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

Weidai Ltd. Sponsored ADR and Yirendai Ltd. are both Credit Services companies. Weidai Ltd. Sponsored ADR and Yirendai Ltd. are of similar size ($67.7M and $67.6M). Yirendai Ltd. grew revenue faster over the last twelve months: −24.5% against −26.6%. Weidai Ltd. Sponsored ADR has the higher net margin (−29.5% vs −33.5%) and the higher return on invested capital (0.00% vs −19.3%). Across the 16 metrics below, Weidai Ltd. Sponsored ADR leads on 9 and Yirendai Ltd. on 7.

Valuation

Metric WEI YRD Credit Services median
P/E n/m n/m 9.39
P/S 0.03 0.10 0.86
P/B 0.07 0.06 1.16
Price to free cash flow 0.03 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (145.83%) (335.65%) 6.55%
Free cash flow yield 3,994.21% (146.82%) 12.26%

Profitability

Metric WEI YRD Credit Services median
Gross margin 0.00% 81.85% 77.13%
Operating margin 0.00% (36.38%) 0.34%
Net margin (29.49%) (33.54%) 9.25%
Free cash flow margin 0.00% (14.04%) 12.91%
Return on equity (36.15%) (17.77%) 8.49%
Return on assets (20.21%) (12.46%) 2.16%
Return on invested capital 0.00% (19.34%) 4.09%

Growth

Metric WEI YRD Credit Services median
Revenue growth (TTM) (26.60%) (24.50%) 4.62%
EPS growth (last fiscal year) (63.87%) (97.18%) 21.94%
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 0.00 0.00 0.68
Current ratio 2.20 3.26 1.55
Net debt to EBITDA 0.67 22.78 0.13

Dividend

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

Size

Metric WEI YRD Credit Services median
Market cap 67.64m 67.69m 751.08m

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