AIFU
AIFU Inc.
Insurance - Specialty
Market Cap$177M
5Y Perf.-94.7%
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Stock Comparison
AIFU vs JFIN
Revenue, margins, valuation, and 5-year total return — side by side.
JFIN
Jiayin Group Inc.
Internet Content & Information
Market Cap$534M
5Y Perf.-28.3%
AIFU vs JFIN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AIFU | JFIN |
|---|---|---|
| Industry | Insurance - Specialty | Internet Content & Information |
| Market Cap | $177M | $534M |
| Revenue (TTM) | $3.20B | $6.54B |
| Net Income (TTM) | $280M | $1.71B |
| Gross Margin | 32.9% | 80.9% |
| Operating Margin | 6.1% | 32.1% |
| Forward P/E | 0.0x | 0.5x |
| Total Debt | $206M | $52M |
| Cash & Equiv. | $192M | $541M |
AIFU vs JFIN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AIFU
JFIN
| Stock | Sep 24 | May 26 | Return |
|---|---|---|---|
| AIFU Inc. (AIFU) | 100 | 5.3 | -94.7% |
| Jiayin Group Inc. (JFIN) | 100 | 71.7 | -28.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AIFU vs JFIN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: JFIN leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. AIFU Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
AIFU
AIFU Inc.
The Insurance Pick
AIFU is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 0.94
- 246.9% 10Y total return vs JFIN's -56.7%
- Lower volatility, beta 0.94, Low D/E 7.8%, current ratio 2.50x
Best for: income & stability and long-term compounding
JFIN
Jiayin Group Inc.
The Growth Play
JFIN carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 6.1%, EPS growth -18.0%, 3Y rev CAGR 48.2%
- 6.1% revenue growth vs AIFU's -43.4%
- 26.2% margin vs AIFU's 8.8%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | JFIN | 6.1% revenue growth vs AIFU's -43.4% |
| Value | AIFU | Lower P/E (0.0x vs 0.5x) |
| Quality / Margins | JFIN | 26.2% margin vs AIFU's 8.8% |
| Stability / Safety | AIFU | Beta 0.94 vs JFIN's 1.19 |
| Dividends | JFIN | 16.9% yield; 2-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | JFIN | -54.2% vs AIFU's -56.7% |
| Efficiency (ROA) | JFIN | 21.6% ROA vs AIFU's 7.0%, ROIC 39.9% vs -13.8% |
AIFU vs JFIN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2022
AIFU vs JFIN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLJFINLAGGINGAIFU
AIFUAIFU Inc.
0leads
JFINJiayin Group Inc.
5leads
6 Total Categories
CATEGORYLEADERvs AIFUMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
JFIN6/6
Valuation MetricsMultiples, price ratios, and targets
JFIN3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
JFIN7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
JFIN5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
JFIN1/1
Income & Cash Flow (Last 12 Months)
JFIN leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
JFIN is the larger business by revenue, generating $6.5B annually — 2.0x AIFU's $3.2B. JFIN is the more profitable business, keeping 26.2% of every revenue dollar as net income compared to AIFU's 8.8%. On growth, JFIN holds the edge at +1.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | AIFUAIFU Inc. | JFINJiayin Group Inc. |
|---|---|---|
| RevenueTrailing 12 months | $3.2B | $6.5B |
| EBITDAEarnings before interest/tax | $175M | $2.1B |
| Net IncomeAfter-tax profit | $280M | $1.7B |
| Free Cash FlowCash after capex | $89M | $0 |
| Gross MarginGross profit ÷ Revenue | +32.9% | +80.9% |
| Operating MarginEBIT ÷ Revenue | +6.1% | +32.1% |
| Net MarginNet income ÷ Revenue | +8.8% | +26.2% |
| FCF MarginFCF ÷ Revenue | +2.8% | +11.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | -21.4% | +1.8% |
| EPS Growth (YoY)Latest quarter vs prior year | -2.3% | +44.9% |
JFIN leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
JFIN leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 1.7x trailing earnings, JFIN trades at a 100% valuation discount to AIFU's 353.1x P/E.
| Metric | AIFUAIFU Inc. | JFINJiayin Group Inc. |
|---|---|---|
| Market CapShares × price | $177M | $534M |
| Enterprise ValueMkt cap + debt − cash | $179M | $462M |
| Trailing P/EPrice ÷ TTM EPS | 353.14x | 1.69x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.02x | 0.49x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.12x |
| EV / EBITDAEnterprise value multiple | — | 2.48x |
| Price / SalesMarket cap ÷ Revenue | 0.67x | 0.63x |
| Price / BookPrice ÷ Book value/share | 0.42x | 0.57x |
| Price / FCFMarket cap ÷ FCF | 8.97x | 5.29x |
JFIN leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
JFIN leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
JFIN delivers a 39.7% return on equity — every $100 of shareholder capital generates $40 in annual profit, vs $12 for AIFU. JFIN carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to AIFU's 0.08x. On the Piotroski fundamental quality scale (0–9), AIFU scores 7/9 vs JFIN's 6/9, reflecting strong financial health.
| Metric | AIFUAIFU Inc. | JFINJiayin Group Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +12.2% | +39.7% |
| ROA (TTM)Return on assets | +7.0% | +21.6% |
| ROICReturn on invested capital | -13.8% | +39.9% |
| ROCEReturn on capital employed | -13.7% | +32.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.08x | 0.02x |
| Net DebtTotal debt minus cash | $14M | -$489M |
| Cash & Equiv.Liquid assets | $192M | $541M |
| Total DebtShort + long-term debt | $206M | $52M |
| Interest CoverageEBIT ÷ Interest expense | 32.53x | — |
JFIN leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
JFIN leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in JFIN five years ago would be worth $12,123 today (with dividends reinvested), compared to $4,599 for AIFU. Over the past 12 months, JFIN leads with a -54.2% total return vs AIFU's -56.7%. The 3-year compound annual growth rate (CAGR) favors JFIN at 10.9% vs AIFU's -59.2% — a key indicator of consistent wealth creation.
| Metric | AIFUAIFU Inc. | JFINJiayin Group Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -44.3% | -17.9% |
| 1-Year ReturnPast 12 months | -56.7% | -54.2% |
| 3-Year ReturnCumulative with dividends | -93.2% | +36.4% |
| 5-Year ReturnCumulative with dividends | -54.0% | +21.2% |
| 10-Year ReturnCumulative with dividends | +246.9% | -56.7% |
| CAGR (3Y)Annualised 3-year return | -59.2% | +10.9% |
JFIN leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — AIFU and JFIN each lead in 1 of 2 comparable metrics.
Risk & Volatility
AIFU is the less volatile stock with a 0.94 beta — it tends to amplify market swings less than JFIN's 1.19 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. JFIN currently trades 25.7% from its 52-week high vs AIFU's 16.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AIFUAIFU Inc. | JFINJiayin Group Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.94x | 1.19x |
| 52-Week HighHighest price in past year | $9.40 | $19.23 |
| 52-Week LowLowest price in past year | $1.00 | $3.71 |
| % of 52W HighCurrent price vs 52-week peak | +16.1% | +25.7% |
| RSI (14)Momentum oscillator 0–100 | 58.0 | 54.0 |
| Avg Volume (50D)Average daily shares traded | 10K | 63K |
Evenly matched — AIFU and JFIN each lead in 1 of 2 comparable metrics.
Analyst Outlook
JFIN leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
JFIN is the only dividend payer here at 16.87% yield — a key consideration for income-focused portfolios.
| Metric | AIFUAIFU Inc. | JFINJiayin Group Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | 1 |
| Dividend YieldAnnual dividend ÷ price | — | +16.9% |
| Dividend StreakConsecutive years of raises | 0 | 2 |
| Dividend / ShareAnnual DPS | — | $5.67 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.5% | +1.5% |
JFIN leads this category, winning 1 of 1 comparable metric.
Key Takeaway
JFIN leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 1 category is tied.
Best OverallJiayin Group Inc. (JFIN)Leads 5 of 6 categories
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AIFU vs JFIN: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AIFU or JFIN a better buy right now?
For growth investors, Jiayin Group Inc.
(JFIN) is the stronger pick with 6. 1% revenue growth year-over-year, versus -43. 4% for AIFU Inc. (AIFU). Jiayin Group Inc. (JFIN) offers the better valuation at 1. 7x trailing P/E (0. 5x forward), making it the more compelling value choice. Analysts rate Jiayin Group Inc. (JFIN) a "Buy" — based on 1 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AIFU or JFIN?
On trailing P/E, Jiayin Group Inc.
(JFIN) is the cheapest at 1. 7x versus AIFU Inc. at 353. 1x. On forward P/E, AIFU Inc. is actually cheaper at 0. 0x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — AIFU or JFIN?
Over the past 5 years, Jiayin Group Inc.
(JFIN) delivered a total return of +21. 2%, compared to -54. 0% for AIFU Inc. (AIFU). Over 10 years, the gap is even starker: AIFU returned +246. 9% versus JFIN's -56. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AIFU or JFIN?
By beta (market sensitivity over 5 years), AIFU Inc.
(AIFU) is the lower-risk stock at 0. 94β versus Jiayin Group Inc. 's 1. 19β — meaning JFIN is approximately 26% more volatile than AIFU relative to the S&P 500. On balance sheet safety, Jiayin Group Inc. (JFIN) carries a lower debt/equity ratio of 2% versus 8% for AIFU Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — AIFU or JFIN?
By revenue growth (latest reported year), Jiayin Group Inc.
(JFIN) is pulling ahead at 6. 1% versus -43. 4% for AIFU Inc. (AIFU). On earnings-per-share growth, the picture is similar: Jiayin Group Inc. grew EPS -18. 0% year-over-year, compared to -98. 9% for AIFU Inc.. Over a 3-year CAGR, JFIN leads at 48. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AIFU or JFIN?
AIFU Inc.
(AIFU) is the more profitable company, earning 25. 2% net margin versus 18. 2% for Jiayin Group Inc. — meaning it keeps 25. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JFIN leads at 21. 5% versus -24. 1% for AIFU. At the gross margin level — before operating expenses — JFIN leads at 64. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is AIFU or JFIN more undervalued right now?
On forward earnings alone, AIFU Inc.
(AIFU) trades at 0. 0x forward P/E versus 0. 5x for Jiayin Group Inc. — 0. 5x cheaper on a one-year earnings basis.
08Which pays a better dividend — AIFU or JFIN?
In this comparison, JFIN (16.
9% yield) pays a dividend. AIFU does not pay a meaningful dividend and should not be held primarily for income.
09Is AIFU or JFIN better for a retirement portfolio?
For long-horizon retirement investors, Jiayin Group Inc.
(JFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 19), 16. 9% yield). Both have compounded well over 10 years (JFIN: -56. 7%, AIFU: +246. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between AIFU and JFIN?
These companies operate in different sectors (AIFU (Financial Services) and JFIN (Communication Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: AIFU is a small-cap quality compounder stock; JFIN is a small-cap deep-value stock. JFIN pays a dividend while AIFU does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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- Sector: Communication Services
- Market Cap > $100B
- Net Margin > 15%
- Dividend Yield > 6.7%
Revenue Growth>
%
(AIFU: -21.4% · JFIN: 1.8%)Net Margin>
%
(AIFU: 8.8% · JFIN: 26.2%)P/E Ratio<
x
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