Head-To-Head Comparison: Jernigan Capital (NASDAQ:JCAP) and Jiayin Group (NASDAQ:JFIN)

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

Analyst Ratings

This is a breakdown of current ratings 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, indicating a potential upside of 37.84%. Given Jernigan Capital’s stronger consensus rating and higher probable upside, analysts plainly believe Jernigan Capital is more favorable than Jiayin Group.

Dividends

Jiayin Group pays an annual dividend of $0.79 per share and has a dividend yield of 59.8%. Jernigan Capital pays an annual dividend of $0.96 per share and has a dividend yield of 4.8%. 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. Jernigan Capital pays out 39.2% of its earnings in the form of a dividend.

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$4.05 billion	0.02	$219.61 million	$0.64	2.06
Jernigan Capital	$613.29 million	1.87	$187.96 million	$2.45	8.14

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.

Volatility & Risk

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

Institutional & Insider Ownership

44.1% of Jiayin Group shares are owned by institutional investors. 51.2% of Jiayin Group shares are owned by insiders. Comparatively, 8.3% of Jernigan Capital shares are owned by 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.

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 11 of the 17 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.