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Yirendai (YRD) Competitors

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$1.21 +0.01 (+0.75%)
Closing price 08/14/2026 03:58 PM Eastern
Extended Trading
$1.20 -0.01 (-1.16%)
As of 08/14/2026 07:34 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

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

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), LexinFintech (LX), and X Financial (XYF). 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 analyst recommendations, valuation, risk, media sentiment, institutional ownership, dividends, profitability and earnings.

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

Oportun Financial has a consensus price target of $7.33, suggesting a potential downside of 4.89%. 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

Yirendai has a beta of 1.13, suggesting that its stock price is 13% more volatile than the broader market. Comparatively, Oportun Financial has a beta of 1.22, suggesting that its stock price is 22% more volatile than the broader market.

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$817.84M0.13$7.80M-$1.18N/A
Oportun Financial$956.70M0.37$25.25M$0.4019.28

In the previous week, Oportun Financial had 12 more articles in the media than Yirendai. MarketBeat recorded 15 mentions for Oportun Financial and 3 mentions for Yirendai. Oportun Financial's average media sentiment score of 0.78 beat Yirendai's score of 0.00 indicating that Oportun Financial is being referred to more favorably in the news media.

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

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%

Summary

Oportun Financial beats Yirendai on 15 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 investment? We will compare the two businesses based on the strength of their media sentiment, profitability, risk, institutional ownership, earnings, analyst recommendations, valuation and dividends.

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$579.95M0.53$44.41M$4.757.06
Yirendai$817.84M0.13$7.80M-$1.18N/A

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 large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

In the previous week, Regional Management had 2 more articles in the media than Yirendai. MarketBeat recorded 5 mentions for Regional Management and 3 mentions for Yirendai. Regional Management's average media sentiment score of 1.57 beat Yirendai's score of 0.00 indicating that Regional Management is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Regional Management
3 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Yirendai
0 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Regional Management has a beta of 1.02, indicating that its share price is 2% more volatile than the broader market. Comparatively, Yirendai has a beta of 1.13, indicating that its share price is 13% more volatile than the broader market.

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%

Regional Management currently has a consensus price target of $43.00, indicating a potential upside of 28.30%. Given Regional Management's stronger consensus rating and higher possible 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 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 16.5%. 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.

Summary

Regional Management beats Yirendai on 13 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 superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, profitability, media sentiment, risk, valuation and earnings.

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

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$233.80M1.13$43.04M$1.338.63
Yirendai$817.84M0.13$7.80M-$1.18N/A

In the previous week, Medallion Financial and Medallion Financial both had 3 articles in the media. Medallion Financial's average media sentiment score of 0.62 beat Yirendai's score of 0.00 indicating that Medallion Financial is being referred to more favorably in the media.

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

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%

Medallion Financial currently has a consensus price target of $10.50, suggesting a potential downside of 8.54%. Given Medallion Financial's stronger consensus rating and higher probable upside, equities 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

Medallion Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.9%. Yirendai pays an annual dividend of $0.20 per share and has a dividend yield of 16.5%. 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 a beta of 0.78, meaning that its stock price is 22% less volatile than the broader market. Comparatively, Yirendai has a beta of 1.13, meaning that its stock price is 13% more volatile than the broader market.

Summary

Medallion Financial beats Yirendai on 11 of the 16 factors compared between the two stocks.

How does Yirendai compare to LexinFintech?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
LexinFintech$1.88B0.12$239.82M$1.151.18
Yirendai$817.84M0.13$7.80M-$1.18N/A

LexinFintech pays an annual dividend of $0.30 per share and has a dividend yield of 22.1%. Yirendai pays an annual dividend of $0.20 per share and has a dividend yield of 16.5%. LexinFintech pays out 26.1% 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.

LexinFintech has a net margin of 10.78% compared to Yirendai's net margin of -14.35%. LexinFintech's return on equity of 12.12% beat Yirendai's return on equity.

Company Net Margins Return on Equity Return on Assets
LexinFintech10.78% 12.12% 6.29%
Yirendai -14.35%-7.58%-5.21%

2.0% of Yirendai shares are held by institutional investors. 27.8% of LexinFintech 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 company will outperform the market over the long term.

LexinFintech has a beta of 0.88, indicating that its stock price is 12% less volatile than the broader market. Comparatively, Yirendai has a beta of 1.13, indicating that its stock price is 13% more volatile than the broader market.

LexinFintech currently has a consensus price target of $3.50, indicating a potential upside of 157.35%. Given LexinFintech's stronger consensus rating and higher possible upside, equities analysts plainly believe LexinFintech is more favorable than Yirendai.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
LexinFintech
1 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.50
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 2 more articles in the media than LexinFintech. MarketBeat recorded 3 mentions for Yirendai and 1 mentions for LexinFintech. LexinFintech's average media sentiment score of 1.89 beat Yirendai's score of 0.00 indicating that LexinFintech is being referred to more favorably in the media.

Company Overall Sentiment
LexinFintech Very Positive
Yirendai Neutral

Summary

LexinFintech beats Yirendai on 11 of the 17 factors compared between the two stocks.

How does Yirendai compare to X Financial?

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

2.0% of Yirendai shares are owned by institutional investors. Comparatively, 1.2% of X Financial shares are owned by institutional investors. 42.2% of Yirendai shares are owned by insiders. Comparatively, 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

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
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

X Financial has a net margin of 15.06% compared to Yirendai's net margin of -14.35%. X Financial's return on equity of 14.38% beat Yirendai's return on equity.

Company Net Margins Return on Equity Return on Assets
Yirendai-14.35% -7.58% -5.21%
X Financial 15.06%14.38%7.93%

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
Yirendai$817.84M0.13$7.80M-$1.18N/A
X Financial$1.09B0.19$209.43M$3.451.57

Yirendai pays an annual dividend of $0.20 per share and has a dividend yield of 16.5%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.0%. Yirendai pays out -16.9% of its earnings in the form of a dividend. X Financial pays out 15.7% 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. Yirendai is clearly the better dividend stock, given its higher yield and lower payout ratio.

In the previous week, Yirendai had 3 more articles in the media than X Financial. MarketBeat recorded 3 mentions for Yirendai and 0 mentions for X Financial. Yirendai's average media sentiment score of 0.00 equaled X Financial'saverage media sentiment score.

Company Overall Sentiment
Yirendai Neutral
X Financial Neutral

Yirendai has a beta of 1.13, suggesting that its stock price is 13% more volatile than the broader market. Comparatively, X Financial has a beta of 0.46, suggesting that its stock price is 54% less volatile than the broader market.

Summary

X Financial beats Yirendai on 9 of the 15 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$104.11M$7.56B$13.87B$24.33B
Dividend Yield16.81%12.22%5.87%3.68%
P/E Ratio-1.029.2829.4030.85
Price / Sales0.1368.90507.2217.93
Price / Cash10.1111.8737.2632.61
Price / Book0.082.772.816.82
Net Income$7.80M$434.78M$1.31B$1.06B
7 Day Performance-3.28%1.31%0.77%0.55%
1 Month Performance-1.71%0.16%1.43%2.70%
1 Year Performance-79.51%9.94%12.06%19.14%

Yirendai Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
YRD
Yirendai
0.8385 of 5 stars
$1.21
+0.8%
N/A-79.5%$104.11M$817.84MN/A3,800
OPRT
Oportun Financial
3.0905 of 5 stars
$7.65
-1.1%
$7.33
-4.2%
+27.4%$351.59M$956.70M19.112,488
RM
Regional Management
4.9362 of 5 stars
$31.86
+1.1%
$43.00
+35.0%
-10.7%$294.02M$645.60M6.712,112
MFIN
Medallion Financial
2.8914 of 5 stars
$10.97
+1.1%
$10.50
-4.2%
+13.3%$251.25M$353.31M8.23140
LX
LexinFintech
4.2296 of 5 stars
$1.49
+1.0%
$3.50
+135.7%
-79.7%$247.06M$1.88B1.287,169

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This page (NYSE:YRD) was last updated on 8/16/2026 by MarketBeat.com Staff.
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