Yirendai Two trades as part of the financial services sector and is in the credit services industry. The company CEO is Yihan Fang. Yirendai provides consumers in China with easy access to affordable credit and investors with attractive investment opportunities. It operates online consumer finance marketplace connecting investors and individual borrowers.

Previous Intraday Performance:

The YRD shares had a previous change of -2.17% which opened at 13.58 and closed at 12.64. It moved to an intraday high of 13.58 and a low of 12.50.

SeekingAlpha:  China cracks down on P2P online lending

Historical Performance:

Over the last five trading days, YRD shares returned 0.08% and in the past 30 trading days it returned 13.16%. Over three months, it changed -10.04%. In one year it has changed -70.81% and within that year its 52-week high was 43.43 and its 52-week low was 9.61. YRD stock is 31.53% above its 52 Week Low.

Our calculations result in a 200 day moving average of 16.67 and a 50 day moving average of 12.05. Right now, YRD stock is trading -24.16% below its 200 day moving average and may not be a great opportunity to buy as it may continue to trend down.

SeekingAlpha:  China cracks down on P2P online lending


The company has a market cap of $766.9m with 60.7m shares outstanding and a float of 60.7m shares. Trading volume was 200,198 shares and has experienced an average volume of 221,832 shares. Our calculation, using the current average volume and close price, leads me to believe that the liquidity is bad, highly speculative and an investor may want to avoid this stock.


The last annual reported EPS for Yirendai Two was 3.45 which ended on 31st of December 2017, which according to the previous close, that is a PE of 3.66. Based on 1 analyst estimate, the estimated EPS for the next quarter is 0.51. The trailing twelve month EPS is 4.26, which comes to a trailing twelve month PE of 2.97.

Below was the last reported quarterly earnings per share:
09-30-2018:  0.35
06-30-2018:  1.08
03-31-2018:  1.72
12-31-2017:  1.11

The dividend per share is currently 0.56, which is a dividend yield of 4.43%. Also, the payout ratio is 13.15%, therefore the dividend is safe according to our calculations. YRD stock has a high dividend yield, but because the company has enough earnings to cover future dividends, it might be a good investment opportunity for an income portfolio.

Base on our calculations, the intrinsic value per share is 55.87, which means it might be undervalued and has a margin of safety of 77.38%

The next earnings report will be: 03-20-2019

EPS growth is an important number as it indicates the future prospects of Yirendai Two; it is typically displayed as a percentage and called the EPS growth rate, which at this time is hard to estimate, but revenue growth has been 76.20% over the last twelve months.

Indicators Also to Watch:

Based on the latest filings, there is 18.50% of institutional ownership. Short-interest was 2,130,462, which was 3.51% of shares outstanding. The short-interest ratio or days-to-cover ratio was 9.49. This stock has some short interest, but it might be normal and no need to worry if long the position.

I calculated the beta to be 3.53

SeekingAlpha:  Benchmark downgrades Varonis on transition visibility

Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 29.49%, return on assets is 14.95%, profit margin is 14.42%, price-to-sales is 1.22 and price-to-book is 1.10.

Company Score Card:

Results are out of six:
 4  : Growth Expectations Result
 6  : Financial Safety Result
 3  : Past Performance Result
 6  : Valuation Result
 1  : Dividend Safety Result
 4  : Overall Result

Related Tags: , , ,

Jake McWilliams
I am an independent trader, analyst and algorithmic trading expert, having worked both for the sell side (brokerage) and the buy side (fund administration). I have been trading professionally for about 20 years. I trade stocks and forex and I play both long and short positions in underlying asset or through options. I have experience with discretionary and fully automated systems (Metatrader and Quantshare).


Please enter your comment!
Please enter your name here