J and Friends Holdings Limited - Sponsored ADR (JF) vs Jiayin Group Inc. Sponsored ADR (JFIN)

J and Friends Holdings Limited - Sponsored ADR and Jiayin Group Inc. Sponsored ADR are both Credit Services companies. Jiayin Group Inc. Sponsored ADR is the larger, with a market value of $37.9M against $16.2M — 2.3× the size. J and Friends Holdings Limited - Sponsored ADR has negative trailing earnings, so its P/E is not meaningful; Jiayin Group Inc. Sponsored ADR trades at 2.0×. Jiayin Group Inc. Sponsored ADR grew revenue faster over the last twelve months: −33.0% against −79.5%. Jiayin Group Inc. Sponsored ADR has the higher net margin (6.13% vs −132.5%) and the higher return on invested capital (3.94% vs 0.00%). Across the 16 metrics below, Jiayin Group Inc. Sponsored ADR leads on 14 and J and Friends Holdings Limited - Sponsored ADR on 2.

Valuation

Metric JF JFIN Credit Services median
P/E n/m 1.97 9.64
P/S 0.23 0.13 0.87
P/B n/m 0.12 1.16
Price to free cash flow n/m 0.32 2.99
EV/EBITDA n/m 1.50 9.58
EV/Sales 1.26 0.09 2.32
Earnings yield (12.63%) 50.75% 6.72%
Free cash flow yield 0.00% 317.10% 12.33%

Profitability

Metric JF JFIN Credit Services median
Gross margin 0.00% 63.40% 77.13%
Operating margin 0.00% 6.28% 0.34%
Net margin (132.54%) 6.13% 9.25%
Free cash flow margin 0.00% 0.00% 13.03%
Return on equity 0.00% 0.00% 8.49%
Return on assets 0.00% 3.23% 2.29%
Return on invested capital 0.00% 3.94% 4.09%

Growth

Metric JF JFIN Credit Services median
Revenue growth (TTM) (79.50%) (32.97%) 4.62%
EPS growth (last fiscal year) 38.46% 54.41% —
Revenue growth, 5-year CAGR (43.27%) 34.89% 9.13%
Net income growth, 5-year CAGR 0.00% 41.47% 0.00%

Health

Metric JF JFIN Credit Services median
Debt to equity (0.01) 0.15 0.68
Current ratio 0.18 1.79 1.55
Net debt to EBITDA (0.76) 0.11 0.13

Dividend

Metric JF JFIN Credit Services median
Dividend yield — 15.84% 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric JF JFIN Credit Services median
Market cap 16.21m 37.86m 872.19m

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