JFIN
Jiayin Group Inc.
Internet Content & Information
Market Cap$532M
5Y Perf.+138.2%
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Stock Comparison
JFIN vs FINV
Revenue, margins, valuation, and 5-year total return — side by side.
FINV
FinVolution Group
Financial - Credit Services
Market Cap$2.96B
5Y Perf.+243.4%
JFIN vs FINV — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | JFIN | FINV |
|---|---|---|
| Industry | Internet Content & Information | Financial - Credit Services |
| Market Cap | $532M | $2.96B |
| Revenue (TTM) | $6.54B | $13.07B |
| Net Income (TTM) | $1.71B | $2.80B |
| Gross Margin | 80.9% | 79.3% |
| Operating Margin | 32.1% | 19.4% |
| Forward P/E | 0.5x | 0.7x |
| Total Debt | $52M | $34M |
| Cash & Equiv. | $541M | $4.67B |
JFIN vs FINV — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
JFIN
FINV
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | 100 | 238.2 | +138.2% |
| FinVolution Group (FINV) | 100 | 343.4 | +243.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: JFIN vs FINV
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 valuation and capital efficiency. FinVolution Group is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
JFIN
Jiayin Group Inc.
The Growth Play
JFIN carries the broadest edge in this set and is the clearest fit for growth exposure and valuation efficiency.
- Rev growth 6.1%, EPS growth -18.0%, 3Y rev CAGR 48.2%
- PEG 0.03 vs FINV's 0.19
- 6.1% revenue growth vs FINV's 3.7%
Best for: growth exposure and valuation efficiency
FINV
FinVolution Group
The Banking Pick
FINV is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 4 yrs, beta 1.12, yield 4.7%
- -46.8% 10Y total return vs JFIN's -56.7%
- Lower volatility, beta 1.12, Low D/E 0.2%, current ratio 4.31x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | JFIN | 6.1% revenue growth vs FINV's 3.7% |
| Value | JFIN | Lower P/E (0.5x vs 0.7x), PEG 0.03 vs 0.19 |
| Quality / Margins | JFIN | 26.2% margin vs FINV's 18.2% |
| Stability / Safety | FINV | Beta 1.12 vs JFIN's 1.19, lower leverage |
| Dividends | JFIN | 16.9% yield, 2-year raise streak, vs FINV's 4.7% |
| Momentum (1Y) | FINV | -36.2% vs JFIN's -54.6% |
| Efficiency (ROA) | JFIN | 21.6% ROA vs FINV's 11.2%, ROIC 39.9% vs 12.9% |
JFIN vs FINV — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2022
FY 2024
JFIN vs FINV — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLJFINLAGGINGFINV
FINVFinVolution Group
2leads
JFINJiayin Group Inc.
3leads
6 Total Categories
CATEGORYLEADERvs FINVMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
JFIN4/5
Valuation MetricsMultiples, price ratios, and targets
JFIN7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
JFIN5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
FINV5/6
Risk & VolatilityBeta, volatility, and downside exposure
FINV2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
JFIN leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FINV is the larger business by revenue, generating $13.1B annually — 2.0x JFIN's $6.5B. JFIN is the more profitable business, keeping 26.2% of every revenue dollar as net income compared to FINV's 18.2%.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group |
|---|---|---|
| RevenueTrailing 12 months | $6.5B | $13.1B |
| EBITDAEarnings before interest/tax | $2.1B | $3.3B |
| Net IncomeAfter-tax profit | $1.7B | $2.8B |
| Free Cash FlowCash after capex | $0 | $1.5B |
| Gross MarginGross profit ÷ Revenue | +80.9% | +79.3% |
| Operating MarginEBIT ÷ Revenue | +32.1% | +19.4% |
| Net MarginNet income ÷ Revenue | +26.2% | +18.2% |
| FCF MarginFCF ÷ Revenue | +11.8% | +21.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +1.8% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +44.9% | -2.1% |
JFIN leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
JFIN leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 1.7x trailing earnings, JFIN trades at a 57% valuation discount to FINV's 3.9x P/E. Adjusting for growth (PEG ratio), JFIN offers better value at 0.12x vs FINV's 1.15x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group |
|---|---|---|
| Market CapShares × price | $532M | $3.0B |
| Enterprise ValueMkt cap + debt − cash | $461M | $2.3B |
| Trailing P/EPrice ÷ TTM EPS | 1.69x | 3.93x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.49x | 0.66x |
| PEG RatioP/E ÷ EPS growth rate | 0.12x | 1.15x |
| EV / EBITDAEnterprise value multiple | 2.48x | 5.92x |
| Price / SalesMarket cap ÷ Revenue | 0.63x | 1.54x |
| Price / BookPrice ÷ Book value/share | 0.57x | 0.60x |
| Price / FCFMarket cap ÷ FCF | 5.29x | 7.04x |
JFIN leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
JFIN leads this category, winning 5 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 $17 for FINV. FINV carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to JFIN's 0.02x. On the Piotroski fundamental quality scale (0–9), JFIN scores 6/9 vs FINV's 5/9, reflecting solid financial health.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group |
|---|---|---|
| ROE (TTM)Return on equity | +39.7% | +17.4% |
| ROA (TTM)Return on assets | +21.6% | +11.2% |
| ROICReturn on invested capital | +39.9% | +12.9% |
| ROCEReturn on capital employed | +32.2% | +13.8% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.02x | 0.00x |
| Net DebtTotal debt minus cash | -$489M | -$4.6B |
| Cash & Equiv.Liquid assets | $541M | $4.7B |
| Total DebtShort + long-term debt | $52M | $34M |
| Interest CoverageEBIT ÷ Interest expense | — | — |
JFIN leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
FINV 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 $11,700 today (with dividends reinvested), compared to $10,142 for FINV. Over the past 12 months, FINV leads with a -36.2% total return vs JFIN's -54.6%. The 3-year compound annual growth rate (CAGR) favors FINV at 13.8% vs JFIN's 10.8% — a key indicator of consistent wealth creation.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group |
|---|---|---|
| YTD ReturnYear-to-date | -18.1% | +5.5% |
| 1-Year ReturnPast 12 months | -54.6% | -36.2% |
| 3-Year ReturnCumulative with dividends | +36.2% | +47.5% |
| 5-Year ReturnCumulative with dividends | +17.0% | +1.4% |
| 10-Year ReturnCumulative with dividends | -56.7% | -46.8% |
| CAGR (3Y)Annualised 3-year return | +10.8% | +13.8% |
FINV leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
FINV leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
FINV is the less volatile stock with a 1.12 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. FINV currently trades 47.9% from its 52-week high vs JFIN's 25.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.19x | 1.12x |
| 52-Week HighHighest price in past year | $19.23 | $10.90 |
| 52-Week LowLowest price in past year | $3.71 | $4.50 |
| % of 52W HighCurrent price vs 52-week peak | +25.6% | +47.9% |
| RSI (14)Momentum oscillator 0–100 | 53.1 | 54.5 |
| Avg Volume (50D)Average daily shares traded | 62K | 1.3M |
FINV leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — JFIN and FINV each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates JFIN as "Buy" and FINV as "Buy". For income investors, JFIN offers the higher dividend yield at 16.87% vs FINV's 4.70%.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $5.94 |
| # AnalystsCovering analysts | 1 | 4 |
| Dividend YieldAnnual dividend ÷ price | +16.9% | +4.7% |
| Dividend StreakConsecutive years of raises | 2 | 4 |
| Dividend / ShareAnnual DPS | $5.67 | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.5% | +3.2% |
Evenly matched — JFIN and FINV each lead in 1 of 2 comparable metrics.
Key Takeaway
JFIN leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). FINV leads in 2 (Total Returns, Risk & Volatility). 1 tied.
Best OverallJiayin Group Inc. (JFIN)Leads 3 of 6 categories
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JFIN vs FINV: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is JFIN or FINV 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 3. 7% for FinVolution Group (FINV). 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 — JFIN or FINV?
On trailing P/E, Jiayin Group Inc.
(JFIN) is the cheapest at 1. 7x versus FinVolution Group at 3. 9x. On forward P/E, Jiayin Group Inc. is actually cheaper at 0. 5x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Jiayin Group Inc. wins at 0. 03x versus FinVolution Group's 0. 19x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — JFIN or FINV?
Over the past 5 years, Jiayin Group Inc.
(JFIN) delivered a total return of +17. 0%, compared to +1. 4% for FinVolution Group (FINV). Over 10 years, the gap is even starker: FINV returned -46. 8% 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 — JFIN or FINV?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 1.
12β versus Jiayin Group Inc. 's 1. 19β — meaning JFIN is approximately 6% more volatile than FINV relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 2% for Jiayin Group Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — JFIN or FINV?
By revenue growth (latest reported year), Jiayin Group Inc.
(JFIN) is pulling ahead at 6. 1% versus 3. 7% for FinVolution Group (FINV). On earnings-per-share growth, the picture is similar: FinVolution Group grew EPS 8. 4% year-over-year, compared to -18. 0% for Jiayin Group Inc.. 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 — JFIN or FINV?
FinVolution Group (FINV) is the more profitable company, earning 18.
2% net margin versus 18. 2% for Jiayin 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 19. 4% for FINV. At the gross margin level — before operating expenses — FINV leads at 79. 3%, 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 JFIN or FINV more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Jiayin Group Inc. (JFIN) is the more undervalued stock at a PEG of 0. 03x versus FinVolution Group's 0. 19x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Jiayin Group Inc. (JFIN) trades at 0. 5x forward P/E versus 0. 7x for FinVolution Group — 0. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — JFIN or FINV?
All stocks in this comparison pay dividends.
Jiayin Group Inc. (JFIN) offers the highest yield at 16. 9%, versus 4. 7% for FinVolution Group (FINV).
09Is JFIN or FINV better for a retirement portfolio?
For long-horizon retirement investors, FinVolution Group (FINV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
12), 4. 7% yield). Both have compounded well over 10 years (FINV: -46. 8%, JFIN: -56. 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.
10What are the main differences between JFIN and FINV?
These companies operate in different sectors (JFIN (Communication Services) and FINV (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
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>
%
(JFIN: 1.8% · FINV: 3.7%)Net Margin>
%
(JFIN: 26.2% · FINV: 18.2%)P/E Ratio<
x
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