Head-To-Head Contrast: Uber Technologies (NYSE:UBER) & Yirendai (NYSE:YRD)

Uber Technologies (NYSE:UBER) and Yirendai (NYSE:YRD) are both computer and technology companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, earnings, valuation, institutional ownership, analyst recommendations, dividends and risk.

Institutional & Insider Ownership

80.2% of Uber Technologies shares are owned by institutional investors. Comparatively, 2.0% of Yirendai shares are owned by institutional investors. 3.8% of Uber Technologies shares are owned by company insiders. Comparatively, 42.2% of Yirendai shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Uber Technologies	$52.02 billion	2.75	$10.05 billion	$4.01	17.53
Yirendai	$817.84 million	0.15	$7.80 million	$0.03	46.33

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

Analyst Ratings

This is a breakdown of recent ratings for Uber Technologies and Yirendai, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Uber Technologies	3	7	29	1	2.70
Yirendai	1	0	0	0	1.00

Uber Technologies presently has a consensus price target of $104.68, suggesting a potential upside of 48.90%. Given Uber Technologies’ stronger consensus rating and higher probable upside, equities analysts plainly believe Uber Technologies is more favorable than Yirendai.

Risk & Volatility

Uber Technologies has a beta of 1.16, suggesting that its share price is 16% more volatile than the S&P 500. Comparatively, Yirendai has a beta of 1.24, suggesting that its share price is 24% more volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Uber Technologies	15.91%	41.40%	18.21%
Yirendai	0.31%	0.18%	0.13%

Summary

Uber Technologies beats Yirendai on 12 of the 15 factors compared between the two stocks.

About Uber Technologies

Uber Technologies, Inc. develops and operates proprietary technology applications in the United States, Canada, Latin America, Europe, the Middle East, Africa, and Asia excluding China and Southeast Asia. It operates through three segments: Mobility, Delivery, and Freight. The Mobility segment connects consumers with a range of transportation modalities, such as ridesharing, carsharing, micromobility, rentals, public transit, taxis, and other modalities; and offers riders in a variety of vehicle types, as well as financial partnerships products and advertising services. The Delivery segment allows to search for and discover restaurants to grocery, alcohol, convenience, and other retails; order a meal or other items; and Uber direct, a white-label Delivery-as-a-Service for retailers and restaurants, as well as advertising. The Freight segment manages transportation and logistics network, which connects shippers and carriers in digital marketplace including carriers upfronts, pricing, and shipment booking; and provides on-demand platform to automate logistics end-to-end transactions for small-and medium-sized business to global enterprises. The company was formerly known as Ubercab, Inc. and changed its name to Uber Technologies, Inc. in February 2011. Uber Technologies, Inc. was founded in 2009 and is headquartered in San Francisco, California.

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.