JFIN
Jiayin Group Inc.
Internet Content & Information
Market Cap$534M
5Y Perf.+138.6%
Compare Stocks
4 / 10Try these comparisons:
Stock Comparison
JFIN vs FINV vs QFIN vs LX
Revenue, margins, valuation, and 5-year total return — side by side.
FINV
FinVolution Group
Financial - Credit Services
Market Cap$2.90B
5Y Perf.+236.8%
QFIN
Qfin Holdings, Inc.
Financial - Credit Services
Market Cap$3.75B
5Y Perf.+31.4%
LX
LexinFintech Holdings Ltd.
Financial - Credit Services
Market Cap$147M
5Y Perf.-74.7%
JFIN vs FINV vs QFIN vs LX — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | JFIN | FINV | QFIN | LX |
|---|---|---|---|---|
| Industry | Internet Content & Information | Financial - Credit Services | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $534M | $2.90B | $3.75B | $147M |
| Revenue (TTM) | $6.54B | $13.07B | $17.17B | $14.20B |
| Net Income (TTM) | $1.71B | $2.80B | $6.89B | $1.61B |
| Gross Margin | 80.9% | 79.3% | 61.8% | 35.4% |
| Operating Margin | 32.1% | 19.4% | 43.9% | 16.1% |
| Forward P/E | 0.5x | 0.6x | 0.5x | 0.3x |
| Total Debt | $52M | $34M | $1.65B | $5.27B |
| Cash & Equiv. | $541M | $4.67B | $4.45B | $2.25B |
JFIN vs FINV vs QFIN vs LX — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
JFIN
FINV
QFIN
LX
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | 100 | 238.6 | +138.6% |
| FinVolution Group (FINV) | 100 | 336.8 | +236.8% |
| Qfin Holdings, Inc. (QFIN) | 100 | 131.4 | +31.4% |
| LexinFintech Holdin… (LX) | 100 | 25.3 | -74.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: JFIN vs FINV vs QFIN vs LX
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: JFIN and FINV are tied at the top with 2 categories each — the right choice depends on your priorities. FinVolution Group is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. LX and QFIN also each lead in at least one category. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
JFIN
Jiayin Group Inc.
The Income Pick
JFIN has the current edge in this matchup, primarily because of its strength in income & stability.
- Dividend streak 2 yrs, beta 1.19, yield 16.9%
- 16.9% yield, 2-year raise streak, vs FINV's 4.8%
- 21.6% ROA vs LX's 7.2%, ROIC 39.9% vs 11.0%
Best for: income & stability
FINV
FinVolution Group
The Banking Pick
FINV is the #2 pick in this set and the best alternative if sleep-well-at-night and defensive is your priority.
- Lower volatility, beta 1.12, Low D/E 0.2%, current ratio 4.31x
- Beta 1.12, yield 4.8%, current ratio 4.31x
- Beta 1.12 vs LX's 1.25, lower leverage
- -35.3% vs LX's -70.4%
Best for: sleep-well-at-night and defensive
QFIN
Qfin Holdings, Inc.
The Banking Pick
QFIN is the clearest fit if your priority is long-term compounding and valuation efficiency.
- 16.1% 10Y total return vs FINV's -47.5%
- PEG 0.02 vs FINV's 0.19
- 36.5% margin vs LX's 7.7%
Best for: long-term compounding and valuation efficiency
LX
LexinFintech Holdings Ltd.
The Banking Pick
LX is the clearest fit if your priority is growth exposure.
- Rev growth 8.8%, EPS growth 2.5%
- 8.8% NII/revenue growth vs FINV's 3.7%
- Lower P/E (0.3x vs 0.6x)
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LX | 8.8% NII/revenue growth vs FINV's 3.7% |
| Value | LX | Lower P/E (0.3x vs 0.6x) |
| Quality / Margins | QFIN | 36.5% margin vs LX's 7.7% |
| Stability / Safety | FINV | Beta 1.12 vs LX's 1.25, lower leverage |
| Dividends | JFIN | 16.9% yield, 2-year raise streak, vs FINV's 4.8% |
| Momentum (1Y) | FINV | -35.3% vs LX's -70.4% |
| Efficiency (ROA) | JFIN | 21.6% ROA vs LX's 7.2%, ROIC 39.9% vs 11.0% |
JFIN vs FINV vs QFIN vs LX — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2022
FY 2024
FY 2024
FY 2024
JFIN vs FINV vs QFIN vs LX — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFINVLAGGINGJFIN
Who Leads Where
FINV leads in 2 of 6 categories
QFIN leads 1 • LX leads 1 • JFIN leads 0 • 2 tied
Explore the data ↓JFINJiayin Group Inc.
0leads
LXLexinFintech Holdings…
1leads
QFINQfin Holdings, Inc.
1leads
FINVFinVolution Group
2leads
6 Total Categories
CATEGORYLEADERvs QFINvs LXMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
QFIN3/5
Valuation MetricsMultiples, price ratios, and targets
LX5/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
FINV4/6
Risk & VolatilityBeta, volatility, and downside exposure
FINV2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
QFIN leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
QFIN is the larger business by revenue, generating $17.2B annually — 2.6x JFIN's $6.5B. QFIN is the more profitable business, keeping 36.5% of every revenue dollar as net income compared to LX's 7.7%.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $6.5B | $13.1B | $17.2B | $14.2B |
| EBITDAEarnings before interest/tax | $2.1B | $3.3B | $8.0B | $1.8B |
| Net IncomeAfter-tax profit | $1.7B | $2.8B | $6.9B | $1.6B |
| Free Cash FlowCash after capex | $0 | $1.5B | $10.8B | $0 |
| Gross MarginGross profit ÷ Revenue | +80.9% | +79.3% | +61.8% | +35.4% |
| Operating MarginEBIT ÷ Revenue | +32.1% | +19.4% | +43.9% | +16.1% |
| Net MarginNet income ÷ Revenue | +26.2% | +18.2% | +36.5% | +7.7% |
| FCF MarginFCF ÷ Revenue | +11.8% | +21.9% | +53.5% | +5.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +1.8% | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +44.9% | -2.1% | -9.7% | +110.3% |
QFIN leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
LX leads this category, winning 5 of 7 comparable metrics.
Valuation Metrics
At 1.7x trailing earnings, JFIN trades at a 56% valuation discount to FINV's 3.9x P/E. Adjusting for growth (PEG ratio), QFIN offers better value at 0.11x vs FINV's 1.13x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|---|---|
| Market CapShares × price | $534M | $2.9B | $3.8B | $147M |
| Enterprise ValueMkt cap + debt − cash | $462M | $2.2B | $3.3B | $590M |
| Trailing P/EPrice ÷ TTM EPS | 1.69x | 3.85x | 2.15x | 2.16x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.49x | 0.65x | 0.47x | 0.35x |
| PEG RatioP/E ÷ EPS growth rate | 0.12x | 1.13x | 0.11x | — |
| EV / EBITDAEnterprise value multiple | 2.48x | 5.76x | 2.99x | 1.65x |
| Price / SalesMarket cap ÷ Revenue | 0.63x | 1.51x | 1.49x | 0.07x |
| Price / BookPrice ÷ Book value/share | 0.57x | 0.59x | 0.56x | 0.22x |
| Price / FCFMarket cap ÷ FCF | 5.29x | 6.89x | 2.78x | 1.20x |
LX leads this category, winning 5 of 7 comparable metrics.
Profitability & Efficiency
Evenly matched — JFIN and FINV each lead in 3 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 $15 for LX. FINV carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to LX's 0.49x. On the Piotroski fundamental quality scale (0–9), LX scores 8/9 vs FINV's 5/9, reflecting strong financial health.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +39.7% | +17.4% | +28.8% | +14.7% |
| ROA (TTM)Return on assets | +21.6% | +11.2% | +12.2% | +7.2% |
| ROICReturn on invested capital | +39.9% | +12.9% | +23.1% | +11.0% |
| ROCEReturn on capital employed | +32.2% | +13.8% | +35.6% | +19.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 | 7 | 8 |
| Debt / EquityFinancial leverage | 0.02x | 0.00x | 0.07x | 0.49x |
| Net DebtTotal debt minus cash | -$489M | -$4.6B | -$2.8B | $3.0B |
| Cash & Equiv.Liquid assets | $541M | $4.7B | $4.5B | $2.3B |
| Total DebtShort + long-term debt | $52M | $34M | $1.7B | $5.3B |
| Interest CoverageEBIT ÷ Interest expense | — | — | — | 153.26x |
Evenly matched — JFIN and FINV each lead in 3 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
FINV 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 $12,123 today (with dividends reinvested), compared to $3,364 for LX. Over the past 12 months, FINV leads with a -35.3% total return vs LX's -70.4%. The 3-year compound annual growth rate (CAGR) favors FINV at 13.2% vs QFIN's 0.2% — a key indicator of consistent wealth creation.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | -17.9% | +3.6% | -22.5% | -31.8% |
| 1-Year ReturnPast 12 months | -54.2% | -35.3% | -63.6% | -70.4% |
| 3-Year ReturnCumulative with dividends | +36.4% | +45.1% | +0.6% | +8.1% |
| 5-Year ReturnCumulative with dividends | +21.2% | -2.3% | -19.1% | -66.4% |
| 10-Year ReturnCumulative with dividends | -56.7% | -47.5% | +16.1% | -74.1% |
| CAGR (3Y)Annualised 3-year return | +10.9% | +13.2% | +0.2% | +2.6% |
FINV leads this category, winning 4 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 LX's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FINV currently trades 47.0% from its 52-week high vs LX's 22.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.19x | 1.12x | 1.20x | 1.25x |
| 52-Week HighHighest price in past year | $19.23 | $10.90 | $47.00 | $9.35 |
| 52-Week LowLowest price in past year | $3.71 | $4.50 | $12.30 | $2.02 |
| % of 52W HighCurrent price vs 52-week peak | +25.7% | +47.0% | +28.1% | +22.0% |
| RSI (14)Momentum oscillator 0–100 | 54.0 | 58.4 | 53.7 | 44.7 |
| Avg Volume (50D)Average daily shares traded | 63K | 1.3M | 1.4M | 1.5M |
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
Analyst consensus: JFIN as "Buy", FINV as "Buy", QFIN as "Buy", LX as "Buy". Consensus price targets imply 113.1% upside for QFIN (target: $28) vs 16.0% for FINV (target: $6). For income investors, JFIN offers the higher dividend yield at 16.87% vs FINV's 4.80%.
| Metric | JFINJiayin Group Inc. | FINVFinVolution Group | QFINQfin Holdings, In… | LXLexinFintech Hold… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | — | $5.94 | $28.15 | $3.50 |
| # AnalystsCovering analysts | 1 | 4 | 4 | 12 |
| Dividend YieldAnnual dividend ÷ price | +16.9% | +4.8% | +9.3% | +6.9% |
| Dividend StreakConsecutive years of raises | 2 | 4 | 1 | 2 |
| Dividend / ShareAnnual DPS | $5.67 | $1.67 | $8.32 | $0.97 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.5% | +3.3% | +11.6% | 0.0% |
Evenly matched — JFIN and FINV each lead in 1 of 2 comparable metrics.
Key Takeaway
FINV leads in 2 of 6 categories (Total Returns, Risk & Volatility). QFIN leads in 1 (Income & Cash Flow). 2 tied.
Best OverallFinVolution Group (FINV)Leads 2 of 6 categories
Loading custom metrics...
JFIN vs FINV vs QFIN vs LX: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is JFIN or FINV or QFIN or LX a better buy right now?
For growth investors, LexinFintech Holdings Ltd.
(LX) is the stronger pick with 8. 8% 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 or QFIN or LX?
On trailing P/E, Jiayin Group Inc.
(JFIN) is the cheapest at 1. 7x versus FinVolution Group at 3. 9x. On forward P/E, LexinFintech Holdings Ltd. is actually cheaper at 0. 3x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Qfin Holdings, Inc. wins at 0. 02x 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 or QFIN or LX?
Over the past 5 years, Jiayin Group Inc.
(JFIN) delivered a total return of +21. 2%, compared to -66. 4% for LexinFintech Holdings Ltd. (LX). Over 10 years, the gap is even starker: QFIN returned +16. 1% versus LX's -74. 1%. 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 or QFIN or LX?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 1.
12β versus LexinFintech Holdings Ltd. 's 1. 25β — meaning LX is approximately 12% 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 49% for LexinFintech Holdings Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — JFIN or FINV or QFIN or LX?
By revenue growth (latest reported year), LexinFintech Holdings Ltd.
(LX) is pulling ahead at 8. 8% versus 3. 7% for FinVolution Group (FINV). On earnings-per-share growth, the picture is similar: Qfin Holdings, Inc. grew EPS 60. 7% 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 or QFIN or LX?
Qfin Holdings, Inc.
(QFIN) is the more profitable company, earning 36. 5% net margin versus 7. 7% for LexinFintech Holdings Ltd. — meaning it keeps 36. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: QFIN leads at 43. 9% versus 16. 1% for LX. 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 or QFIN or LX 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, Qfin Holdings, Inc. (QFIN) is the more undervalued stock at a PEG of 0. 02x versus FinVolution Group's 0. 19x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, LexinFintech Holdings Ltd. (LX) trades at 0. 3x forward P/E versus 0. 6x for FinVolution Group — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for QFIN: 113. 1% to $28. 15.
08Which pays a better dividend — JFIN or FINV or QFIN or LX?
All stocks in this comparison pay dividends.
Jiayin Group Inc. (JFIN) offers the highest yield at 16. 9%, versus 4. 8% for FinVolution Group (FINV).
09Is JFIN or FINV or QFIN or LX 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. 8% yield). Both have compounded well over 10 years (FINV: -47. 5%, LX: -74. 1%), 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 and QFIN and LX?
These companies operate in different sectors (JFIN (Communication Services) and FINV (Financial Services) and QFIN (Financial Services) and LX (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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform all of them.
- 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
(JFIN: 1.7x · FINV: 3.9x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.