JFIN vs QFIN

For growth investors, Jiayin Group Inc.

(JFIN) is the stronger pick with 6. 1% revenue growth year-over-year, versus 5. 4% for Qfin Holdings, Inc. (QFIN). 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 Qfin Holdings, Inc. at 2. 1x. On forward P/E, Qfin Holdings, Inc. is actually cheaper at 0. 5x — 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 Jiayin Group Inc. 's 0. 03x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Jiayin Group Inc.

(JFIN) delivered a total return of +21. 2%, compared to -19. 1% for Qfin Holdings, Inc. (QFIN). Over 10 years, the gap is even starker: QFIN returned +16. 1% 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.

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

(JFIN) is the lower-risk stock at 1. 19β versus Qfin Holdings, Inc. 's 1. 20β — meaning QFIN is approximately 1% 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 7% for Qfin Holdings, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Jiayin Group Inc.

(JFIN) is pulling ahead at 6. 1% versus 5. 4% for Qfin Holdings, Inc. (QFIN). 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.

Qfin Holdings, Inc.

(QFIN) is the more profitable company, earning 36. 5% net margin versus 18. 2% for Jiayin Group Inc. — 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 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.

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 Jiayin Group Inc. 's 0. 03x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Qfin Holdings, Inc. (QFIN) trades at 0. 5x forward P/E versus 0. 5x for Jiayin Group Inc. — 0. 0x 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 9. 3% for Qfin Holdings, Inc. (QFIN).

For long-horizon retirement investors, Qfin Holdings, Inc.

(QFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 20), 9. 3% yield). Both have compounded well over 10 years (QFIN: +16. 1%, 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.

These companies operate in different sectors (JFIN (Communication Services) and QFIN (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.