X Financial Sponsored ADR (XYF) vs Yirendai Ltd. (YRD)
- X Financial Sponsored ADR XYF 4.99 −2.54%
- Yirendai Ltd. YRD 0.75 −3.85%
X Financial Sponsored ADR and Yirendai Ltd. are both Credit Services companies. X Financial Sponsored ADR is the larger, with a market value of $116.8M against $67.7M — 1.7× the size. Yirendai Ltd. has negative trailing earnings, so its P/E is not meaningful; X Financial Sponsored ADR trades at 2.3×. 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 (11.2%). Across the 18 metrics below, X Financial Sponsored ADR leads on 13 and Yirendai Ltd. on 5.
Valuation
Profitability
| Metric | XYF | YRD | Credit Services median |
|---|---|---|---|
| Gross margin | 65.54% | 81.85% | 77.13% |
| Operating margin | 13.22% | (36.38%) | 0.34% |
| Net margin | 10.30% | (33.54%) | 9.25% |
| Free cash flow margin | 0.00% | (14.04%) | 12.91% |
| Return on equity | 7.66% | (17.77%) | 8.49% |
| Return on assets | 4.60% | (12.46%) | 2.16% |
| Return on invested capital | 7.47% | (19.34%) | 4.09% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack