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Equifax Inc. (EFX) and Yirendai Ltd. (NYSE:YRD) Comparing side by side

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Both Equifax Inc. (NYSE:EFX) and Yirendai Ltd. (NYSE:YRD) compete on a level playing field in the Credit Services industry. We will evaluate their performance with regards to dividends, analyst recommendations, institutional ownership, profitability, risk, earnings and valuation.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Equifax Inc. 139 7.52 120.30M -3.53 0.00
Yirendai Ltd. 6 -86.57 12.64M 2.21 5.07

We can see in table 1 the earnings per share (EPS), top-line revenue and valuation of Equifax Inc. and Yirendai Ltd.

Profitability

Table 2 provides us Equifax Inc. and Yirendai Ltd.’s return on assets, return on equity and net margins.

Net Margins Return on Equity Return on Assets
Equifax Inc. 86,740,211.98% -14.9% -5.8%
Yirendai Ltd. 194,461,538.46% 0% 0%

Volatility & Risk

Equifax Inc. has a beta of 1.25 and its 25.00% more volatile than Standard & Poor’s 500. Competitively, Yirendai Ltd.’s beta is 2.61 which is 161.00% more volatile than Standard & Poor’s 500.

Analyst Ratings

The next table highlights the given recommendations and ratings for Equifax Inc. and Yirendai Ltd.

Sell Ratings Hold Ratings Buy Ratings Rating Score
Equifax Inc. 1 1 2 2.50
Yirendai Ltd. 1 1 0 2.50

The average target price of Equifax Inc. is $114.6, with potential downside of -17.03%. Meanwhile, Yirendai Ltd.’s average target price is $6.51, while its potential upside is 29.68%. Based on the analysts view we can conclude, Yirendai Ltd. is looking more favorable than Equifax Inc.

Institutional and Insider Ownership

Institutional investors held 96.9% of Equifax Inc. shares and 7.2% of Yirendai Ltd. shares. Insiders held roughly 0.5% of Equifax Inc.’s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Equifax Inc. -2.22% 2.4% 11.75% 31.34% 10.78% 49.35%
Yirendai Ltd. -4.6% -19.09% -26.57% 1.82% -37.87% 4.09%

For the past year Equifax Inc. has stronger performance than Yirendai Ltd.

Summary

Yirendai Ltd. beats Equifax Inc. on 7 of the 12 factors.

Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers. The company operates through four segments: U.S. Information Solutions (USIS), International, Workforce Solutions, and Global Consumer Solutions. The USIS segment offers consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting; mortgage loan origination information; financial marketing; and identity management services. The International segment provides information service products, which include consumer and commercial services, such as credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as offers information, technology, and services to support debt collections and recovery management. The Workforce Solutions segment provides employment, income, and social security number verification services; and payroll-based transaction and employment tax management services. The Global Consumer Solutions segment offers credit information, credit monitoring, and identity theft protection products directly to consumers through the Internet and hard-copy formats. Equifax Inc. serves customers in financial service, mortgage, human resource, consumer, commercial, telecommunication, retail, automotive, utility, brokerage, healthcare, and insurance industries, as well as state and federal governments. It operates in the United States, Canada, Argentina, Brazil, Australia, New Zealand, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Uruguay, Peru, Portugal, the Republic of Ireland, Spain, the United Kingdom, Cambodia, Malaysia, India, Russia, and Singapore. Equifax Inc. was founded in 1899 and is headquartered in Atlanta, Georgia.

Yirendai Ltd. operates as an online consumer finance marketplace that connects borrowers and investors primarily in the PeopleÂ’s Republic of China. It offers standard and fasttrack loan products. The company also provides investing tools. The company was founded in 2012 and is based in Beijing, the PeopleÂ’s Republic of China. Yirendai Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.

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Source: on 2019-11-22 19:22:30

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