Comprehensive Stock Comparison
Compare Jiayin Group Inc. (JFIN) vs Netflix, Inc. (NFLX) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | NFLX | 15.9% revenue growth vs JFIN's 6.1% |
| Value | JFIN | Lower P/E (1.7x vs 30.8x), PEG 0.11 vs 0.93 |
| Quality / Margins | JFIN | 26.2% net margin vs NFLX's 24.3% |
| Stability / Safety | NFLX | Beta 0.76 vs JFIN's 1.08 |
| Dividends | JFIN | 12.8% yield; 2-year raise streak; NFLX pays no meaningful dividend |
| Momentum (1Y) | NFLX | -1.9% vs JFIN's -25.5% |
| Efficiency (ROA) | JFIN | 21.6% ROA vs NFLX's 19.8%, ROIC 39.9% vs 29.8% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Jiayin Group operates a Chinese fintech platform connecting individual borrowers with institutional funding partners for online consumer loans. It generates revenue primarily from loan facilitation fees — taking a percentage of each transaction — along with referral fees for investment products and various technical support services. The company's competitive advantage lies in its proprietary risk assessment technology and established network of financial institution partnerships in China's regulated lending market.
Netflix is a global streaming entertainment service that offers original and licensed TV shows, movies, and documentaries. It generates revenue primarily through subscription fees — with three pricing tiers — and earns additional income from licensing its original content to other platforms. Its key advantage is its massive scale and data-driven content creation, which allows it to invest billions in programming that attracts and retains subscribers worldwide.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
JFIN leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). NFLX leads in 2 (Total Returns, Risk & Volatility).
Financial Metrics (TTM)
NFLX is the larger business by revenue, generating $45.2B annually — 6.9x JFIN's $6.5B. Profitability is closely matched — net margins range from 26.2% (JFIN) to 24.3% (NFLX). On growth, NFLX holds the edge at +17.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | JFINJiayin Group Inc. | NFLXNetflix, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $6.5B | $45.2B |
| EBITDAEarnings before interest/tax | $2.1B | $30.1B |
| Net IncomeAfter-tax profit | $1.7B | $11.0B |
| Free Cash FlowCash after capex | $0 | $9.5B |
| Gross MarginGross profit ÷ Revenue | +80.9% | +48.5% |
| Operating MarginEBIT ÷ Revenue | +32.1% | +29.5% |
| Net MarginNet income ÷ Revenue | +26.2% | +24.3% |
| FCF MarginFCF ÷ Revenue | +11.8% | +20.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +1.8% | +17.6% |
| EPS Growth (YoY)Latest quarter vs prior year | +44.9% | +31.1% |
Valuation Metrics
At 2.2x trailing earnings, JFIN trades at a 94% valuation discount to NFLX's 38.0x P/E. Adjusting for growth (PEG ratio), JFIN offers better value at 0.15x vs NFLX's 1.15x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | JFINJiayin Group Inc. | NFLXNetflix, Inc. |
|---|---|---|
| Market CapShares × price | $700M | $407.8B |
| Enterprise ValueMkt cap + debt − cash | $629M | $413.2B |
| Trailing P/EPrice ÷ TTM EPS | 2.24x | 38.04x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.67x | 30.75x |
| PEG RatioP/E ÷ EPS growth rate | 0.15x | 1.15x |
| EV / EBITDAEnterprise value multiple | 3.41x | 13.74x |
| Price / SalesMarket cap ÷ Revenue | 0.83x | 9.03x |
| Price / BookPrice ÷ Book value/share | 0.75x | 15.61x |
| Price / FCFMarket cap ÷ FCF | 6.99x | 43.10x |
Profitability & Efficiency
NFLX delivers a 41.3% return on equity — every $100 of shareholder capital generates $41 in annual profit, vs $40 for JFIN. JFIN carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to NFLX's 0.54x. On the Piotroski fundamental quality scale (0–9), NFLX scores 7/9 vs JFIN's 6/9, reflecting strong financial health.
| Metric | JFINJiayin Group Inc. | NFLXNetflix, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +39.7% | +41.3% |
| ROA (TTM)Return on assets | +21.6% | +19.8% |
| ROICReturn on invested capital | +39.9% | +29.8% |
| ROCEReturn on capital employed | +32.2% | +30.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.02x | 0.54x |
| Net DebtTotal debt minus cash | -$489M | $5.4B |
| Cash & Equiv.Liquid assets | $541M | $9.0B |
| Total DebtShort + long-term debt | $52M | $14.5B |
| Interest CoverageEBIT ÷ Interest expense | — | 17.33x |
Total Returns (with DRIP)
A $10,000 investment in JFIN five years ago would be worth $18,492 today (with dividends reinvested), compared to $17,479 for NFLX. Over the past 12 months, NFLX leads with a -1.9% total return vs JFIN's -25.5%. The 3-year compound annual growth rate (CAGR) favors NFLX at 44.0% vs JFIN's 42.3% — a key indicator of consistent wealth creation.
| Metric | JFINJiayin Group Inc. | NFLXNetflix, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +7.6% | +5.8% |
| 1-Year ReturnPast 12 months | -25.5% | -1.9% |
| 3-Year ReturnCumulative with dividends | +188.0% | +198.8% |
| 5-Year ReturnCumulative with dividends | +84.9% | +74.8% |
| 10-Year ReturnCumulative with dividends | -47.2% | +930.4% |
| CAGR (3Y)Annualised 3-year return | +42.3% | +44.0% |
Risk & Volatility
NFLX is the less volatile stock with a 0.76 beta — it tends to amplify market swings less than JFIN's 1.08 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NFLX currently trades 71.8% from its 52-week high vs JFIN's 33.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | JFINJiayin Group Inc. | NFLXNetflix, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.08x | 0.76x |
| 52-Week HighHighest price in past year | $19.23 | $134.12 |
| 52-Week LowLowest price in past year | $5.73 | $75.01 |
| % of 52W HighCurrent price vs 52-week peak | +33.7% | +71.8% |
| RSI (14)Momentum oscillator 0–100 | 51.9 | 55.8 |
| Avg Volume (50D)Average daily shares traded | 74K | 38.8M |
Analyst Outlook
Wall Street rates JFIN as "Buy" and NFLX as "Buy". JFIN is the only dividend payer here at 12.76% yield — a key consideration for income-focused portfolios.
| Metric | JFINJiayin Group Inc. | NFLXNetflix, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $117.25 |
| # AnalystsCovering analysts | 1 | 97 |
| Dividend YieldAnnual dividend ÷ price | +12.8% | — |
| Dividend StreakConsecutive years of raises | 2 | — |
| Dividend / ShareAnnual DPS | $5.67 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | +2.2% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | 100 | 230.21 | +130.2% |
| Netflix, Inc. (NFLX) | 100 | 217.16 | +117.2% |
Jiayin Group Inc. (JFIN) returned +85% over 5 years vs Netflix, Inc. (NFLX)'s +75%. A $10,000 investment in JFIN 5 years ago would be worth $18,492 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | $591M | $5.8B | +881.4% |
| Netflix, Inc. (NFLX) | $8.8B | $45.2B | +411.7% |
Netflix, Inc.'s revenue grew from $8.8B (2016) to $45.2B (2025) — a 19.9% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | -65.9% | 18.2% | +127.6% |
| Netflix, Inc. (NFLX) | 2.1% | 24.3% | +1049.7% |
Netflix, Inc.'s net margin went from 2% (2016) to 24% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | 0.5 | 0.3 | -40.0% |
| Netflix, Inc. (NFLX) | 153.6 | 37.1 | -75.8% |
Jiayin Group Inc. has traded in a 0x–1x P/E range over 6 years; current trailing P/E is ~2x. Netflix, Inc. has traded in a 30x–154x P/E range over 9 years; current trailing P/E is ~38x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | -7.8 | 19.88 | +354.9% |
| Netflix, Inc. (NFLX) | 0.04 | 2.53 | +5783.7% |
Netflix, Inc.'s EPS grew from $0.04 (2016) to $2.53 (2025) — a 57% CAGR.
Chart 6Free Cash Flow — 5 Years
Jiayin Group Inc. generated $686M FCF in 2024 (+278% vs 2021). Netflix, Inc. generated $9B FCF in 2025 (+7269% vs 2021).
JFIN vs NFLX: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is JFIN or NFLX a better buy right now?
Jiayin Group Inc. (JFIN) offers the better valuation at 2.2x trailing P/E (1.7x 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 NFLX?
On trailing P/E, Jiayin Group Inc. (JFIN) is the cheapest at 2.2x versus Netflix, Inc. at 38.0x. On forward P/E, Jiayin Group Inc. is actually cheaper at 1.7x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Jiayin Group Inc. wins at 0.11x versus Netflix, Inc.'s 0.93x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — JFIN or NFLX?
Over the past 5 years, Jiayin Group Inc. (JFIN) delivered a total return of +84.9%, compared to +74.8% for Netflix, Inc. (NFLX). A $10,000 investment in JFIN five years ago would be worth approximately $18K today (assuming dividends reinvested). Over 10 years, the gap is even starker: NFLX returned +930.4% versus JFIN's -47.2%. 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 NFLX?
By beta (market sensitivity over 5 years), Netflix, Inc. (NFLX) is the lower-risk stock at 0.76β versus Jiayin Group Inc.'s 1.08β — meaning JFIN is approximately 42% more volatile than NFLX relative to the S&P 500. On balance sheet safety, Jiayin Group Inc. (JFIN) carries a lower debt/equity ratio of 2% versus 54% for Netflix, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — JFIN or NFLX?
Netflix, Inc. (NFLX) is the more profitable company, earning 24.3% net margin versus 18.2% for Jiayin Group Inc. — meaning it keeps 24.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NFLX leads at 29.5% versus 21.5% for JFIN. 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.
06Is JFIN or NFLX 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 0.11x versus Netflix, Inc.'s 0.93x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Jiayin Group Inc. (JFIN) trades at 1.7x forward P/E versus 30.8x for Netflix, Inc. — 29.1x cheaper on a one-year earnings basis.
07Which pays a better dividend — JFIN or NFLX?
In this comparison, JFIN (12.8% yield) pays a dividend. NFLX does not pay a meaningful dividend and should not be held primarily for income.
08Is JFIN or NFLX better for a retirement portfolio?
For long-horizon retirement investors, Netflix, Inc. (NFLX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.76), +930.4% 10Y return). Both have compounded well over 10 years (NFLX: +930.4%, JFIN: -47.2%), 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.
09What are the main differences between JFIN and NFLX?
Both stocks operate in the Communication Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: JFIN is a small-cap deep-value stock; NFLX is a large-cap quality compounder stock. JFIN pays a dividend while NFLX 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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- Net Margin > 15%
- Dividend Yield > 5.1%