Yirendai (NYSE:YRD – Get Free Report) and Chykingyoung Investment Development (OTCMKTS:CHYI – 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 institutional ownership, profitability, dividends, earnings, analyst recommendations, valuation and risk.
Valuation and Earnings
This table compares Yirendai and Chykingyoung Investment Development”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Yirendai | $795.41 million | 0.64 | $216.77 million | $2.06 | 2.87 |
| Chykingyoung Investment Development | $110,000.00 | 485.40 | -$1.10 million | $0.06 | 2.25 |
Profitability
This table compares Yirendai and Chykingyoung Investment Development’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% |
| Chykingyoung Investment Development | N/A | 12,866.70% | 344.13% |
Risk and Volatility
Yirendai has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500. Comparatively, Chykingyoung Investment Development has a beta of 7.18, indicating that its stock price is 618% more volatile than the S&P 500.
Institutional and Insider Ownership
2.0% of Yirendai shares are held by institutional investors. 42.2% of Yirendai shares are held by insiders. Comparatively, 34.6% of Chykingyoung Investment Development shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Analyst Recommendations
This is a summary of recent recommendations for Yirendai and Chykingyoung Investment Development, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Yirendai | 0 | 1 | 0 | 0 | 2.00 |
| Chykingyoung Investment Development | 0 | 0 | 0 | 0 | 0.00 |
Summary
Yirendai beats Chykingyoung Investment Development on 8 of the 12 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 Chykingyoung Investment Development
Chykingyoung Investment Development Holdings Inc., through its subsidiary, OneWorld Hotel Destination Service Inc., provides Internet hotel booking services. The company offers a proprietary online hotel booking program for connecting users with available rooms in hotels worldwide. It primarily serves travel agents in Vancouver, Toronto, Calgary, and Montreal, Canada. The company was founded in 2006 and is based in Vancouver, Canada.
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