Yirendai has strong revenue growth, a good return on equity, an attractive valuation, a nice cash flow, is free of debt, and plans on continuing to pay a dividend. However, one risk that Yirendai faces is regulatory. Chinese regulators continue to try and clean up the wild west business of P2P lending by - among other things - pushing for some to exit the industry.
Dangerous chart. I would wait for a clear break above 20$ before I would start buying. Main trend is crystal clear, buying long now is playing against heavy odds.