Yirendai (YRD) stock: a plenty of upside

6:04 am ET, 28 Aug 2018

Yirendai Ltd. (YRD) shares are trading at $18.72, prior to the earnings today. What's driving Yirendai's stock price? What's YRD stock price forecast?

This online consumer finance marketplace in China connects investors and individual borrowers and provides consumers with an easy access to affordable credit.  The company's borrowers and investors come from a variety of channels, including online sources, such as the Internet and its mobile applications, as well as offline sources. 

Yirendai is well positioned in the expanding Chinese P2P lending industry.  P2P lending has a potentially huge market in China that could actually be enhanced by the government's development of its Social Credit System.

Yirendai has strong revenue growth, a good return on equity, an attractive valuation, a nice cash flow, is free of debt, and plans on continuing to pay a dividend.

However, one risk that Yirendai faces is regulatory.  Chinese regulators continue to try and clean up the wild west business of P2P lending by - among other things - pushing for some to exit the industry.  

What is the sentiment towards the YRD stock? Our technical analysis shows that: 

  • The stock short-term sentiment (next 30 days) is trending positive;
  • The mid-term sentiment (3-6 months) is trending positive;
  • The long-term sentiment (9-12 months) is trending positive. 


Yirendai Ltd. (YRD) forward P/E ratio is 3.36, and it’s low compared to its industry peers’ P/E ratios.

Yirendai Ltd. (YRD) average analyst price target ($42.90) is 139% above its current price ($17.95).

For the latest price and information on Yirendai Ltd., please visit Finstead and search for "YRD price" or "YRD news".

Yirendai Ltd. (YRD) Stock Guide

Updated at: 9:11 pm ET, 18 Sep 2020

Before we start: if you're looking for YRD stock price, you can quickly find it out by visiting Finny and typing "YRD quote". If you're looking for a quick scoop on YRD stock (chart, price target, market cap, news and buy or sell analysis), go to Finny and look for "YRD". You'll get all this info in one place. Or you can just type "YRD news" to get the latest stock news.

Looking to buy or sell Yirendai Ltd. (YRD)? Interested in getting the full scoop on YRD, including earnings and dividends, stock forecast, buy or sell analysis and key stats? If so, you came to the right place.

In this YRD stock guide, we'll address key questions about YRD, above and beyond what you can find on Yahoo Finance, Zacks, MarketWatch or Morningstar.

Here is what you'll be able to find in this guide:

Earnings and Dividends: earnings, earnings date, dividend rate and dividend yield;
Analyst Predictions: stock forecast and analyst ratings;
Analysis: Finny Score and buy or sell analysis;
Key Stats: revenue, market cap, revenue growth, profit margin, P/E ratio, P/B ratio, industry, sector, and number of employees.

And here is the list of questions we'll answer:
1. What are YRD earnings?
2. What is YRD stock forecast (i.e., prediction)?
3. YRD buy or sell? What is YRD Finny Score?
4. What are the reasons to buy YRD? Why should I buy YRD stock?
5. What are the reasons to sell YRD? Why should I sell YRD stock?
6. What are YRD key stats: revenue, market cap, revenue growth, profit margin, P/E ratio, P/B ratio industry, sector, and number of employees?

So let's start. Scroll down to the question that interests you the most.

Earnings and Dividends

1. What are YRD earnings?

YRD trailing 12-month earnings per share (EPS) is $2.66.

Analyst Predictions

2. What is YRD stock forecast (i.e., prediction)?

Based on YRD analyst price targets, YRD stock forecast is $3.45 (for a year from now). That means the average analyst price target for YRD stock is $3.45. The prediction is based on 8 analyst estimates.

The low price target for YRD is $2.56, while the high price target is $4.45.

YRD analyst rating is Buy.

Analysis

3. YRD buy or sell? What is YRD Finny Score?

#{finnyScore:75}Our quantitative analysis shows 6 reasons to buy and 2 reasons to sell YRD, resulting in Finny Score of 75.

4. What are the reasons to buy YRD? Why should I buy YRD stock?

Here are the reasons to buy YRD stock:

5. What are the reasons to sell YRD? Why should I sell YRD stock?

Let's look at the reasons to sell YRD stock (i.e., the bear case):

  • YRD quarterly revenue growth was -66.00%, lower than the industry and sector average revenue growth (1.72% and 1.27%, respectively). See YRD revenue growth chart.
  • YRD short interest (days to cover the shorts) ratio is 6.77. The stock garners more short interest than the average industry, sector or S&P 500 stock. See YRD short interest ratio chart.

Key Stats

6. What are YRD key stats : revenue, market cap, revenue growth, profit margin, P/E ratio, P/B ratio industry, sector, and number of employees?

Let's look at the key statistics for YRD:

Metrics YRD
Price $2.85
Average Price Target / Upside $3.45 / 21.05%
Average Analyst Rating Hold
Forward Dividend Yield 0.00%
Industry Credit Services
Sector Financial Services
Number of Employees 1,037
Market Cap $293.11M
Forward P/E Ratio 3.31
Price/Book Ratio N/A
Revenue (TTM) N/A
YoY Quarterly Revenue Growth -66.00%
Profit Margin 6.76%

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