Comparing Yirendai (NYSE:YRD) & Viewtran Group (OTCMKTS:VIEWF)

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

Institutional & Insider Ownership

2.0% of Yirendai shares are held by institutional investors. 42.2% of Yirendai shares are held by company insiders. Comparatively, 29.2% of Viewtran Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current ratings for Yirendai and Viewtran Group, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Yirendai	0	1	0	0	2.00
Viewtran Group	0	0	0	0	0.00

Given Viewtran Group’s higher possible upside, analysts clearly believe Viewtran Group is more favorable than Yirendai.

Profitability

This table compares Yirendai and Viewtran Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Yirendai	20.19%	12.91%	9.28%
Viewtran Group	N/A	N/A	N/A

Volatility and Risk

Yirendai has a beta of 0.85, meaning that its share price is 15% less volatile than the S&P 500. Comparatively, Viewtran Group has a beta of -2.97, meaning that its share price is 397% less volatile than the S&P 500.

Earnings & Valuation

This table compares Yirendai and Viewtran 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	0.48	$216.77 million	$1.99	2.20
Viewtran Group	N/A	N/A	N/A	N/A	N/A

Yirendai has higher revenue and earnings than Viewtran Group.

Summary

Yirendai beats Viewtran Group on 8 of the 9 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 Viewtran Group

Viewtran Group, Inc. provides supply chain financial services and enterprise solutions for the technology industry in China. It offers software development and technical deployment services; and hardware, software, and technical services. The company was formerly known as Cogo Group, Inc. and changed its name to Viewtran Group, Inc. in November 2013. Viewtran Group, Inc. is based in Shenzhen, China.