

Metric WEI YRD Credit Services median
Revenue growth (TTM) (26.60%) (10.07%) 4.62%
EPS growth (last fiscal year) (63.87%) (97.18%) —
Revenue growth, 5-year CAGR (16.00%) 6.14% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric WEI YRD Credit Services median
Debt to equity 0.01 0.00 0.68
Current ratio 2.20 3.07 1.55
Net debt to EBITDA 0.67 22.78 0.13

Dividend

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

Size

Metric WEI YRD Credit Services median
Market cap 67.64m 85.97m 872.19m

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