Critical Contrast: BOX (NYSE:BOX) versus Jiayin Group (NASDAQ:JFIN)

Jiayin Group (NASDAQ:JFIN) and BOX (NYSE:BOX) are both computer and technology companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, dividends, profitability, valuation, institutional ownership, earnings and analyst recommendations.

Insider & Institutional Ownership

44.1% of Jiayin Group shares are owned by institutional investors. Comparatively, 86.7% of BOX shares are owned by institutional investors. 51.2% of Jiayin Group shares are owned by company insiders. Comparatively, 3.9% of BOX shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares Jiayin Group and BOX”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$6.22 billion	0.04	$219.61 million	$4.08	1.14
BOX	$1.18 billion	2.84	$115.38 million	$0.59	40.93

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

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Jiayin Group and BOX, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	0	1	0	0	2.00
BOX	1	5	4	0	2.30

BOX has a consensus price target of $35.57, suggesting a potential upside of 47.31%. Given BOX’s stronger consensus rating and higher possible upside, analysts plainly believe BOX is more favorable than Jiayin Group.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Jiayin Group	24.60%	37.45%	20.10%
BOX	9.80%	-23.61%	4.17%

Volatility & Risk

Jiayin Group has a beta of 0.76, indicating that its stock price is 24% less volatile than the S&P 500. Comparatively, BOX has a beta of 0.71, indicating that its stock price is 29% less volatile than the S&P 500.

Summary

Jiayin Group beats BOX on 8 of the 14 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 BOX

Box, Inc. engages in the provision of an enterprise content platform that enables organizations to securely manage enterprise content while allowing easy, secure access and sharing of this content from anywhere, on any device. Its products include cloud content management, IT and admin controls, Box Governance, Box Zones, Box Relay, Box Shuttle, and Box KeySafe. The company was founded by Aaron Levie, Dylan Smith, Jeff Queisser, and Sam Ghods in March 2005 and is headquartered in Redwood City, CA.