Head-To-Head Contrast: Chineseinvestors.Com (OTCMKTS:CIIX) and Yirendai (NYSE:YRD)

Yirendai (NYSE:YRD) and Chineseinvestors.Com (OTCMKTS:CIIX) are both computer and technology companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, institutional ownership, analyst recommendations, profitability, valuation, earnings and risk.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Yirendai	20.19%	12.66%	8.93%
Chineseinvestors.Com	N/A	N/A	N/A

Insider & Institutional Ownership

2.0% of Yirendai shares are held by institutional investors. 42.2% of Yirendai shares are held by insiders. 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.

Earnings & Valuation

This table compares Yirendai and Chineseinvestors.Com”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Yirendai	$795.41 million	0.43	$216.77 million	$1.99	2.01
Chineseinvestors.Com	N/A	N/A	N/A	N/A	N/A

Yirendai has higher revenue and earnings than Chineseinvestors.Com.

Analyst Ratings

This is a breakdown of current ratings for Yirendai and Chineseinvestors.Com, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Yirendai	0	1	0	0	2.00
Chineseinvestors.Com	0	0	0	0	0.00

Given Chineseinvestors.Com’s higher probable upside, analysts clearly believe Chineseinvestors.Com is more favorable than Yirendai.

Summary

Yirendai beats Chineseinvestors.Com on 7 of the 8 factors compared between the two stocks.

About Yirendai

Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

About Chineseinvestors.Com

Chineseinvestors.com, Inc. engages in the provision of Chinese language web-based real-time financial information. Its services include real-time market commentary, analysis, and educational-related services in Chinese language character sets, support services, consultancy services to smaller private companies considering becoming a public company, and advertising and public relation-related support services. The company was founded by Wei Wang on January 6, 1997 and is headquartered in San Gabriel, CA.