Financial Contrast: Yext (YEXT) vs. Yirendai (YRD)

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

Profitability

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

Net Margins Return on Equity Return on Assets
Yext N/A N/A N/A
Yirendai 27.09% 70.10% 29.13%

Analyst Recommendations

This is a breakdown of current ratings and price targets for Yext and Yirendai, as reported by MarketBeat.com.

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

Yext currently has a consensus price target of $16.20, suggesting a potential upside of 13.21%. Yirendai has a consensus price target of $55.00, suggesting a potential upside of 37.98%. Given Yirendai’s stronger consensus rating and higher probable upside, analysts clearly believe Yirendai is more favorable than Yext.

Valuation & Earnings

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Yext $124.26 million 10.39 -$43.15 million ($0.87) -16.45
Yirendai $466.37 million 5.11 $160.79 million $3.15 12.65

Yirendai has higher revenue and earnings than Yext. Yext is trading at a lower price-to-earnings ratio than Yirendai, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

28.9% of Yext shares are held by institutional investors. Comparatively, 8.8% of Yirendai shares are held by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Dividends

Yirendai pays an annual dividend of $1.48 per share and has a dividend yield of 3.7%. Yext does not pay a dividend. Yirendai pays out 47.0% of its earnings in the form of a dividend.

Summary

Yirendai beats Yext on 9 of the 12 factors compared between the two stocks.

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.

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.

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