Comparing Yirendai (YRD) & Yext (YEXT)

Yirendai (NYSE: YRD) and Yext (NYSE:YEXT) are both computer and technology companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, profitability, dividends, institutional ownership, risk and earnings.

Profitability

This table compares Yirendai and Yext’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Yirendai 27.09% 70.10% 29.13%
Yext -40.63% -157.17% -38.67%

Institutional and Insider Ownership

8.8% of Yirendai shares are held by institutional investors. Comparatively, 28.9% of Yext shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Yirendai and Yext’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Yirendai $466.37 million 4.62 $160.79 million $3.15 11.44
Yext $124.26 million 9.30 -$43.15 million N/A N/A

Yirendai has higher revenue and earnings than Yext.

Dividends

Yirendai pays an annual dividend of $1.48 per share and has a dividend yield of 4.1%. Yext does not pay a dividend. Yirendai pays out 47.0% of its earnings in the form of a dividend.

Analyst Ratings

This is a summary of current recommendations and price targets for Yirendai and Yext, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Yirendai 0 0 3 0 3.00
Yext 0 2 3 0 2.60

Yirendai presently has a consensus target price of $55.00, suggesting a potential upside of 52.57%. Yext has a consensus target price of $16.20, suggesting a potential upside of 27.86%. Given Yirendai’s stronger consensus rating and higher probable upside, research analysts clearly believe Yirendai is more favorable than Yext.

Summary

Yirendai beats Yext on 8 of the 11 factors compared between the two stocks.

Yirendai Company Profile

Yirendai Ltd. is engaged in online consumer finance marketplace business in China. The Company conducts its business in China, through Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. (Heng Ye) and its consolidated variable interest entity, Heng Cheng Technology Development (Beijing) Co., Ltd. (Heng Cheng). Heng Cheng operates its Website, www.yirendai.com, and has an Internet content provider (ICP) license as an Internet information provider. Its online marketplace facilitates standard loan products, express loan products and vertical loan products to borrowers. Uses for these loan products include home remodels, durable good purchases, travel and continuing education. Its online marketplace provides investors with various investing tools, such as automated investing tool and self-directed investing tool. It maintains a secondary loan market on its marketplace where investors can transfer the loans they hold prior to maturity at the fair value of the remaining loans.

Yext Company Profile

Yext Inc. is a knowledge engine provider. Yext puts business on the map. The Yext Knowledge Engine enables companies to manage their digital knowledge in the cloud and sync it to over 100 services in the PowerListings Network, including Apple Maps, Bing, Cortana, Facebook, Google, Google Maps, Instagram, Siri and Yelp. Yext Listings, Pages and Reviews help businesses around the globe and facilitate face-to-face digital interactions. Yext Knowledge Engine enables businesses to control and manage their digital knowledge and makes it available through the PowerListings Network of over 100 third-party maps, apps, search engines, intelligent GPS systems, digital assistants, vertical directories and social networks in a complete, up to date and accurate manner.

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