Golden Bull (NASDAQ:DNJR) and Yirendai (NYSE:YRD) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, valuation, profitability, institutional ownership, risk, dividends and earnings.
This table compares Golden Bull and Yirendai’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a summary of current recommendations for Golden Bull and Yirendai, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Yirendai has a consensus target price of $35.00, suggesting a potential upside of 113.41%. Given Yirendai’s higher probable upside, analysts clearly believe Yirendai is more favorable than Golden Bull.
Valuation & Earnings
This table compares Golden Bull and Yirendai’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Golden Bull||$6.95 million||13.08||-$940,000.00||N/A||N/A|
|Yirendai||$852.00 million||1.17||$210.83 million||$3.45||4.75|
Yirendai has higher revenue and earnings than Golden Bull.
Yirendai pays an annual dividend of $0.52 per share and has a dividend yield of 3.2%. Golden Bull does not pay a dividend. Yirendai pays out 15.1% of its earnings in the form of a dividend.
Insider and Institutional Ownership
11.7% of Yirendai shares are owned by institutional investors. 42.2% of Yirendai shares are owned 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.
Yirendai beats Golden Bull on 9 of the 11 factors compared between the two stocks.
About Golden Bull
Golden Bull Limited operates as an online finance marketplace company in the People's Republic of China. The company's online marketplace connects individual lenders with individual and small business borrowers for short-term loans. It also provides investment and financing consultancy, and technical services. The company was founded in 2015 and is headquartered in Shanghai, the People's Republic of China.
Yirendai Ltd. operates as an online consumer finance marketplace that connects borrowers and investors primarily in the People's Republic of China. It offers standard loan products; and fasttrack loan products through mobile applications. The company also provides investing tools. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yirendai Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
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