Yirendai Stock Buy Hold or Sell Recommendation
| YRD Stock | USD 5.08 0.06 1.20% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding Yirendai is 'Sell'. Macroaxis provides Yirendai buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding Yirendai positions. The advice algorithm takes into account all of Yirendai's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Yirendai's buy or sell advice are summarized below:
Real Value 3.13 | Target Price 2.03 | Hype Value 5.07 | Market Value 5.08 | Naive Value 4.91 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Yirendai given historical horizon and risk tolerance towards Yirendai. When Macroaxis issues a 'buy' or 'sell' recommendation for Yirendai, the advice is generated through an automated system that utilizes algorithms and statistical models.
Yirendai |
Execute Yirendai Buy or Sell Advice
The Yirendai recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Yirendai. Macroaxis does not own or have any residual interests in Yirendai or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Yirendai's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Sell
Market Performance | Weak | Details | |
Volatility | Very risky | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Yirendai Trading Alerts and Improvement Suggestions
| Yirendai had very high historical volatility over the last 90 days | |
| Yirendai has a strong financial position based on the latest SEC filings |
Yirendai Returns Distribution Density
The distribution of Yirendai's historical returns is an attempt to chart the uncertainty of Yirendai's future price movements. The chart of the probability distribution of Yirendai daily returns describes the distribution of returns around its average expected value. We use Yirendai price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Yirendai returns is essential to provide solid investment advice for Yirendai.
| Mean Return | 0.42 | Value At Risk | -7.89 | Potential Upside | 7.60 | Standard Deviation | 4.90 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Yirendai historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Yirendai Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Yirendai is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Yirendai backward and forwards among themselves. Yirendai's institutional investor refers to the entity that pools money to purchase Yirendai's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Group One Trading, Lp | 2023-09-30 | 526 | Advisor Group Holdings, Inc. | 2023-09-30 | 383 | Simplex Trading, Llc | 2023-09-30 | 12.0 | Royal Bank Of Canada | 2023-09-30 | 0.0 | Bnp Paribas Arbitrage, Sa | 2023-09-30 | 0.0 | Virtu Financial Llc | 2023-09-30 | 0.0 | Envestnet Asset Management Inc | 2023-12-31 | 0.0 | Dimensional Fund Advisors, Inc. | 2023-12-31 | 868.2 K | Renaissance Technologies Corp | 2023-12-31 | 248.4 K | Acadian Asset Management Llc | 2023-09-30 | 97.5 K | Connor Clark & Lunn Inv Mgmt Ltd | 2023-09-30 | 57.4 K |
Yirendai Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Investments | 1.1B | (438.6M) | (5.2M) | 52.6M | 60.4M | 63.5M | |
| Change In Cash | (1.5B) | 234.7M | (562.0M) | 238.2M | 1.7B | 1.8B | |
| Free Cash Flow | (872.4M) | 198.3M | 268.3M | 148.8M | 2.2B | 2.3B | |
| Depreciation | 39.4M | 394.6M | 327.5M | 140.0M | 7.1M | 6.8M | |
| Other Non Cash Items | (247.6M) | (3.9M) | 144.0M | 37.4M | 76.9M | 53.0M | |
| Capital Expenditures | 70.6M | 52.2M | 48.0M | 13.7M | 9.4M | 0.0 | |
| Net Income | 966.6M | 1.2B | (692.7M) | 1.0B | 2.1B | 2.2B | |
| Change To Netincome | 1.5B | 1.2B | 426.7M | 196.6M | 226.0M | 437.2M | |
| Net Borrowings | 435.4M | 843.4M | 501.4M | (399.7M) | (359.7M) | (341.7M) | |
| End Period Cash Flow | 2.1B | 3.3B | 2.7B | 2.9B | 6.1B | 6.4B | |
| Change To Inventory | (503.0M) | (755.0M) | (198.4M) | (946.5M) | (851.9M) | (809.3M) |
Yirendai Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Yirendai or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Yirendai's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Yirendai stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | 0.14 | |
β | Beta against NYSE Composite | 3.22 | |
σ | Overall volatility | 4.88 | |
Ir | Information ratio | 0.07 |
Yirendai Volatility Alert
Yirendai exhibits above-average semi-deviation for your current time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Yirendai's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Yirendai's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Yirendai Fundamentals Vs Peers
Comparing Yirendai's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Yirendai's direct or indirect competition across all of the common fundamentals between Yirendai and the related equities. This way, we can detect undervalued stocks with similar characteristics as Yirendai or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Yirendai's fundamental indicators could also be used in its relative valuation, which is a method of valuing Yirendai by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Yirendai to competition |
| Fundamentals | Yirendai | Peer Average |
| Return On Equity | 0.29 | -0.31 |
| Return On Asset | 0.17 | -0.14 |
| Profit Margin | 0.42 % | (1.27) % |
| Operating Margin | 0.54 % | (5.51) % |
| Current Valuation | (4.95 B) | 16.62 B |
| Shares Outstanding | 88.61 M | 571.82 M |
| Shares Owned By Institutions | 2.30 % | 39.21 % |
| Number Of Shares Shorted | 252.12 K | 4.71 M |
| Price To Earning | 0.68 X | 28.72 X |
| Price To Book | 0.44 X | 9.51 X |
| Price To Sales | 0.09 X | 11.42 X |
| Revenue | 4.9 B | 9.43 B |
| Gross Profit | 2.66 B | 27.38 B |
| EBITDA | 2.6 B | 3.9 B |
| Net Income | 2.08 B | 570.98 M |
| Cash And Equivalents | 4.27 B | 2.7 B |
| Cash Per Share | 36.07 X | 5.01 X |
| Total Debt | 38.06 M | 5.32 B |
| Debt To Equity | 0.30 % | 48.70 % |
| Current Ratio | 4.84 X | 2.16 X |
| Book Value Per Share | 92.17 X | 1.93 K |
| Cash Flow From Operations | 2.17 B | 971.22 M |
| Short Ratio | 1.36 X | 4.00 X |
| Earnings Per Share | 3.08 X | 3.12 X |
| Price To Earnings To Growth | 1.24 X | 4.89 X |
| Target Price | 2.03 | |
| Beta | 0.71 | -0.15 |
| Market Capitalization | 459.01 M | 19.03 B |
| Total Asset | 10.28 B | 29.47 B |
| Retained Earnings | 2.99 B | 9.33 B |
| Working Capital | 6.71 B | 1.48 B |
| Current Asset | 308.48 M | 9.34 B |
| Current Liabilities | 187.31 M | 7.9 B |
Yirendai Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Yirendai . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Yirendai Buy or Sell Advice
When is the right time to buy or sell Yirendai? Buying financial instruments such as Yirendai Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2023 | 2024 (projected) | Other Current Liabilities | 484.8M | 1.5B | 1.6B | Total Assets | 7.7B | 10.3B | 6.5B |
Use Investing Ideas to Build Portfolios
In addition to having Yirendai in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Climate Change Thematic Idea Now
Climate Change
Large and medium sized entities that are committing to fully or partially replace some traditional services or products with renewables sources of energy in order to combat global climate change. The Climate Change theme has 41 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Climate Change Theme or any other thematic opportunities.
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Check out Yirendai Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade Yirendai Stock refer to our How to Trade Yirendai Stock guide.You can also try the Piotroski F Score module to get Piotroski F Score based on the binary analysis strategy of nine different fundamentals.
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When running Yirendai's price analysis, check to measure Yirendai's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Yirendai is operating at the current time. Most of Yirendai's value examination focuses on studying past and present price action to predict the probability of Yirendai's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Yirendai's price. Additionally, you may evaluate how the addition of Yirendai to your portfolios can decrease your overall portfolio volatility.
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Is Yirendai's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Yirendai. If investors know Yirendai will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Yirendai listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.194 | Earnings Share 3.08 | Revenue Per Share 55.396 | Quarterly Revenue Growth 0.171 | Return On Assets 0.1724 |
The market value of Yirendai is measured differently than its book value, which is the value of Yirendai that is recorded on the company's balance sheet. Investors also form their own opinion of Yirendai's value that differs from its market value or its book value, called intrinsic value, which is Yirendai's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Yirendai's market value can be influenced by many factors that don't directly affect Yirendai's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Yirendai's value and its price as these two are different measures arrived at by different means. Investors typically determine if Yirendai is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Yirendai's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.