Yirendai (YRD) Competitors

Yirendai (NYSE:YRD) and Customers Bancorp (NYSE:CUBI) are both banking companies, but which is the superior investment? We will contrast the two companies based on the strength of their media sentiment, valuation, dividends, profitability, risk, earnings, analyst recommendations and institutional ownership.

Which has better earnings & valuation, YRD or CUBI?

Yirendai has higher earnings, but lower revenue than Customers Bancorp. Yirendai is trading at a lower price-to-earnings ratio than Customers Bancorp, 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	0.67	$216.77M	$2.14	2.88
Customers Bancorp	$1.39B	1.45	$181.47M	$3.97	16.10

Is YRD or CUBI more profitable?

Yirendai has a net margin of 22.48% compared to Customers Bancorp's net margin of 10.51%. Yirendai's return on equity of 14.33% beat Customers Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Yirendai	22.48%	14.33%	10.65%
Customers Bancorp	10.51%	11.64%	0.89%

Do insiders and institutionals hold more shares of YRD or CUBI?

2.0% of Yirendai shares are owned by institutional investors. Comparatively, 89.3% of Customers Bancorp shares are owned by institutional investors. 42.2% of Yirendai shares are owned by insiders. Comparatively, 6.9% of Customers Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Does the media prefer YRD or CUBI?

In the previous week, Customers Bancorp had 9 more articles in the media than Yirendai. MarketBeat recorded 9 mentions for Customers Bancorp and 0 mentions for Yirendai. Customers Bancorp's average media sentiment score of 0.68 beat Yirendai's score of 0.00 indicating that Customers Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
Yirendai	Neutral
Customers Bancorp	Positive

Which has more risk & volatility, YRD or CUBI?

Yirendai has a beta of 0.72, meaning that its share price is 28% less volatile than the S&P 500. Comparatively, Customers Bancorp has a beta of 1.55, meaning that its share price is 55% more volatile than the S&P 500.

Do analysts recommend YRD or CUBI?

Customers Bancorp has a consensus price target of $65.33, suggesting a potential upside of 2.23%. Given Customers Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe Customers Bancorp 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
Customers Bancorp	0 Sell rating(s)	5 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	2.56

Summary

Customers Bancorp beats Yirendai on 12 of the 17 factors compared between the two stocks.