Jiayin Group (JFIN) Competitors

Nicolet Bankshares (NYSE:NIC) and Jiayin Group (NASDAQ:JFIN) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their community ranking, analyst recommendations, earnings, risk, valuation, profitability, media sentiment, institutional ownership and dividends.

Do analysts rate NIC or JFIN?

Nicolet Bankshares currently has a consensus price target of $112.00, suggesting a potential upside of 5.36%. Given Nicolet Bankshares' stronger consensus rating and higher probable upside, equities analysts plainly believe Nicolet Bankshares is more favorable than Jiayin Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Nicolet Bankshares	0 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.40
Jiayin Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the media favor NIC or JFIN?

In the previous week, Nicolet Bankshares had 1 more articles in the media than Jiayin Group. MarketBeat recorded 2 mentions for Nicolet Bankshares and 1 mentions for Jiayin Group. Jiayin Group's average media sentiment score of 1.43 beat Nicolet Bankshares' score of -0.50 indicating that Jiayin Group is being referred to more favorably in the news media.

Company	Overall Sentiment
Nicolet Bankshares	Negative
Jiayin Group	Positive

Is NIC or JFIN more profitable?

Nicolet Bankshares has a net margin of 23.35% compared to Jiayin Group's net margin of 19.17%. Jiayin Group's return on equity of 43.90% beat Nicolet Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Nicolet Bankshares	23.35%	10.56%	1.34%
Jiayin Group	19.17%	43.90%	21.31%

Which has more volatility & risk, NIC or JFIN?

Nicolet Bankshares has a beta of 0.77, indicating that its stock price is 23% less volatile than the S&P 500. Comparatively, Jiayin Group has a beta of 0.91, indicating that its stock price is 9% less volatile than the S&P 500.

Does the MarketBeat Community prefer NIC or JFIN?

Jiayin Group received 35 more outperform votes than Nicolet Bankshares when rated by MarketBeat users. Likewise, 52.86% of users gave Jiayin Group an outperform vote while only 8.70% of users gave Nicolet Bankshares an outperform vote.

Company	Underperform	Outperform
Nicolet Bankshares	Outperform Votes 2 8.70%	Underperform Votes 21 91.30%
Jiayin Group	Outperform Votes 37 52.86%	Underperform Votes 33 47.14%

Which has preferable earnings & valuation, NIC or JFIN?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Nicolet Bankshares	$349.34M	4.63	$61.52M	$7.86	13.52
Jiayin Group	$769.99M	0.51	$182.75M	$3.00	2.43

Is NIC or JFIN a better dividend stock?

Nicolet Bankshares pays an annual dividend of $1.12 per share and has a dividend yield of 1.1%. Jiayin Group pays an annual dividend of $0.88 per share and has a dividend yield of 12.1%. Nicolet Bankshares pays out 14.2% of its earnings in the form of a dividend. Jiayin Group pays out 29.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Do institutionals and insiders hold more shares of NIC or JFIN?

43.1% of Nicolet Bankshares shares are held by institutional investors. Comparatively, 44.1% of Jiayin Group shares are held by institutional investors. 16.4% of Nicolet Bankshares shares are held by insiders. Comparatively, 51.2% of Jiayin Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Jiayin Group beats Nicolet Bankshares on 11 of the 20 factors compared between the two stocks.