Financial Review: Yirendai (YRD) and Angie’s List (ANGI)
Yirendai (NYSE: YRD) and Angie’s List (NASDAQ:ANGI) are both computer and technology companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, profitability, institutional ownership, valuation, risk and dividends.
This table compares Yirendai and Angie’s List’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Volatility and Risk
Yirendai has a beta of 8.56, suggesting that its stock price is 756% more volatile than the S&P 500. Comparatively, Angie’s List has a beta of 1.34, suggesting that its stock price is 34% more volatile than the S&P 500.
Institutional & Insider Ownership
6.9% of Yirendai shares are held by institutional investors. Comparatively, 82.3% of Angie’s List shares are held by institutional investors. 42.2% of Yirendai shares are held by company insiders. Comparatively, 18.2% of Angie’s List shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
This is a breakdown of recent recommendations and price targets for Yirendai and Angie’s List, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Yirendai currently has a consensus price target of $29.00, suggesting a potential downside of 35.15%. Angie’s List has a consensus price target of $9.81, suggesting a potential downside of 15.99%. Given Angie’s List’s higher probable upside, analysts plainly believe Angie’s List is more favorable than Yirendai.
Earnings and Valuation
This table compares Yirendai and Angie’s List’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Yirendai||$628.44 million||4.26||$211.24 million||$3.26||13.72|
|Angie’s List||$302.30 million||2.35||$3.60 million||($0.23)||-50.78|
Yirendai has higher revenue and earnings than Angie’s List. Angie’s List is trading at a lower price-to-earnings ratio than Yirendai, indicating that it is currently the more affordable of the two stocks.
Yirendai beats Angie’s List on 9 of the 11 factors compared between the two stocks.
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.
About Angie’s List
Angie’s List, Inc. operates a national local services consumer review service and marketplace. As of December 31, 2016, the Company helped facilitate transactions between over five million members and its collection of service providers in over 700 categories of service nationwide. Its tools, services and content across multiple platforms enables consumers to research, shop for and purchase local services for needs, as well as rate and review the providers of these services across the United States. Its ratings and reviews assist its members in identifying and hiring the provider for their local service needs. Its services include member services and service provider services. It compiles a breadth of relevant, member-generated ratings and reviews that provide insights, which could otherwise be difficult for consumers to obtain on their own. Its primary source of service provider revenue is term-based sales of advertising to service providers.
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