On the stock market since 2015, it operates in the world of money and finance. It has 981 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 6% a year over the last 4 years. Every year shown ended in profit.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Cost Efficiency: As sales grow, profit fails to keep the same pace.
An investor who bought at the very peak is down 85% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Over the last 3 years, sales grew about 18% a year on average.
It pays out $0.44 per share each year — regular cash for whoever holds the stock.
Since the drop from its peak, buyer appetite hasn’t come back. Council score: 0/10.
Costs swallow the gains that sales growth brings in. Council score: 4/10.
On our five-subject report card, YRD sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: YRD is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.