Yirendai (YRD) Competitors

Yirendai (NYSE:YRD) and Nicolet Bankshares (NYSE:NIC) are both small-cap banking companies, but which is the superior business? We will compare the two companies based on the strength of their media sentiment, institutional ownership, earnings, profitability, analyst recommendations, dividends, valuation and risk.

Is YRD or NIC more profitable?

Nicolet Bankshares has a net margin of 25.12% compared to Yirendai's net margin of 22.48%. Yirendai's return on equity of 14.33% beat Nicolet Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Yirendai	22.48%	14.33%	10.65%
Nicolet Bankshares	25.12%	11.48%	1.52%

Do analysts rate YRD or NIC?

Nicolet Bankshares has a consensus price target of $145.33, indicating a potential upside of 9.81%. Given Nicolet Bankshares' stronger consensus rating and higher probable upside, analysts clearly believe Nicolet Bankshares is more favorable than Yirendai.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Yirendai	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Nicolet Bankshares	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33

Is YRD or NIC a better dividend stock?

Yirendai pays an annual dividend of $0.40 per share and has a dividend yield of 6.9%. Nicolet Bankshares pays an annual dividend of $1.28 per share and has a dividend yield of 1.0%. Yirendai pays out 18.7% of its earnings in the form of a dividend. Nicolet Bankshares pays out 14.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Nicolet Bankshares has increased its dividend for 2 consecutive years.

Which has more volatility and risk, YRD or NIC?

Yirendai has a beta of 0.78, meaning that its share price is 22% less volatile than the S&P 500. Comparatively, Nicolet Bankshares has a beta of 0.77, meaning that its share price is 23% less volatile than the S&P 500.

Does the media prefer YRD or NIC?

In the previous week, Yirendai and Yirendai both had 1 articles in the media. Yirendai's average media sentiment score of 0.00 equaled Nicolet Bankshares'average media sentiment score.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Yirendai	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Nicolet Bankshares	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has better valuation & earnings, YRD or NIC?

Yirendai has higher revenue and earnings than Nicolet Bankshares. Yirendai is trading at a lower price-to-earnings ratio than Nicolet Bankshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Yirendai	$795.41M	0.63	$216.77M	$2.14	2.72
Nicolet Bankshares	$520.63M	3.78	$124.06M	$8.71	15.19

Do insiders and institutionals have more ownership in YRD or NIC?

2.0% of Yirendai shares are held by institutional investors. Comparatively, 43.1% of Nicolet Bankshares shares are held by institutional investors. 42.2% of Yirendai shares are held by insiders. Comparatively, 14.2% of Nicolet Bankshares shares are held by 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.

Summary

Nicolet Bankshares beats Yirendai on 10 of the 17 factors compared between the two stocks.