JFIN vs LX

For growth investors, LexinFintech Holdings Ltd.

(LX) is the stronger pick with 8. 8% 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.

On trailing P/E, Jiayin Group Inc.

(JFIN) is the cheapest at 1. 7x versus LexinFintech Holdings Ltd. at 2. 3x. On forward P/E, LexinFintech Holdings Ltd. is actually cheaper at 0. 4x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Jiayin Group Inc.

(JFIN) delivered a total return of +17. 0%, compared to -65. 4% for LexinFintech Holdings Ltd. (LX). Over 10 years, the gap is even starker: JFIN returned -56. 7% versus LX's -73. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Jiayin Group Inc.

(JFIN) is the lower-risk stock at 1. 19β versus LexinFintech Holdings Ltd. 's 1. 25β — meaning LX is approximately 5% 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 49% for LexinFintech Holdings Ltd. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), LexinFintech Holdings Ltd.

(LX) is pulling ahead at 8. 8% versus 6. 1% for Jiayin Group Inc. (JFIN). On earnings-per-share growth, the picture is similar: LexinFintech Holdings Ltd. grew EPS 2. 5% 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.

Jiayin Group Inc.

(JFIN) is the more profitable company, earning 18. 2% net margin versus 7. 7% for LexinFintech Holdings Ltd. — 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 16. 1% for LX. 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.

On forward earnings alone, LexinFintech Holdings Ltd.

(LX) trades at 0. 4x forward P/E versus 0. 5x for Jiayin Group Inc. — 0. 1x cheaper on a one-year earnings basis.

All stocks in this comparison pay dividends.

Jiayin Group Inc. (JFIN) offers the highest yield at 16. 9%, versus 6. 6% for LexinFintech Holdings Ltd. (LX).

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%, LX: -73. 2%), 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.

These companies operate in different sectors (JFIN (Communication 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.