Yirendai (NYSE:YRD) vs. Wanderport (OTCMKTS:WDRP) Critical Contrast

Yirendai (NYSE:YRD) and Wanderport (OTCMKTS:WDRP) are both small-cap computer and technology companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, valuation, analyst recommendations, profitability, institutional ownership and risk.

Valuation & Earnings

This table compares Yirendai and Wanderport”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Yirendai	$817.84 million	0.15	$7.80 million	$0.03	48.17
Wanderport	$40,000.00	10.78	N/A	N/A	N/A

Yirendai has higher revenue and earnings than Wanderport.

Profitability

This table compares Yirendai and Wanderport’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Yirendai	0.31%	0.18%	0.13%
Wanderport	10.26%	N/A	N/A

Analyst Ratings

This is a breakdown of current ratings and price targets for Yirendai and Wanderport, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Yirendai	1	0	0	0	1.00
Wanderport	0	0	0	0	0.00

Risk & Volatility

Yirendai has a beta of 1.24, meaning that its stock price is 24% more volatile than the S&P 500. Comparatively, Wanderport has a beta of -2.17, meaning that its stock price is 317% less volatile than the S&P 500.

Insider & Institutional Ownership

2.0% of Yirendai shares are owned by institutional investors. 42.2% of Yirendai shares are owned by insiders. Comparatively, 46.9% of Wanderport shares are owned 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.

Summary

Yirendai beats Wanderport on 6 of the 9 factors compared between the two stocks.

About Yirendai

Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

About Wanderport

Wanderport Corporation distributes hemp-based food, beverages, and consumer products. It offers food and beverage products, such as hemp coffees, proteins, and seeds; dietary supplements, and body and skincare products, as well as accessories. The company sells its products online through its wanderbrands.com website. The company was formerly known as Temtex Industries Inc. and changed its name to Wanderport Corporation in January 2007. Wanderport Corporation was founded in 2006 and is based in Santa Monica, California.