Reviewing Jiayin Group (JFIN) and Its Competitors

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

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	10.34%	-15.82%	1.67%

Analyst Recommendations

This is a summary of recent recommendations and price targets 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	896	3369	5300	278	2.50

As a group, “Consumer Finance” companies have a potential upside of 21.01%. Given Jiayin Group’s competitors stronger consensus rating and higher probable upside, analysts plainly believe Jiayin Group has less favorable growth aspects than its competitors.

Valuation & Earnings

This table compares Jiayin Group and its competitors gross revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Jiayin Group	$889.76 million	$219.61 million	2.14
Jiayin Group Competitors	$3.57 billion	$385.17 million	4.57

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.

Institutional and Insider Ownership

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

Risk & Volatility

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

Summary

Jiayin Group competitors beat Jiayin Group on 10 of the 13 factors compared.

About Jiayin Group

Jiayin Group Inc. operates a digital financial services platform focused on consumer lending in China. The platform connects individual borrowers seeking personal loans with banks and other financial institutions that provide funding. Jiayin provides services that support the lending process, including borrower acquisition, credit assessment and risk management, loan facilitation, and post-loan services. It uses data and technology to help evaluate applications and match borrowers with financing options.