Old Point Financial (OPOF) Competitors

Jiayin Group (NASDAQ:JFIN) and Old Point Financial (NASDAQ:OPOF) are both small-cap computer and technology companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, risk, institutional ownership, community ranking, earnings, dividends, analyst recommendations, valuation and media sentiment.

Is JFIN or OPOF a better dividend stock?

Jiayin Group pays an annual dividend of $0.49 per share and has a dividend yield of 2.6%. Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 1.4%. Jiayin Group pays out 14.2% of its earnings in the form of a dividend. Old Point Financial pays out 28.6% 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. Jiayin Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the MarketBeat Community prefer JFIN or OPOF?

Old Point Financial received 133 more outperform votes than Jiayin Group when rated by MarketBeat users. However, 53.52% of users gave Jiayin Group an outperform vote while only 49.42% of users gave Old Point Financial an outperform vote.

Company	Underperform	Outperform
Jiayin Group	Outperform Votes 38 53.52%	Underperform Votes 33 46.48%
Old Point Financial	Outperform Votes 171 49.42%	Underperform Votes 175 50.58%

Is JFIN or OPOF more profitable?

Jiayin Group has a net margin of 19.17% compared to Old Point Financial's net margin of 11.08%. Jiayin Group's return on equity of 43.90% beat Old Point Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Jiayin Group	19.17%	43.90%	21.31%
Old Point Financial	11.08%	8.56%	0.66%

Does the media favor JFIN or OPOF?

In the previous week, Jiayin Group had 5 more articles in the media than Old Point Financial. MarketBeat recorded 7 mentions for Jiayin Group and 2 mentions for Old Point Financial. Old Point Financial's average media sentiment score of 1.27 beat Jiayin Group's score of 0.69 indicating that Old Point Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Jiayin Group	1 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Old Point Financial	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has preferable earnings and valuation, JFIN or OPOF?

Jiayin Group has higher revenue and earnings than Old Point Financial. Jiayin Group is trading at a lower price-to-earnings ratio than Old Point 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	$6.10B	0.17	$182.75M	$3.44	5.50
Old Point Financial	$62.72M	3.21	$9.51M	$1.96	20.11

Do institutionals and insiders believe in JFIN or OPOF?

44.1% of Jiayin Group shares are held by institutional investors. Comparatively, 33.4% of Old Point Financial shares are held by institutional investors. 51.2% of Jiayin Group shares are held by company insiders. Comparatively, 21.1% of Old Point Financial 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.

Which has more risk and volatility, JFIN or OPOF?

Jiayin Group has a beta of 1.02, suggesting that its stock price is 2% more volatile than the S&P 500. Comparatively, Old Point Financial has a beta of -0.3, suggesting that its stock price is 130% less volatile than the S&P 500.

Summary

Jiayin Group beats Old Point Financial on 13 of the 17 factors compared between the two stocks.