Jiayin Group (JFIN) Competitors

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

Do insiders & institutionals hold more shares of BFH or JFIN?

99.5% of Bread Financial shares are held by institutional investors. Comparatively, 44.1% of Jiayin Group shares are held by institutional investors. 0.9% of Bread Financial shares are held by company insiders. Comparatively, 51.2% of Jiayin Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Does the media favor BFH or JFIN?

In the previous week, Bread Financial had 23 more articles in the media than Jiayin Group. MarketBeat recorded 27 mentions for Bread Financial and 4 mentions for Jiayin Group. Jiayin Group's average media sentiment score of 0.88 beat Bread Financial's score of 0.83 indicating that Jiayin Group is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bread Financial	11 Very Positive mention(s)	1 Positive mention(s)	8 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
Jiayin Group	0 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has stronger valuation & earnings, BFH or JFIN?

Bread Financial has higher earnings, but lower revenue 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
Bread Financial	$3.82B	0.60	$277M	$5.63	8.47
Jiayin Group	$5.80B	0.10	$182.75M	$2.76	4.02

Is BFH or JFIN more profitable?

Jiayin Group has a net margin of 19.17% compared to Bread Financial's net margin of 5.75%. Jiayin Group's return on equity of 43.90% beat Bread Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bread Financial	5.75%	12.41%	1.72%
Jiayin Group	19.17%	43.90%	21.31%

Do analysts rate BFH or JFIN?

Bread Financial presently has a consensus target price of $60.00, suggesting a potential upside of 25.86%. Given Bread Financial's stronger consensus rating and higher possible upside, analysts clearly believe Bread Financial is more favorable than Jiayin Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bread Financial	3 Sell rating(s)	7 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.00
Jiayin Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has more risk and volatility, BFH or JFIN?

Bread Financial has a beta of 1.58, meaning that its stock price is 58% more volatile than the S&P 500. Comparatively, Jiayin Group has a beta of 0.62, meaning that its stock price is 38% less volatile than the S&P 500.

Does the MarketBeat Community prefer BFH or JFIN?

Jiayin Group received 20 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 52.86% of users gave Jiayin Group an outperform vote while only 20.73% of users gave Bread Financial an outperform vote.

Company	Underperform	Outperform
Bread Financial	Outperform Votes 17 20.73%	Underperform Votes 65 79.27%
Jiayin Group	Outperform Votes 37 52.86%	Underperform Votes 33 47.14%

Is BFH or JFIN a better dividend stock?

Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.8%. Jiayin Group pays an annual dividend of $0.49 per share and has a dividend yield of 4.4%. Bread Financial pays out 14.9% of its earnings in the form of a dividend. Jiayin Group pays out 17.8% 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.

Summary

Bread Financial beats Jiayin Group on 11 of the 20 factors compared between the two stocks.