Jiayin Group Inc. Sponsored ADR (JFIN) vs Old Market Capital Corporation (OMCC)

Jiayin Group Inc. Sponsored ADR and Old Market Capital Corporation are both Credit Services companies. Jiayin Group Inc. Sponsored ADR is the larger, with a market value of $37.9M against $24.4M — 1.6× the size. Old Market Capital Corporation 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 −52.8%. Jiayin Group Inc. Sponsored ADR has the higher net margin (6.13% vs −22.0%) and the higher return on invested capital (3.94% vs −6.65%). Across the 19 metrics below, Jiayin Group Inc. Sponsored ADR leads on 15 and Old Market Capital Corporation on 4.

Valuation

Metric JFIN OMCC Credit Services median
P/E 1.97 n/m 9.64
P/S 0.13 2.31 0.87
P/B 0.12 0.52 1.16
Price to free cash flow 0.32 n/m 2.99
EV/EBITDA 1.50 n/m 9.58
EV/Sales 0.09 1.04 2.32
Earnings yield 50.75% (10.71%) 6.72%
Free cash flow yield 317.10% (105.49%) 12.33%

Profitability

Metric JFIN OMCC Credit Services median
Gross margin 63.40% 87.16% 77.13%
Operating margin 6.28% (33.64%) 0.34%
Net margin 6.13% (22.01%) 9.25%
Free cash flow margin 0.00% (87.14%) 13.03%
Return on equity 0.00% (4.85%) 8.49%
Return on assets 3.23% (3.30%) 2.29%
Return on invested capital 3.94% (6.65%) 4.09%

Growth

Metric JFIN OMCC Credit Services median
Revenue growth (TTM) (32.97%) (52.84%) 4.62%
EPS growth (last fiscal year) 54.41% 73.08% —
Revenue growth, 5-year CAGR 34.89% (31.50%) 9.13%
Net income growth, 5-year CAGR 41.47% 0.00% 0.00%

Health

Metric JFIN OMCC Credit Services median
Debt to equity 0.15 0.06 0.68
Current ratio 1.79 4.55 1.55
Net debt to EBITDA 0.11 4.95 0.13

Dividend

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

Size

Metric JFIN OMCC Credit Services median
Market cap 37.86m 24.38m 872.19m

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