360 Finance (NASDAQ:QFIN) and Yirendai (NYSE:YRD) are both computer and technology companies, but which is the superior stock? We will compare the two businesses based on the strength of their profitability, earnings, institutional ownership, analyst recommendations, risk, dividends and valuation.
Institutional & Insider Ownership
0.8% of 360 Finance shares are held by institutional investors. Comparatively, 11.0% of Yirendai shares are held by institutional investors. 42.2% of Yirendai shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
This table compares 360 Finance and Yirendai’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Earnings and Valuation
This table compares 360 Finance and Yirendai’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|360 Finance||$44.99 million||40.93||-$24.22 million||N/A||N/A|
|Yirendai||$852.00 million||0.90||$210.83 million||$3.45||3.66|
Yirendai has higher revenue and earnings than 360 Finance.
This is a breakdown of recent ratings and recommmendations for 360 Finance and Yirendai, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Yirendai has a consensus price target of $35.00, suggesting a potential upside of 176.90%. Given Yirendai’s higher possible upside, analysts plainly believe Yirendai is more favorable than 360 Finance.
Yirendai pays an annual dividend of $0.26 per share and has a dividend yield of 2.1%. 360 Finance does not pay a dividend. Yirendai pays out 7.5% of its earnings in the form of a dividend.
Yirendai beats 360 Finance on 9 of the 13 factors compared between the two stocks.
About 360 Finance
360 Finance, Inc. operates a digital consumer finance platform in China. Its platform provides online consumer finance products to prime and underserved borrowers. The company was founded in 2016 and is headquartered in Shanghai, China.
Yirendai Ltd. operates as an online consumer finance marketplace that connects borrowers and investors primarily in the People's Republic of China. It offers standard loan products; and fasttrack loan products through mobile applications. The company also provides investing tools. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yirendai Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
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