Head to Head Contrast: Jiayin Group (NASDAQ:JFIN) & Jernigan Capital (NASDAQ:JCAP)

Jiayin Group (NASDAQ:JFIN) and Jernigan Capital (NASDAQ:JCAP) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, profitability, earnings, institutional ownership, risk, analyst recommendations and valuation.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Jiayin Group and Jernigan Capital, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	1	0	0	0	1.00
Jernigan Capital	1	0	5	1	2.86

Jernigan Capital has a consensus price target of $27.50, suggesting a potential upside of 33.89%. Given Jernigan Capital’s stronger consensus rating and higher probable upside, analysts clearly believe Jernigan Capital is more favorable than Jiayin Group.

Volatility and Risk

Jiayin Group has a beta of 0.9, suggesting that its share price is 10% less volatile than the S&P 500. Comparatively, Jernigan Capital has a beta of -0.02, suggesting that its share price is 102% less volatile than the S&P 500.

Institutional and Insider Ownership

44.1% of Jiayin Group shares are owned by institutional investors. 51.2% of Jiayin Group shares are owned by company insiders. Comparatively, 8.3% of Jernigan Capital shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares Jiayin Group and Jernigan Capital”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$889.76 million	0.08	$219.61 million	$0.64	2.02
Jernigan Capital	$613.29 million	1.92	$187.96 million	$2.45	8.38

Jiayin Group has higher revenue and earnings than Jernigan Capital. Jiayin Group is trading at a lower price-to-earnings ratio than Jernigan Capital, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Jiayin Group and Jernigan Capital’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Jiayin Group	5.39%	5.02%	2.57%
Jernigan Capital	23.50%	35.87%	8.16%

Summary

Jernigan Capital beats Jiayin Group on 10 of the 15 factors compared between the two stocks.

About Jiayin Group

Jiayin Group Inc., together with its subsidiaries, provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers referral services for investment products offered by the financial service providers; and technology development and services, as well as guarantee services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.

About Jernigan Capital

Jernigan Capital is a New York Stock Exchange-listed real estate investment trust (NYSE: JCAP) that provides debt and equity capital to private developers, owners and operators of self-storage facilities with a view to eventual outright ownership of facilities the Company finances. The Company's mission is to maximize shareholder value by accumulating a multi-billion dollar investment portfolio consisting of the newest, most attractive and best located self-storage facilities in the United States through a talented and experienced team demonstrating the highest levels of integrity, dedication, excellence and community.