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Yirendai (YRD) Competitors

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$1.01 -0.01 (-1.27%)
As of 09/4/2026 03:57 PM Eastern
This is a fair market value price provided by Massive. Learn more.

YRD vs. OPRT, RM, MFIN, XYF, and CPSS

Should you buy Yirendai stock or one of its competitors? Yirendai's main competitors and comparable companies include Oportun Financial (OPRT), Regional Management (RM), Medallion Financial (MFIN), X Financial (XYF), and Consumer Portfolio Services (CPSS). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does Yirendai compare to Oportun Financial?

Yirendai (NYSE:YRD) and Oportun Financial (NASDAQ:OPRT) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, risk, analyst recommendations, media sentiment, dividends, institutional ownership, valuation and profitability.

Yirendai has a beta of 1.14, meaning that its share price is 14% more volatile than the broader market. Comparatively, Oportun Financial has a beta of 1.24, meaning that its share price is 24% more volatile than the broader market.

2.0% of Yirendai shares are held by institutional investors. Comparatively, 82.7% of Oportun Financial shares are held by institutional investors. 42.2% of Yirendai shares are held by company insiders. Comparatively, 1.6% of Oportun Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Oportun Financial has a net margin of 2.05% compared to Yirendai's net margin of -14.35%. Oportun Financial's return on equity of 13.41% beat Yirendai's return on equity.

Company Net Margins Return on Equity Return on Assets
Yirendai-14.35% -7.58% -5.21%
Oportun Financial 2.05%13.41%1.66%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Yirendai$817.84M0.11$7.80M-$1.18N/A
Oportun Financial$956.70M0.38$25.25M$0.4019.68

Oportun Financial has a consensus price target of $7.33, indicating a potential downside of 6.82%. Given Oportun Financial's stronger consensus rating and higher probable upside, analysts clearly believe Oportun Financial is more favorable than Yirendai.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Yirendai
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00
Oportun Financial
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20

In the previous week, Oportun Financial had 3 more articles in the media than Yirendai. MarketBeat recorded 4 mentions for Oportun Financial and 1 mentions for Yirendai. Yirendai's average media sentiment score of 1.85 beat Oportun Financial's score of 1.19 indicating that Yirendai is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Yirendai
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Oportun Financial
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Oportun Financial beats Yirendai on 14 of the 16 factors compared between the two stocks.

How does Yirendai compare to Regional Management?

Regional Management (NYSE:RM) and Yirendai (NYSE:YRD) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, dividends, valuation, risk, media sentiment, profitability and institutional ownership.

Regional Management has a beta of 1, indicating that its share price has a similar volatility profile to the broader market.Comparatively, Yirendai has a beta of 1.14, indicating that its share price is 14% more volatile than the broader market.

Regional Management pays an annual dividend of $1.20 per share and has a dividend yield of 3.6%. Yirendai pays an annual dividend of $0.20 per share and has a dividend yield of 19.9%. Regional Management pays out 25.3% of its earnings in the form of a dividend. Yirendai pays out -16.9% 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. Yirendai is clearly the better dividend stock, given its higher yield and lower payout ratio.

Regional Management presently has a consensus target price of $43.00, indicating a potential upside of 28.34%. Given Regional Management's stronger consensus rating and higher probable upside, equities research analysts plainly believe Regional Management is more favorable than Yirendai.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Regional Management
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50
Yirendai
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Regional Management$645.60M0.48$44.41M$4.757.05
Yirendai$817.84M0.11$7.80M-$1.18N/A

Regional Management has a net margin of 6.98% compared to Yirendai's net margin of -14.35%. Regional Management's return on equity of 12.49% beat Yirendai's return on equity.

Company Net Margins Return on Equity Return on Assets
Regional Management6.98% 12.49% 2.25%
Yirendai -14.35%-7.58%-5.21%

In the previous week, Regional Management had 5 more articles in the media than Yirendai. MarketBeat recorded 6 mentions for Regional Management and 1 mentions for Yirendai. Yirendai's average media sentiment score of 1.85 beat Regional Management's score of 1.19 indicating that Yirendai is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Regional Management
4 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Yirendai
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

98.9% of Regional Management shares are held by institutional investors. Comparatively, 2.0% of Yirendai shares are held by institutional investors. 10.9% of Regional Management shares are held by insiders. Comparatively, 42.2% of Yirendai shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Summary

Regional Management beats Yirendai on 12 of the 18 factors compared between the two stocks.

How does Yirendai compare to Medallion Financial?

Medallion Financial (NASDAQ:MFIN) and Yirendai (NYSE:YRD) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their media sentiment, analyst recommendations, profitability, earnings, risk, institutional ownership, dividends and valuation.

Medallion Financial has a beta of 0.81, indicating that its share price is 19% less volatile than the broader market. Comparatively, Yirendai has a beta of 1.14, indicating that its share price is 14% more volatile than the broader market.

Medallion Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.6%. Yirendai pays an annual dividend of $0.20 per share and has a dividend yield of 19.9%. Medallion Financial pays out 42.1% of its earnings in the form of a dividend. Yirendai pays out -16.9% 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. Yirendai is clearly the better dividend stock, given its higher yield and lower payout ratio.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Medallion Financial$353.31M0.79$43.04M$1.339.19
Yirendai$817.84M0.11$7.80M-$1.18N/A

In the previous week, Medallion Financial and Medallion Financial both had 1 articles in the media. Yirendai's average media sentiment score of 1.85 beat Medallion Financial's score of 1.74 indicating that Yirendai is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Medallion Financial
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Yirendai
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Medallion Financial has a net margin of 9.25% compared to Yirendai's net margin of -14.35%. Medallion Financial's return on equity of 7.11% beat Yirendai's return on equity.

Company Net Margins Return on Equity Return on Assets
Medallion Financial9.25% 7.11% 1.20%
Yirendai -14.35%-7.58%-5.21%

40.6% of Medallion Financial shares are held by institutional investors. Comparatively, 2.0% of Yirendai shares are held by institutional investors. 24.6% of Medallion Financial shares are held by insiders. Comparatively, 42.2% of Yirendai shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Medallion Financial currently has a consensus price target of $10.50, indicating a potential downside of 14.08%. Given Medallion Financial's stronger consensus rating and higher possible upside, research analysts clearly believe Medallion Financial is more favorable than Yirendai.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Medallion Financial
0 Sell rating(s)
4 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Yirendai
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00

Summary

Medallion Financial beats Yirendai on 10 of the 16 factors compared between the two stocks.

How does Yirendai compare to X Financial?

X Financial (NYSE:XYF) and Yirendai (NYSE:YRD) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, profitability, media sentiment, institutional ownership, risk, valuation, earnings and dividends.

1.2% of X Financial shares are owned by institutional investors. Comparatively, 2.0% of Yirendai shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Comparatively, 42.2% of Yirendai shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Yirendai
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00

In the previous week, Yirendai had 1 more articles in the media than X Financial. MarketBeat recorded 1 mentions for Yirendai and 0 mentions for X Financial. Yirendai's average media sentiment score of 1.85 beat X Financial's score of 0.00 indicating that Yirendai is being referred to more favorably in the news media.

Company Overall Sentiment
X Financial Neutral
Yirendai Very Positive

X Financial has a beta of 0.53, indicating that its share price is 47% less volatile than the broader market. Comparatively, Yirendai has a beta of 1.14, indicating that its share price is 14% more volatile than the broader market.

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 9.8%. Yirendai pays an annual dividend of $0.20 per share and has a dividend yield of 19.9%. X Financial pays out 27.6% of its earnings in the form of a dividend. Yirendai pays out -16.9% 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. Yirendai is clearly the better dividend stock, given its higher yield and lower payout ratio.

X Financial has a net margin of 9.94% compared to Yirendai's net margin of -14.35%. X Financial's return on equity of 9.14% beat Yirendai's return on equity.

Company Net Margins Return on Equity Return on Assets
X Financial9.94% 9.14% 5.20%
Yirendai -14.35%-7.58%-5.21%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
X Financial$1.09B0.20$209.43M$1.962.81
Yirendai$817.84M0.11$7.80M-$1.18N/A

Summary

X Financial beats Yirendai on 9 of the 16 factors compared between the two stocks.

How does Yirendai compare to Consumer Portfolio Services?

Yirendai (NYSE:YRD) and Consumer Portfolio Services (NASDAQ:CPSS) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, risk, earnings, media sentiment and dividends.

2.0% of Yirendai shares are held by institutional investors. Comparatively, 47.6% of Consumer Portfolio Services shares are held by institutional investors. 42.2% of Yirendai shares are held by company insiders. Comparatively, 63.7% of Consumer Portfolio Services shares are held by company 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.

In the previous week, Consumer Portfolio Services had 4 more articles in the media than Yirendai. MarketBeat recorded 5 mentions for Consumer Portfolio Services and 1 mentions for Yirendai. Yirendai's average media sentiment score of 1.85 beat Consumer Portfolio Services' score of 1.04 indicating that Yirendai is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Yirendai
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Consumer Portfolio Services
4 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Consumer Portfolio Services has lower revenue, but higher earnings than Yirendai. Yirendai is trading at a lower price-to-earnings ratio than Consumer Portfolio Services, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Yirendai$817.84M0.11$7.80M-$1.18N/A
Consumer Portfolio Services$434.47M0.47$19.33M$0.9210.22

Consumer Portfolio Services has a net margin of 4.78% compared to Yirendai's net margin of -14.35%. Consumer Portfolio Services' return on equity of 6.91% beat Yirendai's return on equity.

Company Net Margins Return on Equity Return on Assets
Yirendai-14.35% -7.58% -5.21%
Consumer Portfolio Services 4.78%6.91%0.54%

Yirendai has a beta of 1.14, indicating that its stock price is 14% more volatile than the broader market. Comparatively, Consumer Portfolio Services has a beta of 1.11, indicating that its stock price is 11% more volatile than the broader market.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Yirendai
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00
Consumer Portfolio Services
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00

Summary

Consumer Portfolio Services beats Yirendai on 10 of the 13 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding YRD and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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YRD vs. The Competition

MetricYirendaiConsumer Finance IndustryFinance SectorNYSE Exchange
Market Cap$88.10M$7.43B$14.20B$23.59B
Dividend Yield19.61%12.63%5.89%3.73%
P/E Ratio-0.859.3226.1729.33
Price / Sales0.1178.15516.0520.96
Price / Cash8.6711.7430.8419.95
Price / Book0.072.702.804.83
Net Income$7.80M$442.63M$1.32B$1.07B
7 Day Performance-0.30%0.97%4.08%0.43%
1 Month Performance-19.44%-0.19%1.60%-0.78%
1 Year Performance-82.46%5.82%11.20%12.82%

Yirendai Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
YRD
Yirendai
1.4815 of 5 stars
$1.01
-1.3%
N/A-82.5%$88.10M$817.84MN/A3,800
OPRT
Oportun Financial
3.5396 of 5 stars
$7.21
-1.9%
$7.33
+1.7%
+19.8%$331.59M$956.70M18.032,488
RM
Regional Management
4.9107 of 5 stars
$31.66
-1.3%
$43.00
+35.8%
-22.2%$292.28M$645.60M6.672,112
MFIN
Medallion Financial
3.4801 of 5 stars
$11.81
-0.1%
$10.50
-11.1%
+14.1%$271.04M$353.31M8.88140
XYF
X Financial
2.3021 of 5 stars
$5.80
+1.7%
N/A-61.8%$226.53M$1.09B2.96420

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This page (NYSE:YRD) was last updated on 9/7/2026 by MarketBeat.com Staff.
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