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Jiayin Group Inc. Sponsored ADR (JFIN) vs LexinFintech Holdings Ltd. Sponsored ADR (LX)

Jiayin Group Inc. Sponsored ADR and LexinFintech Holdings Ltd. Sponsored ADR are both Credit Services companies. LexinFintech Holdings Ltd. Sponsored ADR is the larger, with a market value of $90.7M against $30.9M — 2.9× the size. LexinFintech Holdings Ltd. Sponsored ADR trades at the lower P/E: 0.7× against 1.7×. LexinFintech Holdings Ltd. Sponsored ADR grew revenue faster over the last twelve months: −1.19% against −33.0%. LexinFintech Holdings Ltd. Sponsored ADR has the higher net margin (8.06% vs 6.13%) and the lower return on invested capital (3.06% vs 3.94%). Only LexinFintech Holdings Ltd. Sponsored ADR pays a dividend (29.4%). Across the 20 metrics below, LexinFintech Holdings Ltd. Sponsored ADR leads on 12 and Jiayin Group Inc. Sponsored ADR on 8.

Valuation

Metric JFIN LX Credit Services median
P/E 1.67 0.73 9.39
P/S 0.11 0.06 0.86
P/B 0.11 0.06 1.16
Price to free cash flow 0.27 0.14 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 59.88% 137.50% 6.55%
Free cash flow yield 374.08% 740.14% 12.26%

Profitability

Metric JFIN LX Credit Services median
Gross margin 63.40% 25.63% 77.13%
Operating margin 6.28% 5.03% 0.34%
Net margin 6.13% 8.06% 9.25%
Free cash flow margin 0.00% 0.00% 12.91%
Return on equity 0.00% 9.05% 8.49%
Return on assets 3.23% 4.76% 2.16%
Return on invested capital 3.94% 3.06% 4.09%

Growth

Metric JFIN LX Credit Services median
Revenue growth (TTM) (32.97%) (1.19%) 4.62%
EPS growth (last fiscal year) 54.41% 51.69% 21.94%
Revenue growth, 5-year CAGR 34.89% 1.05% 9.13%
Net income growth, 5-year CAGR 41.47% 21.34% 0.00%

Health

Metric JFIN LX Credit Services median
Debt to equity 0.15 0.31 0.68
Current ratio 1.79 2.09 1.55
Net debt to EBITDA 0.11 0.48 0.13

Dividend

Metric JFIN LX Credit Services median
Dividend yield 0.00% 29.38% 1.64%
Payout ratio 0.00 0.22 0.22

Size

Metric JFIN LX Credit Services median
Market cap 30.90m 90.69m 751.08m

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