Jiayin Group Inc. Sponsored ADR (JFIN) vs Sui Group Holdings Limited (SUIG)

Jiayin Group Inc. Sponsored ADR and Sui Group Holdings Limited are both Credit Services companies. Sui Group Holdings Limited is the larger, with a market value of $71.0M against $38.0M — 1.9× the size. Sui Group Holdings Limited has negative trailing earnings, so its P/E is not meaningful; Jiayin Group Inc. Sponsored ADR trades at 1.9×. Sui Group Holdings Limited grew revenue faster over the last twelve months: −5.33% against −33.0%. Jiayin Group Inc. Sponsored ADR has the higher net margin (6.13% vs −11,373.6%) and the higher return on invested capital (3.94% vs −270.6%). Across the 18 metrics below, Jiayin Group Inc. Sponsored ADR leads on 14 and Sui Group Holdings Limited on 4.

Valuation

Metric JFIN SUIG Credit Services median
P/E 1.92 n/m 8.96
P/S 0.13 23.78 1.00
P/B 0.12 0.89 1.23
Price to free cash flow 0.31 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 52.14% (856.29%) 7.17%
Free cash flow yield 325.73% (286.96%) 11.75%

Profitability

Metric JFIN SUIG Credit Services median
Gross margin 63.40% 100.00% 76.61%
Operating margin 6.28% (11,034.20%) 0.34%
Net margin 6.13% (11,373.56%) 8.35%
Free cash flow margin 0.00% (6,824.26%) 8.73%
Return on equity 0.00% (683.94%) 9.05%
Return on assets 3.23% (601.31%) 1.94%
Return on invested capital 3.94% (270.62%) 4.56%

Growth

Metric JFIN SUIG Credit Services median
Revenue growth (TTM) (32.97%) (5.33%) 4.49%
EPS growth (last fiscal year) 54.41% (3,761.11%) 21.94%
Revenue growth, 5-year CAGR 34.89% 24.61% 9.22%
Net income growth, 5-year CAGR 41.47% 0.00% 0.00%

Health

Metric JFIN SUIG Credit Services median
Debt to equity 0.15 0.00 0.69
Current ratio 1.79 0.62 1.26
Net debt to EBITDA 0.11 0.10 0.11

Dividend

Metric JFIN SUIG Credit Services median
Dividend yield 0.00% — 1.64%
Payout ratio 0.00 — 0.21

Size

Metric JFIN SUIG Credit Services median
Market cap 37.99m 70.99m 759.73m

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