Jiayin Group (JFIN) Competitors

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

Do analysts prefer JFIN or BFH?

Bread Financial has a consensus price target of $60.27, suggesting a potential upside of 17.40%. Given Bread Financial's stronger consensus rating and higher probable 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)	7 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the media favor JFIN or BFH?

In the previous week, Bread Financial had 17 more articles in the media than Jiayin Group. MarketBeat recorded 18 mentions for Bread Financial and 1 mentions for Jiayin Group. Bread Financial's average media sentiment score of 1.03 beat Jiayin Group's score of 0.91 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	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Bread Financial	11 Very Positive mention(s)	2 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Positive

Do insiders & 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, 0.9% of Bread Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Does the MarketBeat Community favor JFIN or BFH?

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 20.48% of users gave Bread Financial an outperform vote.

Company	Underperform	Outperform
Jiayin Group	Outperform Votes 37 52.86%	Underperform Votes 33 47.14%
Bread Financial	Outperform Votes 17 20.48%	Underperform Votes 66 79.52%

Which has more risk & volatility, JFIN or BFH?

Jiayin Group has a beta of 0.87, meaning that its share price is 13% less volatile than the S&P 500. Comparatively, Bread Financial has a beta of 1.33, meaning that its share price is 33% more volatile than the S&P 500.

Which has stronger earnings & valuation, JFIN or BFH?

Bread Financial has lower revenue, but higher 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	$5.80B	0.12	$182.75M	$2.76	4.57
Bread Financial	$3.82B	0.63	$277M	$5.63	9.12

Is JFIN or BFH 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
Jiayin Group	19.17%	43.90%	21.31%
Bread Financial	5.75%	12.41%	1.72%

Is JFIN or BFH a better dividend stock?

Jiayin Group pays an annual dividend of $0.49 per share and has a dividend yield of 3.9%. Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.6%. Jiayin Group pays out 17.8% of its earnings in the form of a dividend. Bread Financial pays out 14.9% 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 12 of the 20 factors compared between the two stocks.