Jiayin Group (NASDAQ:JFIN – Get Free Report) and Vanquis Banking Group (OTCMKTS:FPLPF – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, earnings, profitability, risk, dividends, institutional ownership and valuation.
Profitability
This table compares Jiayin Group and Vanquis Banking Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Jiayin Group | 17.79% | 21.67% | 11.33% |
| Vanquis Banking Group | N/A | N/A | N/A |
Dividends
Jiayin Group pays an annual dividend of $0.79 per share and has a dividend yield of 31.3%. Vanquis Banking Group pays an annual dividend of $0.85 per share and has a dividend yield of 54.4%. Jiayin Group pays out 31.3% of its earnings in the form of a dividend. Vanquis Banking Group pays out 76.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Jiayin Group | 1 | 0 | 0 | 0 | 1.00 |
| Vanquis Banking Group | 0 | 0 | 0 | 0 | 0.00 |
Earnings and Valuation
This table compares Jiayin Group and Vanquis Banking Group”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Jiayin Group | $5.20 billion | 0.03 | $219.61 million | $2.52 | 1.00 |
| Vanquis Banking Group | N/A | N/A | N/A | $1.12 | 1.40 |
Jiayin Group has higher revenue and earnings than Vanquis Banking Group. Jiayin Group is trading at a lower price-to-earnings ratio than Vanquis Banking Group, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
44.1% of Jiayin Group shares are owned by institutional investors. Comparatively, 58.3% of Vanquis Banking Group shares are owned by institutional investors. 51.2% of Jiayin Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Summary
Jiayin Group beats Vanquis Banking Group on 8 of the 11 factors compared between the two stocks.
About Jiayin Group
Jiayin Group Inc., together with its subsidiaries, provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers referral services for investment products offered by the financial service providers; and technology development and services, as well as guarantee services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.
About Vanquis Banking Group
Vanquis Banking Group plc engages in the provision of personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company offers credit cards products, and unsecured personal loans products, as well as provides vehicle finance for cars, motorbikes, van, and light commercial vehicles. It also operates Snoop, a fintech app, that uses open banking to help users save money and manage their finances. The company was formerly known as Provident Financial plc and changed its name to Vanquis Banking Group plc in March 2023. Vanquis Banking Group plc was founded in 1880 and is headquartered in Bradford, the United Kingdom.
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