Jiayin Group (JFIN) & Its Peers Critical Comparison

Jiayin Group (NASDAQ:JFIN) is one of 120 public companies in the “Consumer Finance” industry, but how does it compare to its competitors? We will compare Jiayin Group to related companies based on the strength of its analyst recommendations, institutional ownership, earnings, profitability, dividends, valuation and risk.

Dividends

Jiayin Group pays an annual dividend of $0.79 per share and has a dividend yield of 57.9%. Jiayin Group pays out 123.4% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “Consumer Finance” companies pay a dividend yield of 6.2% and pay out 34.6% of their earnings in the form of a dividend.

Profitability

This table compares Jiayin Group and its competitors’ 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%
Jiayin Group Competitors	10.48%	-15.61%	2.01%

Volatility & Risk

Jiayin Group has a beta of 0.89, indicating that its stock price is 11% less volatile than the S&P 500. Comparatively, Jiayin Group’s competitors have a beta of 1.26, indicating that their average stock price is 26% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Jiayin Group and its competitors, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	1	0	0	0	1.00
Jiayin Group Competitors	895	3363	5296	276	2.50

As a group, “Consumer Finance” companies have a potential upside of 21.70%. Given Jiayin Group’s competitors stronger consensus rating and higher possible upside, analysts plainly believe Jiayin Group has less favorable growth aspects than its competitors.

Valuation & Earnings

This table compares Jiayin Group and its competitors top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Jiayin Group	$4.05 billion	$219.61 million	2.13
Jiayin Group Competitors	$4.11 billion	$385.17 million	4.52

Jiayin Group’s competitors have higher revenue and earnings than Jiayin Group. Jiayin Group is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Insider & Institutional Ownership

44.1% of Jiayin Group shares are owned by institutional investors. Comparatively, 45.7% of shares of all “Consumer Finance” companies are owned by institutional investors. 51.2% of Jiayin Group shares are owned by company insiders. Comparatively, 22.0% of shares of all “Consumer Finance” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

Jiayin Group competitors beat Jiayin Group on 11 of the 15 factors compared.

About Jiayin Group

Jiayin Group Inc. (NASDAQ: JFIN) is a China-based financial technology company that operates an online consumer finance platform. The company uses digital technologies, data analysis and risk-management tools to facilitate access to personal loans for individual borrowers, particularly customers who may be underserved by traditional financial institutions. Jiayin’s platform connects borrowers with funding sources, including institutional investors and other financing partners. Its services generally include borrower acquisition, credit assessment, loan matching and facilitation, as well as post-loan servicing and collection support.