Yirendai (NYSE:YRD) vs. Viewtran Group (OTCMKTS:VIEWF) Head-To-Head Analysis

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

Analyst Recommendations

This is a summary of recent ratings for Viewtran Group and Yirendai, as reported by MarketBeat.com.

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

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

Volatility and Risk

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Viewtran Group	N/A	N/A	N/A
Yirendai	21.07%	13.42%	9.73%

Insider & Institutional Ownership

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

Valuation & Earnings

This table compares Viewtran Group and Yirendai”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Viewtran Group	N/A	N/A	N/A	N/A	N/A
Yirendai	$795.41 million	0.46	$216.77 million	$2.06	2.08

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 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.

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.