Comprehensive Stock Comparison
Compare Lottery.com Inc. (SEGG) vs Jiayin Group Inc. (JFIN) 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 | JFIN | 6.1% revenue growth vs SEGG's -84.8% |
| Quality / Margins | JFIN | 26.2% net margin vs SEGG's -23.1% |
| Stability / Safety | SEGG | Beta 0.93 vs JFIN's 1.08 |
| Dividends | JFIN | 12.8% yield; 2-year raise streak; SEGG pays no meaningful dividend |
| Momentum (1Y) | JFIN | -25.5% vs SEGG's -92.8% |
| Efficiency (ROA) | JFIN | 21.6% ROA vs SEGG's -28.4%, ROIC 39.9% vs -38.5% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Lottery.com operates a digital platform that enables users to remotely purchase legally sanctioned lottery tickets online. It generates revenue primarily through commissions on ticket sales — typically taking a percentage of each transaction — and may also earn from advertising or other platform services. Its key advantage is being an early mover in the digital lottery space with established partnerships with state and international lottery operators.
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.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
JFIN leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). SEGG leads in 1 (Valuation Metrics). 1 tied.
Financial Metrics (TTM)
JFIN is the larger business by revenue, generating $6.5B annually — 7245.8x SEGG's $902,106. JFIN is the more profitable business, keeping 26.2% of every revenue dollar as net income compared to SEGG's -23.1%. On growth, JFIN holds the edge at +1.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | SEGGLottery.com Inc. | JFINJiayin Group Inc. |
|---|---|---|
| RevenueTrailing 12 months | $902,106 | $6.5B |
| EBITDAEarnings before interest/tax | -$9M | $2.1B |
| Net IncomeAfter-tax profit | -$21M | $1.7B |
| Free Cash FlowCash after capex | -$13M | $0 |
| Gross MarginGross profit ÷ Revenue | +29.3% | +80.9% |
| Operating MarginEBIT ÷ Revenue | -16.7% | +32.1% |
| Net MarginNet income ÷ Revenue | -23.1% | +26.2% |
| FCF MarginFCF ÷ Revenue | -14.3% | +11.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | -31.4% | +1.8% |
| EPS Growth (YoY)Latest quarter vs prior year | +91.9% | +44.9% |
Valuation Metrics
| Metric | SEGGLottery.com Inc. | JFINJiayin Group Inc. |
|---|---|---|
| Market CapShares × price | $4M | $700M |
| Enterprise ValueMkt cap + debt − cash | $10M | $629M |
| Trailing P/EPrice ÷ TTM EPS | -0.03x | 2.24x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 1.67x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.15x |
| EV / EBITDAEnterprise value multiple | — | 3.41x |
| Price / SalesMarket cap ÷ Revenue | 4.18x | 0.83x |
| Price / BookPrice ÷ Book value/share | 0.04x | 0.75x |
| Price / FCFMarket cap ÷ FCF | — | 6.99x |
Profitability & Efficiency
JFIN delivers a 39.7% return on equity — every $100 of shareholder capital generates $40 in annual profit, vs $-48 for SEGG. JFIN carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to SEGG's 0.27x. On the Piotroski fundamental quality scale (0–9), JFIN scores 6/9 vs SEGG's 2/9, reflecting solid financial health.
| Metric | SEGGLottery.com Inc. | JFINJiayin Group Inc. |
|---|---|---|
| ROE (TTM)Return on equity | -47.9% | +39.7% |
| ROA (TTM)Return on assets | -28.4% | +21.6% |
| ROICReturn on invested capital | -38.5% | +39.9% |
| ROCEReturn on capital employed | -61.4% | +32.2% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 6 |
| Debt / EquityFinancial leverage | 0.27x | 0.02x |
| Net DebtTotal debt minus cash | $6M | -$489M |
| Cash & Equiv.Liquid assets | $68,035 | $541M |
| Total DebtShort + long-term debt | $6M | $52M |
| Interest CoverageEBIT ÷ Interest expense | -86.34x | — |
Total Returns (with DRIP)
A $10,000 investment in JFIN five years ago would be worth $18,492 today (with dividends reinvested), compared to $195 for SEGG. Over the past 12 months, JFIN leads with a -25.5% total return vs SEGG's -92.8%. The 3-year compound annual growth rate (CAGR) favors JFIN at 42.3% vs SEGG's -73.1% — a key indicator of consistent wealth creation.
| Metric | SEGGLottery.com Inc. | JFINJiayin Group Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +46.9% | +7.6% |
| 1-Year ReturnPast 12 months | -92.8% | -25.5% |
| 3-Year ReturnCumulative with dividends | -98.0% | +188.0% |
| 5-Year ReturnCumulative with dividends | -98.0% | +84.9% |
| 10-Year ReturnCumulative with dividends | -98.0% | -47.2% |
| CAGR (3Y)Annualised 3-year return | -73.1% | +42.3% |
Risk & Volatility
SEGG is the less volatile stock with a 0.93 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. JFIN currently trades 33.7% from its 52-week high vs SEGG's 3.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SEGGLottery.com Inc. | JFINJiayin Group Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.93x | 1.08x |
| 52-Week HighHighest price in past year | $26.40 | $19.23 |
| 52-Week LowLowest price in past year | $0.46 | $5.73 |
| % of 52W HighCurrent price vs 52-week peak | +3.8% | +33.7% |
| RSI (14)Momentum oscillator 0–100 | 42.3 | 51.9 |
| Avg Volume (50D)Average daily shares traded | 14.2M | 74K |
Analyst Outlook
JFIN is the only dividend payer here at 12.76% yield — a key consideration for income-focused portfolios.
| Metric | SEGGLottery.com Inc. | JFINJiayin Group Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | 1 |
| Dividend YieldAnnual dividend ÷ price | — | +12.8% |
| Dividend StreakConsecutive years of raises | — | 2 |
| Dividend / ShareAnnual DPS | — | $5.67 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.1% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Jun 23 | Feb 26 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | 100 | 2.92 | -97.1% |
| Jiayin Group Inc. (JFIN) | 100 | 127.99 | +28.0% |
Jiayin Group Inc. (JFIN) returned +85% over 5 years vs Lottery.com Inc. (SEGG)'s -98%. 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 | 2024 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | $16M | $1M | -93.5% |
| Jiayin Group Inc. (JFIN) | $591M | $5.8B | +881.4% |
Jiayin Group Inc.'s revenue grew from $591M (2016) to $5.8B (2024) — a 33.0% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2024 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | -3.2% | -26.9% | -735.4% |
| Jiayin Group Inc. (JFIN) | -65.9% | 18.2% | +127.6% |
Jiayin Group Inc.'s net margin went from -66% (2016) to 18% (2024).
Chart 4P/E Ratio History — 6 Years
| Stock | 2019 | 2024 | Change |
|---|---|---|---|
| Jiayin Group Inc. (JFIN) | 0.5 | 0.3 | -40.0% |
Jiayin Group Inc. has traded in a 0x–1x P/E range over 6 years; current trailing P/E is ~2x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2024 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | -72 | -33.2 | +53.9% |
| Jiayin Group Inc. (JFIN) | -7.8 | 19.88 | +354.9% |
Jiayin Group Inc.'s EPS grew from $-7.80 (2016) to $19.88 (2024).
Chart 6Free Cash Flow — 5 Years
Lottery.com Inc. generated $-3M FCF in 2024 (+87% vs 2021). Jiayin Group Inc. generated $686M FCF in 2024 (+278% vs 2021).
SEGG vs JFIN: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is SEGG or JFIN 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 is the better long-term investment — SEGG or JFIN?
Over the past 5 years, Jiayin Group Inc. (JFIN) delivered a total return of +84.9%, compared to -98.0% for Lottery.com Inc. (SEGG). 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: JFIN returned -47.2% versus SEGG's -98.0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — SEGG or JFIN?
By beta (market sensitivity over 5 years), Lottery.com Inc. (SEGG) is the lower-risk stock at 0.93β versus Jiayin Group Inc.'s 1.08β — meaning JFIN is approximately 17% more volatile than SEGG relative to the S&P 500. On balance sheet safety, Jiayin Group Inc. (JFIN) carries a lower debt/equity ratio of 2% versus 27% for Lottery.com Inc. — giving it more financial flexibility in a downturn.
04Which has better profit margins — SEGG or JFIN?
Jiayin Group Inc. (JFIN) is the more profitable company, earning 18.2% net margin versus -26.9% for Lottery.com 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 -1704.1% for SEGG. At the gross margin level — before operating expenses — SEGG leads at 69.9%, 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.
05Which pays a better dividend — SEGG or JFIN?
In this comparison, JFIN (12.8% yield) pays a dividend. SEGG does not pay a meaningful dividend and should not be held primarily for income.
06Is SEGG or JFIN better for a retirement portfolio?
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 1.08), 12.8% yield). Both have compounded well over 10 years (JFIN: -47.2%, SEGG: -98.0%), 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.
07What are the main differences between SEGG and JFIN?
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: SEGG is a small-cap quality compounder stock; JFIN is a small-cap deep-value stock. JFIN pays a dividend while SEGG 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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- Sector: Communication Services
- Market Cap > $100B
- Net Margin > 15%
- Dividend Yield > 5.1%