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X Financial Sponsored ADR (XYF) vs Yirendai Ltd. (YRD)

X Financial Sponsored ADR and Yirendai Ltd. are both Credit Services companies. X Financial Sponsored ADR is the larger, with a market value of $107.3M against $31.7M — 3.4× the size. Yirendai Ltd. has negative trailing earnings, so its P/E is not meaningful; X Financial Sponsored ADR trades at 2.2×. X Financial Sponsored ADR grew revenue faster over the last twelve months: −20.1% against −24.5%. X Financial Sponsored ADR has the higher net margin (10.3% vs −33.5%) and the higher return on invested capital (7.47% vs −19.3%). Only X Financial Sponsored ADR pays a dividend (12.0%). Across the 18 metrics below, X Financial Sponsored ADR leads on 13 and Yirendai Ltd. on 5.

Valuation

Metric XYF YRD Credit Services median
P/E 2.17 n/m 8.96
P/S 0.21 0.05 1.00
P/B 0.15 0.03 1.23
Price to free cash flow 0.31 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 46.16% (697.22%) 7.17%
Free cash flow yield 326.75% (305.88%) 11.75%

Profitability

Metric XYF YRD Credit Services median
Gross margin 65.54% 81.85% 76.61%
Operating margin 13.22% (36.38%) 0.34%
Net margin 10.30% (33.54%) 8.35%
Free cash flow margin 0.00% (14.04%) 8.73%
Return on equity 7.66% (17.77%) 9.05%
Return on assets 4.60% (12.46%) 1.94%
Return on invested capital 7.47% (19.34%) 4.56%

Growth

Metric XYF YRD Credit Services median
Revenue growth (TTM) (20.10%) (24.50%) 4.49%
EPS growth (last fiscal year) 16.67% (98.20%) 21.94%
Revenue growth, 5-year CAGR 26.59% 6.14% 9.22%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric XYF YRD Credit Services median
Debt to equity 0.05 0.00 0.69
Current ratio 2.06 3.26 1.26
Net debt to EBITDA (1.05) 22.78 0.11

Dividend

Metric XYF YRD Credit Services median
Dividend yield 11.99% 0.00% 1.64%
Payout ratio 0.27 — 0.21

Size

Metric XYF YRD Credit Services median
Market cap 107.25m 31.65m 759.73m

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