Jiayin Group (NASDAQ:JFIN – Get Free Report) and EZCORP (NASDAQ:EZPW – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, institutional ownership, dividends, profitability, analyst recommendations and earnings.
Earnings and Valuation
This table compares Jiayin Group and EZCORP”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Jiayin Group | $889.76 million | 0.08 | $219.61 million | $0.64 | 2.23 |
| EZCORP | $1.27 billion | 1.38 | $109.61 million | $1.98 | 14.42 |
Jiayin Group has higher earnings, but lower revenue than EZCORP. Jiayin Group is trading at a lower price-to-earnings ratio than EZCORP, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Jiayin Group has a beta of 0.89, meaning that its share price is 11% less volatile than the S&P 500. Comparatively, EZCORP has a beta of 0.76, meaning that its share price is 24% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of current recommendations and price targets for Jiayin Group and EZCORP, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Jiayin Group | 1 | 0 | 0 | 0 | 1.00 |
| EZCORP | 0 | 2 | 6 | 0 | 2.75 |
EZCORP has a consensus price target of $39.00, suggesting a potential upside of 36.60%. Given EZCORP’s stronger consensus rating and higher probable upside, analysts clearly believe EZCORP is more favorable than Jiayin Group.
Profitability
This table compares Jiayin Group and EZCORP’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Jiayin Group | 5.39% | 5.02% | 2.57% |
| EZCORP | 9.97% | 13.99% | 7.49% |
Institutional and Insider Ownership
44.1% of Jiayin Group shares are held by institutional investors. Comparatively, 99.8% of EZCORP shares are held by institutional investors. 51.2% of Jiayin Group shares are held by insiders. Comparatively, 2.1% of EZCORP shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Summary
EZCORP beats Jiayin Group on 11 of the 14 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 EZCORP
EZCORP, Inc. provides pawn services in the United States and Latin America. The company operates through three segments: U.S. Pawn, Latin America Pawn, and Other Investments. The company offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. It also retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, the company provides EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, it operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.
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