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Jiayin Group Inc. Sponsored ADR (JFIN) vs X Financial Sponsored ADR (XYF)

Jiayin Group Inc. Sponsored ADR and X Financial Sponsored ADR are both Credit Services companies. X Financial Sponsored ADR is the larger, with a market value of $107.3M against $38.0M — 2.8× the size. Jiayin Group Inc. Sponsored ADR trades at the lower P/E: 1.9× against 2.2×. X Financial Sponsored ADR grew revenue faster over the last twelve months: −20.1% against −33.0%. X Financial Sponsored ADR has the higher net margin (10.3% vs 6.13%) and the higher return on invested capital (7.47% vs 3.94%). Only X Financial Sponsored ADR pays a dividend (12.0%). Across the 20 metrics below, X Financial Sponsored ADR leads on 13 and Jiayin Group Inc. Sponsored ADR on 7.

Valuation

Metric JFIN XYF Credit Services median
P/E 1.92 2.17 8.96
P/S 0.13 0.21 1.00
P/B 0.12 0.15 1.23
Price to free cash flow 0.31 0.31 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 52.14% 46.16% 7.17%
Free cash flow yield 325.73% 326.75% 11.75%

Profitability

Metric JFIN XYF Credit Services median
Gross margin 63.40% 65.54% 76.61%
Operating margin 6.28% 13.22% 0.34%
Net margin 6.13% 10.30% 8.35%
Free cash flow margin 0.00% 0.00% 8.73%
Return on equity 0.00% 7.66% 9.05%
Return on assets 3.23% 4.60% 1.94%
Return on invested capital 3.94% 7.47% 4.56%

Growth

Metric JFIN XYF Credit Services median
Revenue growth (TTM) (32.97%) (20.10%) 4.49%
EPS growth (last fiscal year) 54.41% 16.67% 21.94%
Revenue growth, 5-year CAGR 34.89% 26.59% 9.22%
Net income growth, 5-year CAGR 41.47% 0.00% 0.00%

Health

Metric JFIN XYF Credit Services median
Debt to equity 0.15 0.05 0.69
Current ratio 1.79 2.06 1.26
Net debt to EBITDA 0.11 (1.05) 0.11

Dividend

Metric JFIN XYF Credit Services median
Dividend yield 0.00% 11.99% 1.64%
Payout ratio 0.00 0.27 0.21

Size

Metric JFIN XYF Credit Services median
Market cap 37.99m 107.25m 759.73m

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