Head-To-Head Analysis: Jiayin Group (JFIN) versus Its Peers

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

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.

Valuation and Earnings

This table compares Jiayin Group and its rivals revenue, earnings per share 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 rivals have higher revenue and earnings than Jiayin Group. Jiayin Group is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Analyst Ratings

This is a breakdown of recent recommendations for Jiayin Group and its rivals, as provided by MarketBeat.

	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 rivals stronger consensus rating and higher probable upside, analysts plainly believe Jiayin Group has less favorable growth aspects than its rivals.

Institutional and Insider 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 large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares Jiayin Group and its rivals’ 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 and Risk

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

Summary

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

Jiayin Group Company Profile

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.