Comparison of Yiren Digital Ltd. (YRD) and MoneyGram International Inc. (NASDAQ:MGI)

Both Yiren Digital Ltd. (NYSE:YRD) and MoneyGram International Inc. (NASDAQ:MGI) compete on a level playing field in the Credit Services industry. We will evaluate their performance with regards to risk, analyst recommendations, profitability, institutional ownership, dividends, earnings and valuation.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Yiren Digital Ltd. 5 -117.76 12.64M 2.65 1.80
MoneyGram International Inc. 2 -13.31 54.16M -0.90 0.00

Table 1 highlights Yiren Digital Ltd. and MoneyGram International Inc.’s gross revenue, earnings per share (EPS) and valuation.

Profitability

Table 2 represents Yiren Digital Ltd. (NYSE:YRD) and MoneyGram International Inc. (NASDAQ:MGI)’s return on assets, net margins and return on equity.

Net Margins Return on Equity Return on Assets
Yiren Digital Ltd. 237,593,984.96% 0% 0%
MoneyGram International Inc. 2,322,071,685.82% 13.7% -1.4%

Risk and Volatility

Yiren Digital Ltd. is 156.00% more volatile than Standard & Poor’s 500 due to its 2.56 beta. In other hand, MoneyGram International Inc. has beta of 2.73 which is 173.00% more volatile than Standard & Poor’s 500.

Analyst Ratings

The following table given below contains the ratings and recommendations for Yiren Digital Ltd. and MoneyGram International Inc.

Sell Ratings Hold Ratings Buy Ratings Rating Score
Yiren Digital Ltd. 1 1 0 2.50
MoneyGram International Inc. 1 0 1 2.50

Yiren Digital Ltd.’s consensus price target is $6.51, while its potential downside is -4.55%. MoneyGram International Inc. on the other hand boasts of a $4.5 consensus price target and a 103.62% potential upside. Based on the results given earlier, MoneyGram International Inc. is looking more favorable than Yiren Digital Ltd., analysts opinion.

Institutional and Insider Ownership

Yiren Digital Ltd. and MoneyGram International Inc. has shares owned by institutional investors as follows: 6.1% and 66.6%. Insiders Comparatively, owned 10.6% of MoneyGram International Inc. shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Yiren Digital Ltd. -8.3% -24.84% -47.97% -67.6% -69.14% -55.81%
MoneyGram International Inc. -22.15% -33.24% -55.08% 53.21% 16.59% 19.5%

For the past year Yiren Digital Ltd. had bearish trend while MoneyGram International Inc. had bullish trend.

Summary

MoneyGram International Inc. beats on 7 of the 11 factors Yiren Digital Ltd.

Yirendai Ltd. operates as an online consumer finance marketplace that connects borrowers and investors primarily in the PeopleÂ’s Republic of China. It offers standard and fasttrack loan products. The company also provides investing tools. The company was founded in 2012 and is based in Beijing, the PeopleÂ’s Republic of China. Yirendai Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.

MoneyGram International, Inc., together with its subsidiaries, provides money transfer services in the United States and internationally. The company operates through two segments, Global Funds Transfer and Financial Paper Products. The Global Funds Transfer segment offers money transfer services and bill payment services primarily to unbanked and underbanked consumers. The Financial Paper Products segment provides money orders to consumers through its agents and financial institutions; and official check outsourcing services for financial institutions. This segment sells its money orders under the MoneyGram brand and on a private label or co-branded basis with retail and financial institution agents. The company also offers digital solutions, such as moneygram.com, mobile solutions, account deposit, and kiosk-based services. MoneyGram International, Inc. was founded in 1926 and is based in Dallas, Texas.