Jiayin Group (JFIN) Competitors

Jiayin Group (NASDAQ:JFIN) and Bread Financial (NYSE:BFH) are both banking companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, media sentiment, earnings, profitability, institutional ownership, dividends and risk.

Which has more risk and volatility, JFIN or BFH?

Jiayin Group has a beta of 1.02, suggesting that its share price is 2% more volatile than the S&P 500. Comparatively, Bread Financial has a beta of 1.42, suggesting that its share price is 42% more volatile than the S&P 500.

Which has higher earnings and valuation, JFIN or BFH?

Bread Financial has higher revenue and earnings than Jiayin Group. Jiayin Group is trading at a lower price-to-earnings ratio than Bread Financial, 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	0.97	$144.74M	$4.20	3.43
Bread Financial	$4.80B	0.61	$277M	$5.91	10.58

Is JFIN or BFH more profitable?

Jiayin Group has a net margin of 24.60% compared to Bread Financial's net margin of 6.05%. Jiayin Group's return on equity of 47.37% beat Bread Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Jiayin Group	24.60%	47.37%	26.34%
Bread Financial	6.05%	13.10%	1.83%

Do insiders and institutionals believe in JFIN or BFH?

44.1% of Jiayin Group shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 51.2% of Jiayin Group shares are owned by company insiders. Comparatively, 0.6% of Bread Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Is JFIN or BFH a better dividend stock?

Jiayin Group pays an annual dividend of $1.28 per share and has a dividend yield of 8.9%. Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.3%. Jiayin Group pays out 30.5% of its earnings in the form of a dividend. Bread Financial pays out 14.2% 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.

Do analysts prefer JFIN or BFH?

Bread Financial has a consensus price target of $64.91, suggesting a potential upside of 3.83%. Given Bread Financial's stronger consensus rating and higher possible upside, analysts plainly believe Bread Financial is more favorable than Jiayin Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Bread Financial	3 Sell rating(s)	5 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.08

Does the media refer more to JFIN or BFH?

In the previous week, Bread Financial had 11 more articles in the media than Jiayin Group. MarketBeat recorded 18 mentions for Bread Financial and 7 mentions for Jiayin Group. Bread Financial's average media sentiment score of 1.35 beat Jiayin Group's score of 1.02 indicating that Bread Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Jiayin Group	4 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Bread Financial	15 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

Bread Financial beats Jiayin Group on 12 of the 18 factors compared between the two stocks.