We assign a fundamental rating of 2 out of 10 to LYL. LYL was compared to 54 industry peers in the Consumer Finance industry. While LYL has a great health rating, there are worries on its profitability. LYL is valued expensive and it does not seem to be growing.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

LYL had negative earnings in the past year.
In the past year LYL has reported a negative cash flow from operations.

1.2 Ratios

The profitability ratios for LYL are negative, so there is not much use analyzing them.

		Industry Rank	Sector Rank
ROA	N/A
ROE	N/A
ROIC	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for LYL so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LYL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, LYL has more shares outstanding
LYL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

Based on the Altman-Z score of -0.30, we must say that LYL is in the distress zone and has some risk of bankruptcy.
LYL's Altman-Z score of -0.30 is amongst the best of the industry. LYL outperforms 83.64% of its industry peers.
LYL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	-0.3

ROIC/WACCN/A

WACC7.3%

2.3 Liquidity

LYL has a Current Ratio of 2.36. This indicates that LYL is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 2.36, LYL belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
LYL has a Quick Ratio of 2.36. This indicates that LYL is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of LYL (2.36) is better than 87.27% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.36
Quick Ratio	2.36

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

LYL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -63.81%.
The Revenue has grown by 848.36% in the past year. This is a very strong growth!
The Revenue has been decreasing by -9.70% on average over the past years.

EPS 1Y (TTM)-63.81%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%8.94%

Revenue 1Y (TTM)848.36%

Revenue growth 3Y-7.91%

Revenue growth 5Y-9.7%

Sales Q2Q%421.55%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.