Jiayin Group (JFIN) Competitors

Park National (NYSE:PRK) and Jiayin Group (NASDAQ:JFIN) are both banking companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, profitability, analyst recommendations, dividends, media sentiment, risk, valuation and institutional ownership.

Do analysts rate PRK or JFIN?

Park National currently has a consensus target price of $177.75, indicating a potential upside of 6.62%. Given Park National's stronger consensus rating and higher probable upside, equities analysts clearly believe Park National is more favorable than Jiayin Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Park National	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Jiayin Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has higher valuation and earnings, PRK or JFIN?

Park National has higher earnings, but lower revenue than Jiayin Group. Jiayin Group is trading at a lower price-to-earnings ratio than Park National, 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
Park National	$543.45M	4.93	$151.42M	$10.29	16.20
Jiayin Group	$794.74M	0.86	$144.74M	$3.44	3.73

Does the media favor PRK or JFIN?

In the previous week, Park National had 39 more articles in the media than Jiayin Group. MarketBeat recorded 41 mentions for Park National and 2 mentions for Jiayin Group. Jiayin Group's average media sentiment score of 0.27 beat Park National's score of -0.08 indicating that Jiayin Group is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Park National	2 Very Positive mention(s)	11 Positive mention(s)	11 Neutral mention(s)	13 Negative mention(s)	4 Very Negative mention(s)	Neutral
Jiayin Group	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is PRK or JFIN a better dividend stock?

Park National pays an annual dividend of $4.28 per share and has a dividend yield of 2.6%. Jiayin Group pays an annual dividend of $1.28 per share and has a dividend yield of 10.0%. Park National pays out 41.6% of its earnings in the form of a dividend. Jiayin Group pays out 37.2% 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. Park National has raised its dividend for 8 consecutive years. Jiayin Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do institutionals & insiders believe in PRK or JFIN?

62.7% of Park National shares are held by institutional investors. Comparatively, 44.1% of Jiayin Group shares are held by institutional investors. 2.7% of Park National 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 endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Which has more risk and volatility, PRK or JFIN?

Park National has a beta of 0.76, suggesting that its share price is 24% less volatile than the S&P 500. Comparatively, Jiayin Group has a beta of 1.02, suggesting that its share price is 2% more volatile than the S&P 500.

Is PRK or JFIN more profitable?

Park National has a net margin of 23.46% compared to Jiayin Group's net margin of 21.66%. Jiayin Group's return on equity of 42.68% beat Park National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Park National	23.46%	12.31%	1.50%
Jiayin Group	21.66%	42.68%	23.41%

Summary

Park National beats Jiayin Group on 10 of the 18 factors compared between the two stocks.