Yirendai (NYSE:YRD – Get Free Report) and ZKH Group (NYSE:ZKH – Get Free Report) are both small-cap computer and technology companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, dividends, institutional ownership, valuation, analyst recommendations, profitability and earnings.
Profitability
This table compares Yirendai and ZKH Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Yirendai | 21.07% | 13.42% | 9.73% |
| ZKH Group | -2.65% | -7.57% | -3.59% |
Analyst Recommendations
This is a summary of recent recommendations and price targets for Yirendai and ZKH Group, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Yirendai | 0 | 0 | 0 | 0 | 0.00 |
| ZKH Group | 0 | 0 | 1 | 0 | 3.00 |
Volatility and Risk
Yirendai has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500. Comparatively, ZKH Group has a beta of 0.37, suggesting that its stock price is 63% less volatile than the S&P 500.
Insider & Institutional Ownership
2.0% of Yirendai shares are held by institutional investors. Comparatively, 9.5% of ZKH Group shares are held by institutional investors. 42.2% of Yirendai shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Earnings & Valuation
This table compares Yirendai and ZKH Group”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Yirendai | $795.41 million | 0.62 | $216.77 million | $2.06 | 2.79 |
| ZKH Group | $1.20 billion | 0.39 | -$37.28 million | ($0.20) | -14.25 |
Yirendai has higher earnings, but lower revenue than ZKH Group. ZKH Group is trading at a lower price-to-earnings ratio than Yirendai, indicating that it is currently the more affordable of the two stocks.
Summary
Yirendai beats ZKH Group on 9 of the 14 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 ZKH Group
ZKH Group Limited develops and operates a maintenance, repair, and operating (MRO) products trading and service platform that offers spare parts, chemicals, manufacturing parts, general consumables, and office supplies in the People’s Republic of China. The company provides MRO procurement and management services; digitalized MRO procurement solutions; and logistics and warehousing services. It also engages in the production and sale of intelligent warehousing equipment. ZKH Group Limited was founded in 1998 and is based in Shanghai, the People’s Republic of China.
Receive News & Ratings for Yirendai Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Yirendai and related companies with MarketBeat.com's FREE daily email newsletter.
