Vanquis Banking Group (OTCMKTS:FPLPF) vs. Jiayin Group (NASDAQ:JFIN) Head-To-Head Contrast

Jiayin Group (NASDAQ:JFIN) and Vanquis Banking Group (OTCMKTS:FPLPF) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, profitability, earnings, valuation and risk.

Earnings & Valuation

This table compares Jiayin Group and Vanquis Banking Group”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$889.76 million	0.15	$219.61 million	$2.52	0.99
Vanquis Banking Group	N/A	N/A	N/A	$1.12	1.40

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

Analyst Recommendations

This is a summary of current ratings for Jiayin Group and Vanquis Banking Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	1	0	0	0	1.00
Vanquis Banking Group	0	0	0	0	0.00

Institutional & Insider Ownership

44.1% of Jiayin Group shares are held by institutional investors. Comparatively, 58.3% of Vanquis Banking Group shares are held by institutional investors. 51.2% of Jiayin Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Jiayin Group	17.79%	21.67%	11.33%
Vanquis Banking Group	N/A	N/A	N/A

Summary

Jiayin Group beats Vanquis Banking Group on 7 of the 9 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 Vanquis Banking Group

Vanquis Banking Group plc engages in the provision of personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company offers credit cards products, and unsecured personal loans products, as well as provides vehicle finance for cars, motorbikes, van, and light commercial vehicles. It also operates Snoop, a fintech app, that uses open banking to help users save money and manage their finances. The company was formerly known as Provident Financial plc and changed its name to Vanquis Banking Group plc in March 2023. Vanquis Banking Group plc was founded in 1880 and is headquartered in Bradford, the United Kingdom.