Contrasting BOX (NYSE:BOX) & Jiayin Group (NASDAQ:JFIN)

BOX (NYSE:BOX) and Jiayin Group (NASDAQ:JFIN) are both computer and technology companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, risk, earnings, valuation, profitability, analyst recommendations and dividends.

Institutional & Insider Ownership

86.7% of BOX shares are held by institutional investors. Comparatively, 44.1% of Jiayin Group shares are held by institutional investors. 3.9% of BOX shares are held by company insiders. Comparatively, 51.2% of Jiayin Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

This table compares BOX and Jiayin Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BOX	9.80%	-23.61%	4.17%
Jiayin Group	24.60%	37.45%	20.10%

Risk and Volatility

BOX has a beta of 0.71, meaning that its share price is 29% less volatile than the S&P 500. Comparatively, Jiayin Group has a beta of 0.76, meaning that its share price is 24% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and target prices for BOX and Jiayin Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BOX	1	5	4	0	2.30
Jiayin Group	0	1	0	0	2.00

BOX presently has a consensus price target of $35.57, indicating a potential upside of 51.16%. Given BOX’s stronger consensus rating and higher possible upside, analysts plainly believe BOX is more favorable than Jiayin Group.

Valuation and Earnings

This table compares BOX 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
BOX	$1.18 billion	2.77	$115.38 million	$0.59	39.89
Jiayin Group	$889.76 million	0.28	$219.61 million	$4.08	1.13

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

About BOX

Box, Inc. engages in the provision of an enterprise content platform that enables organizations to securely manage enterprise content while allowing easy, secure access and sharing of this content from anywhere, on any device. Its products include cloud content management, IT and admin controls, Box Governance, Box Zones, Box Relay, Box Shuttle, and Box KeySafe. The company was founded by Aaron Levie, Dylan Smith, Jeff Queisser, and Sam Ghods in March 2005 and is headquartered in Redwood City, CA.

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.