Jiayin Group (NASDAQ:JFIN) & Vanquis Banking Group (OTCMKTS:FPLPF) Head-To-Head Survey

Vanquis Banking Group (OTCMKTS:FPLPF) and Jiayin Group (NASDAQ:JFIN) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, valuation, analyst recommendations and dividends.

Institutional and Insider Ownership

58.3% of Vanquis Banking Group shares are held by institutional investors. Comparatively, 44.1% of Jiayin Group shares are held by institutional investors. 51.2% of Jiayin Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Vanquis Banking Group and Jiayin Group”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Vanquis Banking Group	N/A	N/A	N/A	$1.12	1.40
Jiayin Group	$5.20 billion	0.03	$219.61 million	$2.52	1.00

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.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Vanquis Banking Group and Jiayin Group, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Vanquis Banking Group	0	0	0	0	0.00
Jiayin Group	1	0	0	0	1.00

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Vanquis Banking Group	N/A	N/A	N/A
Jiayin Group	17.79%	21.67%	11.33%

Dividends

Vanquis Banking Group pays an annual dividend of $0.85 per share and has a dividend yield of 54.4%. Jiayin Group pays an annual dividend of $0.79 per share and has a dividend yield of 31.3%. 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. Jiayin Group pays out 31.3% of its earnings in the form of a dividend.

Summary

Jiayin Group beats Vanquis Banking Group on 8 of the 11 factors compared between the two stocks.

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.

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.