Comprehensive Stock Comparison
Compare Lottery.com Inc. (SEGG) vs Twilio Inc. (TWLO) vs Cheetah Mobile Inc. (CMCM) vs NextNav Inc. (NN) 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 | NN | 46.8% revenue growth vs SEGG's -84.8% |
| Value | JFIN | Better valuation composite |
| Quality / Margins | JFIN | 26.2% net margin vs NN's -27.7% |
| Stability / Safety | SEGG | Beta 0.93 vs TWLO's 1.56 |
| Dividends | JFIN | 12.8% yield; 2-year raise streak; SEGG, TWLO, CMCM, NN pay no meaningful dividend |
| Momentum (1Y) | NN | +53.4% vs SEGG's -92.8% |
| Efficiency (ROA) | JFIN | 21.6% ROA vs NN's -58.4%, ROIC 39.9% vs -61.5% |
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.
Twilio is a cloud communications platform that enables developers to embed voice, messaging, video, and email capabilities into their applications through APIs. It generates revenue primarily from usage-based fees for its communication services — messaging (~60% of revenue), voice (~20%), and email/other services — with developers paying per message, minute, or email sent. Its key advantage is its developer-first platform with comprehensive APIs that create switching costs and network effects as more applications build on its infrastructure.
Cheetah Mobile is a Chinese internet company that develops mobile utility apps — primarily security and cleaning tools — and casual mobile games. It generates revenue mainly through mobile advertising (roughly 70-80% of total) and to a lesser extent from in-app purchases in its games and premium subscription services. Its competitive advantage stems from its large installed base of utility apps — particularly Clean Master and Security Master — which provide a captive audience for its advertising network.
NextNav provides next-generation 3D geolocation and positioning services as an alternative to traditional GPS. It makes money by selling its Pinnacle 3D geolocation service — available in thousands of U.S. cities — and its TerraPoiNT terrestrial-based encrypted timing network directly to customers and through partners. The company's key advantage is its terrestrial-based encrypted network that provides more reliable indoor and urban positioning where GPS signals are weak or unavailable.
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 5 stocks. BestLagging
Financial Scorecard
JFIN leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). NN leads in 1 (Total Returns). 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 NN's -27.7%. On growth, CMCM holds the edge at +49.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | SEGGLottery.com Inc. | TWLOTwilio Inc. | CMCMCheetah Mobile In… | NNNextNav Inc. | JFINJiayin Group Inc. |
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $902,106 | $5.1B | $1.1B | $6M | $6.5B |
| EBITDAEarnings before interest/tax | -$9M | $380M | -$62M | -$64M | $2.1B |
| Net IncomeAfter-tax profit | -$21M | $34M | -$434M | -$154M | $1.7B |
| Free Cash FlowCash after capex | -$13M | $1.1B | $0 | -$47M | $0 |
| Gross MarginGross profit ÷ Revenue | +29.3% | +49.0% | +74.3% | -64.6% | +80.9% |
| Operating MarginEBIT ÷ Revenue | -16.7% | +3.2% | -22.3% | -12.4% | +32.1% |
| Net MarginNet income ÷ Revenue | -23.1% | +0.7% | -40.2% | -27.7% | +26.2% |
| FCF MarginFCF ÷ Revenue | -14.3% | +21.7% | -32.4% | -8.5% | +11.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | -31.4% | +14.3% | +49.6% | -44.8% | +1.8% |
| EPS Growth (YoY)Latest quarter vs prior year | +91.9% | -2.8% | +72.9% | -9.1% | +44.9% |
Valuation Metrics
At 2.2x trailing earnings, JFIN trades at a 100% valuation discount to TWLO's 576.0x P/E. On an enterprise value basis, JFIN's 3.4x EV/EBITDA is more attractive than TWLO's 47.9x.
| Metric | SEGGLottery.com Inc. | TWLOTwilio Inc. | CMCMCheetah Mobile In… | NNNextNav Inc. | JFINJiayin Group Inc. |
|---|---|---|---|---|---|
| Market CapShares × price | $4M | $18.3B | $6.3B | $2.1B | $700M |
| Enterprise ValueMkt cap + debt − cash | $10M | $18.8B | $6.0B | $2.1B | $629M |
| Trailing P/EPrice ÷ TTM EPS | -0.03x | 576.00x | -0.04x | -19.15x | 2.24x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 22.30x | — | — | 1.67x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — | 0.15x |
| EV / EBITDAEnterprise value multiple | — | 47.92x | — | — | 3.41x |
| Price / SalesMarket cap ÷ Revenue | 4.18x | 3.62x | 53.15x | 372.20x | 0.83x |
| Price / BookPrice ÷ Book value/share | 0.04x | 2.47x | 0.01x | 39.00x | 0.75x |
| Price / FCFMarket cap ÷ FCF | — | 17.75x | — | — | 6.99x |
Profitability & Efficiency
JFIN delivers a 39.7% return on equity — every $100 of shareholder capital generates $40 in annual profit, vs $-156 for NN. JFIN carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to NN's 1.43x. On the Piotroski fundamental quality scale (0–9), TWLO scores 6/9 vs SEGG's 2/9, reflecting solid financial health.
| Metric | SEGGLottery.com Inc. | TWLOTwilio Inc. | CMCMCheetah Mobile In… | NNNextNav Inc. | JFINJiayin Group Inc. |
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | -47.9% | +0.4% | -19.8% | -156.5% | +39.7% |
| ROA (TTM)Return on assets | -28.4% | +0.3% | -8.7% | -58.4% | +21.6% |
| ROICReturn on invested capital | -38.5% | +1.5% | -58.3% | -61.5% | +39.9% |
| ROCEReturn on capital employed | -61.4% | +1.9% | -16.4% | -39.8% | +32.2% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 6 | 4 | 3 | 6 |
| Debt / EquityFinancial leverage | 0.27x | 0.15x | 0.03x | 1.43x | 0.02x |
| Net DebtTotal debt minus cash | $6M | $453M | -$1.8B | $32M | -$489M |
| Cash & Equiv.Liquid assets | $68,035 | $682M | $1.8B | $39M | $541M |
| Total DebtShort + long-term debt | $6M | $1.1B | $75M | $71M | $52M |
| Interest CoverageEBIT ÷ Interest expense | -86.34x | — | — | -6.08x | — |
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, NN leads with a +53.4% total return vs SEGG's -92.8%. The 3-year compound annual growth rate (CAGR) favors NN at 80.0% vs SEGG's -73.1% — a key indicator of consistent wealth creation.
| Metric | SEGGLottery.com Inc. | TWLOTwilio Inc. | CMCMCheetah Mobile In… | NNNextNav Inc. | JFINJiayin Group Inc. |
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +46.9% | -12.6% | -1.8% | -0.8% | +7.6% |
| 1-Year ReturnPast 12 months | -92.8% | +0.9% | +16.3% | +53.4% | -25.5% |
| 3-Year ReturnCumulative with dividends | -98.0% | +80.0% | +141.2% | +483.0% | +188.0% |
| 5-Year ReturnCumulative with dividends | -98.0% | -70.9% | -57.9% | +57.0% | +84.9% |
| 10-Year ReturnCumulative with dividends | -98.0% | +320.1% | -78.6% | +65.0% | -47.2% |
| CAGR (3Y)Annualised 3-year return | -73.1% | +21.6% | +34.1% | +80.0% | +42.3% |
Risk & Volatility
SEGG is the less volatile stock with a 0.93 beta — it tends to amplify market swings less than TWLO's 1.56 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NN currently trades 88.2% 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. | TWLOTwilio Inc. | CMCMCheetah Mobile In… | NNNextNav Inc. | JFINJiayin Group Inc. |
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.93x | 1.56x | 1.16x | 1.23x | 1.08x |
| 52-Week HighHighest price in past year | $26.40 | $145.90 | $9.44 | $18.25 | $19.23 |
| 52-Week LowLowest price in past year | $0.46 | $77.51 | $3.28 | $9.05 | $5.73 |
| % of 52W HighCurrent price vs 52-week peak | +3.8% | +82.9% | +65.1% | +88.2% | +33.7% |
| RSI (14)Momentum oscillator 0–100 | 42.3 | 52.2 | 50.6 | 58.5 | 51.9 |
| Avg Volume (50D)Average daily shares traded | 14.2M | 2.2M | 13K | 1.0M | 74K |
Analyst Outlook
Analyst consensus: TWLO as "Buy", CMCM as "Buy", NN as "Buy", JFIN as "Buy". Consensus price targets imply 17.2% upside for TWLO (target: $142) vs -44.1% for NN (target: $9). JFIN is the only dividend payer here at 12.76% yield — a key consideration for income-focused portfolios.
| Metric | SEGGLottery.com Inc. | TWLOTwilio Inc. | CMCMCheetah Mobile In… | NNNextNav Inc. | JFINJiayin Group Inc. |
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | — | $141.75 | — | $9.00 | — |
| # AnalystsCovering analysts | — | 52 | 8 | 3 | 1 |
| Dividend YieldAnnual dividend ÷ price | — | — | — | — | +12.8% |
| Dividend StreakConsecutive years of raises | — | — | 3 | — | 2 |
| Dividend / ShareAnnual DPS | — | — | — | — | $5.67 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +4.7% | 0.0% | 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% |
| Twilio Inc. (TWLO) | 100 | 187.32 | +87.3% |
| Cheetah Mobile Inc. (CMCM) | 100 | 271.19 | +171.2% |
| NextNav Inc. (NN) | 100 | 494.98 | +395.0% |
| 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 | 2025 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | $16M | $1M | -93.5% |
| Twilio Inc. (TWLO) | $277M | $5.1B | +1727.1% |
| Cheetah Mobile Inc. (CMCM) | $657M | $807M | +22.7% |
| NextNav Inc. (NN) | $164000.00 | $6M | +3356.7% |
| Jiayin Group Inc. (JFIN) | $591M | $5.8B | +881.4% |
Twilio Inc.'s revenue grew from $277M (2016) to $5.1B (2025) — a 38.1% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | -3.2% | -26.9% | -735.4% |
| Twilio Inc. (TWLO) | -14.9% | 0.7% | +104.5% |
| Cheetah Mobile Inc. (CMCM) | -1.8% | -76.5% | -4238.6% |
| NextNav Inc. (NN) | -602.3% | -18.0% | +97.0% |
| Jiayin Group Inc. (JFIN) | -65.9% | 18.2% | +127.6% |
Twilio Inc.'s net margin went from -15% (2016) to 1% (2025).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Cheetah Mobile Inc. (CMCM) | 0.2 | 0 | -100.0% |
| Jiayin Group Inc. (JFIN) | 0.5 | 0.3 | -40.0% |
Cheetah Mobile Inc. has traded in a 0x–0x P/E range over 3 years; current trailing P/E is ~-0x. 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 | 2025 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | -72 | -33.2 | +53.9% |
| Twilio Inc. (TWLO) | -0.47 | 0.21 | +144.7% |
| Cheetah Mobile Inc. (CMCM) | -21 | -1,027 | -4790.5% |
| NextNav Inc. (NN) | -6.27 | -0.84 | +86.6% |
| Jiayin Group Inc. (JFIN) | -7.8 | 19.88 | +354.9% |
Twilio Inc.'s EPS grew from $-0.47 (2016) to $0.21 (2025).
Chart 6Free Cash Flow — 5 Years
Lottery.com Inc. generated $-3M FCF in 2024 (+87% vs 2021). Twilio Inc. generated $1B FCF in 2025 (+797% vs 2021).
SEGG vs TWLO vs CMCM vs NN vs JFIN: Key Questions Answered
9 questions · data-driven answers · updated daily
01Is SEGG or TWLO or CMCM or NN 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 Twilio Inc. (TWLO) a "Buy" — based on 52 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 — SEGG or TWLO or CMCM or NN or JFIN?
On trailing P/E, Jiayin Group Inc. (JFIN) is the cheapest at 2.2x versus Twilio Inc. at 576.0x. On forward P/E, Jiayin Group Inc. is actually cheaper at 1.7x.
03Which is the better long-term investment — SEGG or TWLO or CMCM or NN 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: TWLO returned +320.1% 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.
04Which is safer — SEGG or TWLO or CMCM or NN or JFIN?
By beta (market sensitivity over 5 years), Lottery.com Inc. (SEGG) is the lower-risk stock at 0.93β versus Twilio Inc.'s 1.56β — meaning TWLO is approximately 69% 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 143% for NextNav Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — SEGG or TWLO or CMCM or NN 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.
06Is SEGG or TWLO or CMCM or NN or JFIN more undervalued right now?
On forward earnings alone, Jiayin Group Inc. (JFIN) trades at 1.7x forward P/E versus 22.3x for Twilio Inc. — 20.6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for TWLO: 17.2% to $141.75.
07Which pays a better dividend — SEGG or TWLO or CMCM or NN or JFIN?
In this comparison, JFIN (12.8% yield) pays a dividend. SEGG, TWLO, CMCM, NN do not pay a meaningful dividend and should not be held primarily for income.
08Is SEGG or TWLO or CMCM or NN 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). Twilio Inc. (TWLO) carries a higher beta of 1.56 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (JFIN: -47.2%, TWLO: +320.1%), 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.
09What are the main differences between SEGG and TWLO and CMCM and NN 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; TWLO is a mid-cap quality compounder stock; CMCM is a small-cap quality compounder stock; NN is a small-cap quality compounder stock; JFIN is a small-cap deep-value stock. JFIN pays a dividend while SEGG, TWLO, CMCM, NN do 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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