First Capital (FCAP) Competitors

Jiayin Group (NASDAQ:JFIN) and First Capital (NASDAQ:FCAP) are both small-cap banking companies, but which is the better business? We will compare the two companies based on the strength of their profitability, institutional ownership, valuation, risk, analyst recommendations, media sentiment, earnings and dividends.

Does the media prefer JFIN or FCAP?

In the previous week, First Capital had 4 more articles in the media than Jiayin Group. MarketBeat recorded 4 mentions for First Capital and 0 mentions for Jiayin Group. Jiayin Group's average media sentiment score of 0.59 beat First Capital's score of 0.19 indicating that Jiayin Group is being referred to more favorably in the media.

Company	Overall Sentiment
Jiayin Group	Positive
First Capital	Neutral

Do insiders & institutionals have more ownership in JFIN or FCAP?

44.1% of Jiayin Group shares are held by institutional investors. Comparatively, 11.6% of First Capital shares are held by institutional investors. 51.2% of Jiayin Group shares are held by company insiders. Comparatively, 4.0% of First Capital shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Is JFIN or FCAP more profitable?

Jiayin Group has a net margin of 24.60% compared to First Capital's net margin of 21.45%. Jiayin Group's return on equity of 47.37% beat First Capital's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Jiayin Group	24.60%	47.37%	26.34%
First Capital	21.45%	11.23%	1.10%

Do analysts prefer JFIN or FCAP?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
First Capital	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is JFIN or FCAP a better dividend stock?

Jiayin Group pays an annual dividend of $0.79 per share and has a dividend yield of 8.2%. First Capital pays an annual dividend of $1.24 per share and has a dividend yield of 3.1%. Jiayin Group pays out 18.8% of its earnings in the form of a dividend. First Capital pays out 31.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Capital has raised its dividend for 2 consecutive years. Jiayin Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has more risk and volatility, JFIN or FCAP?

Jiayin Group has a beta of 0.87, suggesting that its stock price is 13% less volatile than the S&P 500. Comparatively, First Capital has a beta of 0.65, suggesting that its stock price is 35% less volatile than the S&P 500.

Which has stronger valuation & earnings, JFIN or FCAP?

Jiayin Group has higher revenue and earnings than First Capital. Jiayin Group is trading at a lower price-to-earnings ratio than First Capital, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$794.74M	0.65	$144.74M	$4.20	2.30
First Capital	$46.13M	2.91	$11.94M	$3.94	10.15

Summary

Jiayin Group beats First Capital on 12 of the 16 factors compared between the two stocks.