Список проголосовавших за комментарий " <table class="BriefingDataTable" border="0" cellspacing="0" cellpadding="0"><tr> <td class="tickerColumn"> </td> <td class="articleColumn">Yirendai target lowered to $33 at Needham after Q4 earnings, guidance below expectations for FY17 (25.65)Needham lowers their YRD tgt to $33 from $38 to reflect the new product impact following Q4 results. Firm notes YRD inished FY16 on a strong note, reporting 4Q results that handily beat estimates on both the top and bottom line. Growth in loan facilitation remains healthy, and take rate was strong for the quarter as well. Management introduced guidance for FY17 that was below expectations, as a mid-year strategic shift to more customer-friendly products involves monthly fee collection and therefore upfront costs and delayed but recurring revenue recognition. <strong>They still view YRD as well positioned in the rapidly consolidating and increasingly regulated Chinese P2P lending industry; Buy.</strong></td> </tr></table>"