Is Yirendai Stock a Good Investment?

Yirendai Investment Advice

YRD

To provide specific investment advice or recommendations on Yirendai stock, we recommend investors consider the following general factors when evaluating Yirendai. This will help you to make an informed decision on whether to include Yirendai in one of your diversified portfolios:

Examine Yirendai's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
Research Yirendai's leadership team and their track record. Good management can help Yirendai navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
Consider the overall health of the Consumer Finance space and any emerging trends that could impact Yirendai's business and its evolving consumer preferences.
Compare Yirendai's performance and market position to its competitors. Analyze how Yirendai is positioned in terms of product offerings, innovation, and market share.
Check if Yirendai pays a dividend and its dividend yield and payout ratio.
Review what financial analysts are saying about Yirendai's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.

It's important to note that investing in Yirendai stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Yirendai is a good investment.

Sell

Buy

Strong Sell

We provide recommendation to complement the prevalent expert consensus on Yirendai. Our dynamic recommendation engine utilizes a multidimensional algorithm to analyze the firm's potential to grow using all technical and fundamental data available at the time. To make sure Yirendai is not overpriced, please check out all Yirendai fundamentals, including its current ratio, and the relationship between the net income and price to earnings to growth . Given that Yirendai has a price to earning of 0.68 X, we strongly advise you to confirm Yirendai market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your prevalent risk tolerance and investing horizon.

Market Performance	Weak	Details
Volatility	Very risky	Details
Hype Condition	Low key	Details
Current Valuation	Overvalued	Details
Odds Of Distress	Very Low	Details
Economic Sensitivity	Moves indifferently to market moves	Details
Investor Sentiment	Interested	Details
Analyst Consensus	Strong Sell	Details
Financial Strenth (F Score)	Strong	Details
Financial Leverage	Inapplicable	Details
Reporting Quality (M-Score)	Unlikely Manipulator	Details

Examine Yirendai Stock

Researching Yirendai's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). The company has Price to Book (P/B) ratio of 0.44. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. Yirendai has Price/Earnings To Growth (PEG) ratio of 1.24. The entity last dividend was issued on the 27th of April 2018.

To determine if Yirendai is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Yirendai's research are outlined below:

	Yirendai had very high historical volatility over the last 90 days
	Yirendai has a strong financial position based on the latest SEC filings

Yirendai Quarterly Cash And Short Term Investments

5.87 Billion

Yirendai uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Yirendai. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Yirendai's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.

	21st of March 2024 Upcoming Quarterly Report	View
	31st of December 2023 Next Fiscal Quarter End	View

Yirendai Analyst Ratings

Yirendai's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Yirendai stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Yirendai's financials, market performance, and future outlook by experienced professionals. Yirendai's historical ratings below, therefore, can serve as a valuable tool for investors.

Know Yirendai's Top Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Yirendai is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Yirendai backward and forwards among themselves. Yirendai's institutional investor refers to the entity that pools money to purchase Yirendai's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.

		Shares
Group One Trading, Lp	2023-09-30	526
Advisor Group Holdings, Inc.	2023-09-30	383
Simplex Trading, Llc	2023-09-30	12.0
Royal Bank Of Canada	2023-09-30	0.0
Bnp Paribas Arbitrage, Sa	2023-09-30	0.0
Virtu Financial Llc	2023-09-30	0.0
Envestnet Asset Management Inc	2023-12-31	0.0
Dimensional Fund Advisors, Inc.	2023-12-31	868.2 K
Renaissance Technologies Corp	2023-12-31	248.4 K
Acadian Asset Management Llc	2023-09-30	97.5 K
Connor Clark & Lunn Inv Mgmt Ltd	2023-09-30	57.4 K

Note, although Yirendai's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Yirendai's market capitalization trends

The company currently falls under 'Small-Cap' category with a total capitalization of 438.63 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Yirendai's market, we take the total number of its shares issued and multiply it by Yirendai's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.

Market Cap

1.88 Billion

Yirendai's profitablity analysis

Yirendai's profitability indicators refer to fundamental financial ratios that showcase Yirendai's ability to generate income relative to its revenue or operating costs. If, let's say, Yirendai is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Yirendai's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Yirendai's profitability requires more research than a typical breakdown of Yirendai's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.

	Last Reported	Projected for Next Year
Return On Tangible Assets	0.20	0.21
Return On Capital Employed	0.30	0.31
Return On Assets	0.20	0.21
Return On Equity	0.26	0.27

The company has Net Profit Margin of 0.42 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.54 %, which entails that for every 100 dollars of revenue, it generated $0.54 of operating income.

Determining Yirendai's profitability involves analyzing its financial statements and using various financial metrics to determine if Yirendai is a good buy. For example, gross profit margin measures Yirendai's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Yirendai's profitability and make more informed investment decisions.

The data published in Yirendai's official financial statements usually reflect Yirendai's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Yirendai. For example, before you start analyzing numbers published by Yirendai accountants, it's critical to develop an understanding of what Yirendai's liquidity, profitability, and earnings quality are in the context of the Consumer Finance space in which it operates.

Please note, the presentation of Yirendai's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Yirendai's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Yirendai's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Yirendai. Please utilize our Beneish M Score to check the likelihood of Yirendai's management manipulating its earnings.

Evaluate Yirendai's management efficiency

Yirendai has Return on Asset of 0.1724 % which means that on every $100 spent on assets, it made $0.1724 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.2947 %, implying that it generated $0.2947 on every 100 dollars invested. Yirendai's management efficiency ratios could be used to measure how well Yirendai manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Tangible Assets is expected to grow to 0.21. The current year's Return On Capital Employed is expected to grow to 0.31. At present, Yirendai's Other Assets are projected to increase significantly based on the last few years of reporting. The current year's Other Current Assets is expected to grow to about 1.5 B, whereas Non Current Assets Total are forecasted to decline to about 593.3 M.

	Last Reported	Projected for Next Year
Book Value Per Share	90.50	95.02
Net Current Asset Value	305.1 M	153.9 M
Tangible Asset Value	881.2 M	925.3 M
Tangible Book Value Per Share	90.50	95.02
Enterprise Value Over EBITDA	(1.45)	(1.52)
Price Book Value Ratio	0.24	0.23
Enterprise Value Multiple	(1.45)	(1.52)
Price Fair Value	0.24	0.23
Enterprise Value	-3.8 B	-3.6 B

The analysis of Yirendai's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Yirendai's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Yirendai Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.

Beta

0.706

Basic technical analysis of Yirendai Stock

As of the 27th of April, Yirendai maintains the Downside Deviation of 4.71, market risk adjusted performance of (2.11), and Mean Deviation of 3.55. Relative to fundamental indicators, the technical analysis model lets you check existing technical drivers of Yirendai, as well as the relationship between them. Specifically, you can use this information to find out if the company will indeed mirror its model of past data patterns, or the prices will eventually revert. We were able to interpolate data for nineteen technical drivers for Yirendai, which can be compared to its peers. Please check out Yirendai jensen alpha and downside variance to decide if Yirendai is priced fairly, providing market reflects its latest price of 5.08 per share. Given that Yirendai has jensen alpha of 0.2876, we strongly advise you to confirm Yirendai's prevalent market performance to make sure the company can sustain itself at a future point.

Understand Yirendai's technical and predictive indicators

Using predictive indicators to make investment decisions involves analyzing Yirendai's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.

	Risk Adjusted Performance	0.0457
	Market Risk Adjusted Performance	(2.11)
	Mean Deviation	3.55
	Semi Deviation	4.47
	Downside Deviation	4.71
	Coefficient Of Variation	1686.46
	Standard Deviation	4.84
	Variance	23.46
	Information Ratio	0.0409
	Jensen Alpha	0.2876
	Total Risk Alpha	(0.34)
	Sortino Ratio	0.042
	Treynor Ratio	(2.12)
	Maximum Drawdown	29.03
	Value At Risk	(7.89)
	Potential Upside	7.6
	Downside Variance	22.2
	Semi Variance	19.95
	Expected Short fall	(4.06)
	Skewness	0.0968
	Kurtosis	1.58

	Risk Adjusted Performance	0.0457
	Market Risk Adjusted Performance	(2.11)
	Mean Deviation	3.55
	Semi Deviation	4.47
	Downside Deviation	4.71
	Coefficient Of Variation	1686.46
	Standard Deviation	4.84
	Variance	23.46
	Information Ratio	0.0409
	Jensen Alpha	0.2876
	Total Risk Alpha	(0.34)
	Sortino Ratio	0.042
	Treynor Ratio	(2.12)
	Maximum Drawdown	29.03
	Value At Risk	(7.89)
	Potential Upside	7.6
	Downside Variance	22.2
	Semi Variance	19.95
	Expected Short fall	(4.06)
	Skewness	0.0968
	Kurtosis	1.58

Consider Yirendai's intraday indicators

Yirendai intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Yirendai stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

	Accumulation Distribution	4051.32
	Daily Balance Of Power	0.2667
	Rate Of Daily Change	1.01
	Day Median Price	5.16
	Day Typical Price	5.13
	Price Action Indicator	(0.06)
	Period Momentum Indicator	0.04

Yirendai Corporate Filings

22nd of March 2024

A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.

View Verify

Yirendai time-series forecasting models is one of many Yirendai's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Yirendai's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Yirendai Stock media impact

Far too much social signal, news, headlines, and media speculation about Yirendai that are available to investors today. That information is available publicly through Yirendai media outlets and privately through word of mouth or via Yirendai internal channels. However, regardless of the origin, that massive amount of Yirendai data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.

A primary focus of Yirendai news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Yirendai relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Yirendai's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Yirendai alpha.

Yirendai Sentiment by Major News Outlets

Investor sentiment, mood or attitude towards Yirendai can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.

Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Yirendai without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Yirendai Corporate Directors

Yirendai corporate directors refer to members of a Yirendai board of directors. The board of directors generally takes responsibility for the Yirendai's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Yirendai's board members must vote for the resolution. The Yirendai board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.

Huan Chen	Chief Risk Officer, Director	Profile
Jingsheng Huang	Independent Director	Profile
Sam Hanhui	Independent Director	Profile
Quan Zhou	Director	Profile

How to buy Yirendai Stock?

Examine Yirendai's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
Research Yirendai's leadership team and their track record. Good management can help Yirendai navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
Consider the overall health of the Consumer Finance space and any emerging trends that could impact Yirendai's business and its evolving consumer preferences.
Compare Yirendai's performance and market position to its competitors. Analyze how Yirendai is positioned in terms of product offerings, innovation, and market share.
Check if Yirendai pays a dividend and its dividend yield and payout ratio.
Review what financial analysts are saying about Yirendai's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.

Already Invested in Yirendai?

The danger of trading Yirendai is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Yirendai is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Yirendai. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Yirendai is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.

When determining whether Yirendai is a strong investment it is important to analyze Yirendai's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Yirendai's future performance. For an informed investment choice regarding Yirendai Stock, refer to the following important reports: