涨幅透支未来增长

卡卡秦

2017-08-01

$宜人贷(YRD)$在revenue beat 9.2%的情况下 EPS只增加6%说明一些费用超出估算。

整个借款人信誉等级中第三到第五类的人比例超过70%，按照一年的营业预估370亿，

这一类人的借款占据260亿，即使按照银行的风控2%坏账率将近5.2亿计提，全年的利润预估13亿，扣除坏账，真是净利润最多不过8亿。

按照目前股价估值市盈率超过20以上。对比其它同类型股票市盈率明显偏高。后面风险平衡后还是会回归10倍 #对战宜人贷#

老虎财报季2020

公司发财报，这些发财信息千万不要错过！

免责声明：上述内容仅代表发帖人个人观点，不构成本平台的任何投资建议。

精彩评论

卡卡秦
2017-08-01
卡卡秦
我就是读了EPS所以才有疑问，一直在强调YOY的growth，但是对于Net income这个硬指标对比去年同期才增长3%，对比上个季度的400million 下降了近5%！net cash也下降了！
公众号豆豆says
2017-08-02
公众号豆豆says
还有的跌，模式没有突破，估值基础没有上升的道理
尼摩船长
2017-08-01
尼摩船长
你还是仔细去研究一下EPS构成的变化吧根据表面数字就能得出结论真牛逼
Flyingaway
2017-08-01
Flyingaway
总之，坏账计提低于20%都是在吹牛
sstone
2017-08-01
sstone
跌的也太狠了
王大晨
2017-08-01
王大晨
分析的见血，👍👍👍！

发表看法

{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":79725,"tweetId":"79725","gmtCreate":1501592664515,"gmtModify":1704879470406,"author":{"id":219005143695910,"authorId":219005143695910,"authorIdStr":"219005143695910","name":"卡卡秦","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":10,"starInvestorFlag":false},"themes":[{"themeId":"75f32c657826410f8caa72b796d3f258","categoryId":"d3c66e9d6c224ba082ca76ee654847ca","name":"老虎财报季2020","type":0,"rnLink":"https://laohu8.com/RN?name=RNTheme&page=/theme/detail&rndata={\"themeId\":75f32c657826410f8caa72b796d3f258}&rnconfig={\"headerBarHidden\": true}","description":"公司发财报，这些发财信息千万不要错过！","image":"https://static.tigerbbs.com/61099e9b762fb83e1d1bb6b9183d4564"}],"images":[],"coverImages":[],"title":"涨幅透支未来增长","extraTitle":"","html":"<html><head></head><body>$宜人贷(YRD)$在revenue beat 9.2%的情况下 EPS只增加6%说明一些费用超出估算。 整个借款人信誉等级中第三到第五类的人比例超过70%，按照一年的营业预估370亿， 这一类人的借款占据260亿，即使按照银行的风控2%坏账率将近5.2亿计提，全年的利润预估13亿，扣除坏账，真是净利润最多不过8亿。 按照目前股价估值市盈率超过20以上。对比其它同类型股票市盈率明显偏高。后面风险平衡后还是会回归10倍 #对战宜人贷#</body></html>","htmlText":"<html><head></head><body>$宜人贷(YRD)$在revenue beat 9.2%的情况下 EPS只增加6%说明一些费用超出估算。 整个借款人信誉等级中第三到第五类的人比例超过70%，按照一年的营业预估370亿， 这一类人的借款占据260亿，即使按照银行的风控2%坏账率将近5.2亿计提，全年的利润预估13亿，扣除坏账，真是净利润最多不过8亿。 按照目前股价估值市盈率超过20以上。对比其它同类型股票市盈率明显偏高。后面风险平衡后还是会回归10倍 #对战宜人贷#</body></html>","text":"$宜人贷(YRD)$在revenue beat 9.2%的情况下 EPS只增加6%说明一些费用超出估算。 整个借款人信誉等级中第三到第五类的人比例超过70%，按照一年的营业预估370亿， 这一类人的借款占据260亿，即使按照银行的风控2%坏账率将近5.2亿计提，全年的利润预估13亿，扣除坏账，真是净利润最多不过8亿。 按照目前股价估值市盈率超过20以上。对比其它同类型股票市盈率明显偏高。后面风险平衡后还是会回归10倍 #对战宜人贷#","highlighted":1,"essential":2,"paper":2,"likeSize":2,"commentSize":7,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/79725","repostId":0,"isVote":1,"tweetType":1,"viewCount":3276,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":["YRD"],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"upFlag":false,"length":362,"xxTargetLangEnum":"ZH_CN"},"commentList":[{"id":388057,"gmtCreate":1501594298534,"gmtModify":1501594298534,"authorId":219005143695910,"author":{"id":219005143695910,"authorId":219005143695910,"name":"卡卡秦","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":79725,"type":1,"supId":0,"prevId":0,"content":"我就是读了EPS所以才有疑问，一直在强调YOY的growth，但是对于Net income这个硬指标对比去年同期才增长3%，对比上个季度的400million 下降了近5%！net cash也下降了！","text":"我就是读了EPS所以才有疑问，一直在强调YOY的growth，但是对于Net income这个硬指标对比去年同期才增长3%，对比上个季度的400million 下降了近5%！net cash也下降了！","html":"我就是读了EPS所以才有疑问，一直在强调YOY的growth，但是对于Net income这个硬指标对比去年同期才增长3%，对比上个季度的400million 下降了近5%！net cash也下降了！","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":389225,"gmtCreate":1501642453607,"gmtModify":1501642453607,"authorId":3462785558731474,"author":{"id":3462785558731474,"authorId":3462785558731474,"name":"公众号豆豆says","avatar":"https://static.tigerbbs.com/d93167c858777b5314e04ef0d270fc2a","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":79725,"type":1,"supId":0,"prevId":0,"content":"还有的跌，模式没有突破，估值基础没有上升的道理","text":"还有的跌，模式没有突破，估值基础没有上升的道理","html":"还有的跌，模式没有突破，估值基础没有上升的道理","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":388021,"gmtCreate":1501593323136,"gmtModify":1501593323136,"authorId":3445926497340405,"author":{"id":3445926497340405,"authorId":3445926497340405,"name":"尼摩船长","avatar":"https://static.laohu8.com/ce77324f35a36bce2ccaad486078f728","vip":1,"crmLevel":5,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":79725,"type":1,"supId":0,"prevId":0,"content":"你还是仔细去研究一下EPS构成的变化吧 根据表面数字就能得出结论 真牛逼","text":"你还是仔细去研究一下EPS构成的变化吧 根据表面数字就能得出结论 真牛逼","html":"你还是仔细去研究一下EPS构成的变化吧 根据表面数字就能得出结论 真牛逼","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":388581,"gmtCreate":1501602300771,"gmtModify":1501602300771,"authorId":3435173829696605,"author":{"id":3435173829696605,"authorId":3435173829696605,"name":"Flyingaway","avatar":"https://static.laohu8.com/024b9b37e581a5d5cd337e46678ac6b5","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":79725,"type":1,"supId":0,"prevId":0,"content":"总之，坏账计提低于20%都是在吹牛","text":"总之，坏账计提低于20%都是在吹牛","html":"总之，坏账计提低于20%都是在吹牛","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":388135,"gmtCreate":1501595232829,"gmtModify":1501595232829,"authorId":7436355058528383,"author":{"id":7436355058528383,"authorId":7436355058528383,"name":"sstone","avatar":"https://static.laohu8.com/a2ef96287a98200bc77833c9636ed4a9","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":79725,"type":1,"supId":0,"prevId":0,"content":"跌的也太狠了","text":"跌的也太狠了","html":"跌的也太狠了","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":388009,"gmtCreate":1501593030471,"gmtModify":1501593030471,"authorId":3450715296396259,"author":{"id":3450715296396259,"authorId":3450715296396259,"name":"王大晨","avatar":"https://static.laohu8.com/d6a216ad9ff9a745a883fe95f88867f0","vip":1,"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":79725,"type":1,"supId":0,"prevId":0,"content":"分析的见血，👍👍👍！","text":"分析的见血，👍👍👍！","html":"分析的见血，👍👍👍！","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0}],"isCommentEnd":false,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/79725"}