FTFT
Future FinTech Group Inc.
Software - Application
Market Cap$7M
5Y Perf.-97.6%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
FTFT vs JFIN
Revenue, margins, valuation, and 5-year total return — side by side.
JFIN
Jiayin Group Inc.
Internet Content & Information
Market Cap$532M
5Y Perf.+138.2%
FTFT vs JFIN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FTFT | JFIN |
|---|---|---|
| Industry | Software - Application | Internet Content & Information |
| Market Cap | $7M | $532M |
| Revenue (TTM) | $4M | $6.54B |
| Net Income (TTM) | $-5M | $1.71B |
| Gross Margin | 10.7% | 80.9% |
| Operating Margin | -8.9% | 32.1% |
| Forward P/E | — | 0.5x |
| Total Debt | $2M | $52M |
| Cash & Equiv. | $2M | $541M |
FTFT vs JFIN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FTFT
JFIN
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Future FinTech Grou… (FTFT) | 100 | 2.4 | -97.6% |
| Jiayin Group Inc. (JFIN) | 100 | 238.2 | +138.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FTFT vs JFIN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: JFIN leads in 4 of 6 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. Future FinTech Group Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
FTFT
Future FinTech Group Inc.
The Growth Play
FTFT is the clearest fit if your priority is growth exposure.
- Rev growth 77.5%, EPS growth 85.2%, 3Y rev CAGR -45.7%
- 77.5% revenue growth vs JFIN's 6.1%
- -4.8% vs JFIN's -54.6%
Best for: growth exposure
JFIN
Jiayin Group Inc.
The Income Pick
JFIN carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 2 yrs, beta 1.19, yield 16.9%
- -56.7% 10Y total return vs FTFT's -98.7%
- Lower volatility, beta 1.19, Low D/E 1.7%, current ratio 2.15x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | FTFT | 77.5% revenue growth vs JFIN's 6.1% |
| Quality / Margins | JFIN | 26.2% margin vs FTFT's -120.6% |
| Stability / Safety | JFIN | Beta 1.19 vs FTFT's 2.54, lower leverage |
| Dividends | JFIN | 16.9% yield; 2-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | FTFT | -4.8% vs JFIN's -54.6% |
| Efficiency (ROA) | JFIN | 21.6% ROA vs FTFT's -11.9%, ROIC 39.9% vs -97.5% |
FTFT vs JFIN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2023
FY 2022
FTFT vs JFIN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLJFINLAGGINGFTFT
FTFTFuture FinTech Group …
1leads
JFINJiayin Group Inc.
3leads
6 Total Categories
CATEGORYLEADERvs FTFTMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
FTFT2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
JFIN7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
JFIN4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
JFIN1/1
Income & Cash Flow (Last 12 Months)
Evenly matched — FTFT and JFIN each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
JFIN is the larger business by revenue, generating $6.5B annually — 1706.7x FTFT's $4M. JFIN is the more profitable business, keeping 26.2% of every revenue dollar as net income compared to FTFT's -120.6%. On growth, FTFT holds the edge at +110.9% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | FTFTFuture FinTech Gr… | JFINJiayin Group Inc. |
|---|---|---|
| RevenueTrailing 12 months | $4M | $6.5B |
| EBITDAEarnings before interest/tax | -$34M | $2.1B |
| Net IncomeAfter-tax profit | -$5M | $1.7B |
| Free Cash FlowCash after capex | $56.6B | $0 |
| Gross MarginGross profit ÷ Revenue | +10.7% | +80.9% |
| Operating MarginEBIT ÷ Revenue | -8.9% | +32.1% |
| Net MarginNet income ÷ Revenue | -120.6% | +26.2% |
| FCF MarginFCF ÷ Revenue | +14767.2% | +11.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +110.9% | +1.8% |
| EPS Growth (YoY)Latest quarter vs prior year | +100.0% | +44.9% |
Evenly matched — FTFT and JFIN each lead in 3 of 6 comparable metrics.
Valuation Metrics
FTFT leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | FTFTFuture FinTech Gr… | JFINJiayin Group Inc. |
|---|---|---|
| Market CapShares × price | $7M | $532M |
| Enterprise ValueMkt cap + debt − cash | $7M | $461M |
| Trailing P/EPrice ÷ TTM EPS | -0.60x | 1.69x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 0.49x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.12x |
| EV / EBITDAEnterprise value multiple | — | 2.48x |
| Price / SalesMarket cap ÷ Revenue | 1.83x | 0.63x |
| Price / BookPrice ÷ Book value/share | 0.06x | 0.57x |
| Price / FCFMarket cap ÷ FCF | — | 5.29x |
FTFT leads this category, winning 2 of 3 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 $-16 for FTFT. JFIN carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to FTFT's 0.04x. On the Piotroski fundamental quality scale (0–9), JFIN scores 6/9 vs FTFT's 5/9, reflecting solid financial health.
| Metric | FTFTFuture FinTech Gr… | JFINJiayin Group Inc. |
|---|---|---|
| ROE (TTM)Return on equity | -16.4% | +39.7% |
| ROA (TTM)Return on assets | -11.9% | +21.6% |
| ROICReturn on invested capital | -97.5% | +39.9% |
| ROCEReturn on capital employed | -117.5% | +32.2% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 0.04x | 0.02x |
| Net DebtTotal debt minus cash | -$457,223 | -$489M |
| Cash & Equiv.Liquid assets | $2M | $541M |
| Total DebtShort + long-term debt | $2M | $52M |
| Interest CoverageEBIT ÷ Interest expense | -228.78x | — |
JFIN leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
JFIN leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in JFIN five years ago would be worth $11,700 today (with dividends reinvested), compared to $82 for FTFT. Over the past 12 months, FTFT leads with a -4.8% total return vs JFIN's -54.6%. The 3-year compound annual growth rate (CAGR) favors JFIN at 10.8% vs FTFT's -52.3% — a key indicator of consistent wealth creation.
| Metric | FTFTFuture FinTech Gr… | JFINJiayin Group Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +85.3% | -18.1% |
| 1-Year ReturnPast 12 months | -4.8% | -54.6% |
| 3-Year ReturnCumulative with dividends | -89.1% | +36.2% |
| 5-Year ReturnCumulative with dividends | -99.2% | +17.0% |
| 10-Year ReturnCumulative with dividends | -98.7% | -56.7% |
| CAGR (3Y)Annualised 3-year return | -52.3% | +10.8% |
JFIN leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FTFT and JFIN each lead in 1 of 2 comparable metrics.
Risk & Volatility
JFIN is the less volatile stock with a 1.19 beta — it tends to amplify market swings less than FTFT's 2.54 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FTFT currently trades 34.5% from its 52-week high vs JFIN's 25.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FTFTFuture FinTech Gr… | JFINJiayin Group Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.54x | 1.19x |
| 52-Week HighHighest price in past year | $4.03 | $19.23 |
| 52-Week LowLowest price in past year | $0.56 | $3.71 |
| % of 52W HighCurrent price vs 52-week peak | +34.5% | +25.6% |
| RSI (14)Momentum oscillator 0–100 | 52.3 | 53.1 |
| Avg Volume (50D)Average daily shares traded | 104K | 62K |
Evenly matched — FTFT 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 | FTFTFuture FinTech Gr… | 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 | 1 | 2 |
| Dividend / ShareAnnual DPS | — | $5.67 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.5% |
JFIN leads this category, winning 1 of 1 comparable metric.
Key Takeaway
JFIN leads in 3 of 6 categories (Profitability & Efficiency, Total Returns). FTFT leads in 1 (Valuation Metrics). 2 tied.
Best OverallJiayin Group Inc. (JFIN)Leads 3 of 6 categories
Loading custom metrics...
FTFT vs JFIN: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is FTFT or JFIN a better buy right now?
For growth investors, Future FinTech Group Inc.
(FTFT) is the stronger pick with 77. 5% revenue growth year-over-year, versus 6. 1% for Jiayin Group Inc. (JFIN). 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 is the better long-term investment — FTFT or JFIN?
Over the past 5 years, Jiayin Group Inc.
(JFIN) delivered a total return of +17. 0%, compared to -99. 2% for Future FinTech Group Inc. (FTFT). Over 10 years, the gap is even starker: JFIN returned -56. 7% versus FTFT's -98. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — FTFT or JFIN?
By beta (market sensitivity over 5 years), Jiayin Group Inc.
(JFIN) is the lower-risk stock at 1. 19β versus Future FinTech Group Inc. 's 2. 54β — meaning FTFT is approximately 114% more volatile than JFIN relative to the S&P 500. On balance sheet safety, Jiayin Group Inc. (JFIN) carries a lower debt/equity ratio of 2% versus 4% for Future FinTech Group Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — FTFT or JFIN?
By revenue growth (latest reported year), Future FinTech Group Inc.
(FTFT) is pulling ahead at 77. 5% versus 6. 1% for Jiayin Group Inc. (JFIN). On earnings-per-share growth, the picture is similar: Future FinTech Group Inc. grew EPS 85. 2% year-over-year, compared to -18. 0% for Jiayin Group 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.
05Which has better profit margins — FTFT or JFIN?
Jiayin Group Inc.
(JFIN) is the more profitable company, earning 18. 2% net margin versus -120. 6% for Future FinTech Group Inc. — meaning it keeps 18. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JFIN leads at 21. 5% versus -888. 0% for FTFT. 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.
06Which pays a better dividend — FTFT or JFIN?
In this comparison, JFIN (16.
9% yield) pays a dividend. FTFT does not pay a meaningful dividend and should not be held primarily for income.
07Is FTFT 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). Future FinTech Group Inc. (FTFT) carries a higher beta of 2. 54 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (JFIN: -56. 7%, FTFT: -98. 7%), 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.
08What are the main differences between FTFT and JFIN?
These companies operate in different sectors (FTFT (Technology) 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: FTFT is a small-cap high-growth stock; JFIN is a small-cap deep-value stock. JFIN pays a dividend while FTFT 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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
- Sector: Communication Services
- Market Cap > $100B
- Net Margin > 15%
- Dividend Yield > 6.7%
Revenue Growth>
%
(FTFT: 110.9% · JFIN: 1.8%)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.