Katapult (NASDAQ:KPLT – Get Free Report) and Yirendai (NYSE:YRD – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, profitability, earnings, analyst recommendations, institutional ownership, dividends and valuation.
Analyst Recommendations
This is a summary of current recommendations and price targets for Katapult and Yirendai, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Katapult | 1 | 0 | 0 | 0 | 1.00 |
| Yirendai | 1 | 0 | 0 | 0 | 1.00 |
Risk & Volatility
Katapult has a beta of 1.55, suggesting that its share price is 55% more volatile than the S&P 500. Comparatively, Yirendai has a beta of 1.14, suggesting that its share price is 14% more volatile than the S&P 500.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Katapult | 3.60% | -26.41% | 10.86% |
| Yirendai | -14.35% | -7.58% | -5.21% |
Valuation and Earnings
This table compares Katapult and Yirendai”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Katapult | $291.76 million | 0.16 | $1.37 million | $1.37 | 6.75 |
| Yirendai | $5.07 billion | 0.02 | $7.80 million | ($1.18) | -0.84 |
Yirendai has higher revenue and earnings than Katapult. Yirendai is trading at a lower price-to-earnings ratio than Katapult, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
26.8% of Katapult shares are held by institutional investors. Comparatively, 2.0% of Yirendai shares are held by institutional investors. 8.0% of Katapult shares are held by insiders. Comparatively, 42.2% of Yirendai shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Summary
Katapult beats Yirendai on 7 of the 11 factors compared between the two stocks.
About Katapult
Katapult Holdings, Inc., an e-commerce focused financial technology company, provides e-commerce point-of-sale lease-purchase options for nonprime consumers in the United States. The company's technology platform provides nonprime consumers with a lease purchase option to enable them to obtain durable goods from its network of e-commerce retailers. It also offers Katapult Pay, a one-time use virtual card technology that makes lease purchasing and transactions. The company was formerly known as Cognical Holdings, Inc. and changed its name to Katapult Holdings, Inc. in February 2020. The company is headquartered in Plano, Texas.
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.
Receive News & Ratings for Katapult Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Katapult and related companies with MarketBeat.com's FREE daily email newsletter.
