Yirendai (NYSE:YRD) vs. DoorDash (NASDAQ:DASH) Financial Comparison

Yirendai (NYSE:YRD) and DoorDash (NASDAQ:DASH) are both computer and technology companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, risk, valuation, dividends and analyst recommendations.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Yirendai	20.19%	12.66%	8.93%
DoorDash	6.82%	10.15%	5.49%

Valuation & Earnings

This table compares Yirendai and DoorDash”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Yirendai	$795.41 million	0.41	$216.77 million	$1.99	1.92
DoorDash	$13.72 billion	5.54	$935.00 million	$2.12	83.16

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

Institutional & Insider Ownership

2.0% of Yirendai shares are held by institutional investors. Comparatively, 90.6% of DoorDash shares are held by institutional investors. 42.2% of Yirendai shares are held by company insiders. Comparatively, 5.8% of DoorDash shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Yirendai and DoorDash, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Yirendai	0	1	0	0	2.00
DoorDash	0	9	26	1	2.78

DoorDash has a consensus price target of $263.89, indicating a potential upside of 49.69%. Given DoorDash’s stronger consensus rating and higher possible upside, analysts plainly believe DoorDash is more favorable than Yirendai.

Volatility & Risk

Yirendai has a beta of 0.9, indicating that its stock price is 10% less volatile than the S&P 500. Comparatively, DoorDash has a beta of 1.78, indicating that its stock price is 78% more volatile than the S&P 500.

Summary

DoorDash beats Yirendai on 11 of the 15 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 DoorDash

DoorDash, Inc., together with its subsidiaries, operates a commerce platform that connects merchants, consumers, and independent contractors in the United States and internationally. The company operates DoorDash Marketplace and Wolt Marketplace, which provide various services, such as customer acquisition, demand generation, order fulfillment, merchandising, payment processing, and customer support. It also offers membership products, including DashPass and Wolt+; DoorDash Drive and Wolt Drive, which are white-label delivery fulfillment services that enable merchants that have generated consumer demand through their channels to fulfill demand using its platform; DoorDash Storefront that enables merchants to offer consumers on-demand access to e-commerce; and Bbot, which offers merchants digital ordering and payment solutions for in-store and online channels. In addition, the company enables merchants to advertise and promote on its platform to acquire consumers. The company was formerly known as Palo Alto Delivery Inc. and changed its name to DoorDash, Inc. in 2015. DoorDash, Inc. was founded in 2013 and is headquartered in San Francisco, California.