Contrasting Jiayin Group (NASDAQ:JFIN) and HARGREAVES LANS/ADR (NASDAQ:HRGLY)

HARGREAVES LANS/ADR (OTCMKTS:HRGLY) and Jiayin Group (NASDAQ:JFIN) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their analyst recommendations, risk, earnings, profitability, institutional ownership, valuation and dividends.

Insider and Institutional Ownership

0.1% of Jiayin Group shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares HARGREAVES LANS/ADR and Jiayin Group’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
HARGREAVES LANS/ADR $540.00 million 21.30 $320.16 million $1.17 41.45
Jiayin Group $419.16 million 0.89 $88.98 million $0.44 15.80

HARGREAVES LANS/ADR has higher revenue and earnings than Jiayin Group. Jiayin Group is trading at a lower price-to-earnings ratio than HARGREAVES LANS/ADR, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of recent ratings for HARGREAVES LANS/ADR and Jiayin Group, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
HARGREAVES LANS/ADR 0 0 0 0 N/A
Jiayin Group 0 0 1 0 3.00

Jiayin Group has a consensus price target of $17.00, suggesting a potential upside of 144.60%. Given Jiayin Group’s higher possible upside, analysts clearly believe Jiayin Group is more favorable than HARGREAVES LANS/ADR.

Dividends

HARGREAVES LANS/ADR pays an annual dividend of $1.11 per share and has a dividend yield of 2.3%. Jiayin Group does not pay a dividend. HARGREAVES LANS/ADR pays out 94.9% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Profitability

This table compares HARGREAVES LANS/ADR and Jiayin Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
HARGREAVES LANS/ADR N/A N/A N/A
Jiayin Group N/A N/A N/A

Summary

HARGREAVES LANS/ADR beats Jiayin Group on 6 of the 10 factors compared between the two stocks.

About HARGREAVES LANS/ADR

Hargreaves Lansdown plc provides direct-to-investor investment services for individuals and corporates in the United Kingdom and Poland. Its flagship service is Vantage, a direct-to-investor platform. The company offers stocks and shares individual savings accounts (ISAs), fund and share accounts, self-invested personal pensions (SIPPs), and lifetime ISAs. It also provides pension services, including SIPPs, annuities, drawdown, and mix and match pensions; share dealing services, such as overseas share dealing, initial public offerings and share offers, certificated share dealing, and exchange traded funds and exchange traded commodities/currencies; and fund dealing services. In addition, the company offers personal and business currency services; Junior ISA, SIPP, and investment accounts; and financial advisory services comprising investment management, lump sum investment, pension consolidation, portfolio restructuring, retirement planning, and estate planning services. Hargreaves Lansdown plc was founded in 1981 and is headquartered in Bristol, the United Kingdom.

About Jiayin Group

Jiayin Group Inc. operates as an online individual finance marketplace that connects individual investors and individual borrowers in China. It operates a secure and open platform that facilitates transparent, secure, and fast connections between investors and borrowers. The company was founded in 2011 and is headquartered in Shanghai, China.

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