Analyzing Jiayin Group (NASDAQ:JFIN) & Cellebrite DI (NASDAQ:CLBT)

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

Analyst Recommendations

This is a summary of current ratings and target prices for Jiayin Group and Cellebrite DI, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	0	1	0	0	2.00
Cellebrite DI	0	1	4	0	2.80

Cellebrite DI has a consensus target price of $21.75, suggesting a potential upside of 68.74%. Given Cellebrite DI’s stronger consensus rating and higher probable upside, analysts plainly believe Cellebrite DI is more favorable than Jiayin Group.

Volatility and Risk

Jiayin Group has a beta of 0.88, indicating that its stock price is 12% less volatile than the S&P 500. Comparatively, Cellebrite DI has a beta of 1.15, indicating that its stock price is 15% more volatile than the S&P 500.

Earnings & Valuation

This table compares Jiayin Group and Cellebrite DI”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$889.76 million	0.25	$219.61 million	$4.08	1.03
Cellebrite DI	$475.67 million	6.76	$78.33 million	$0.28	46.04

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Jiayin Group	24.60%	37.45%	20.10%
Cellebrite DI	14.48%	18.38%	9.68%

Insider and Institutional Ownership

44.1% of Jiayin Group shares are owned by institutional investors. Comparatively, 45.9% of Cellebrite DI shares are owned by institutional investors. 51.2% of Jiayin Group shares are owned by company insiders. Comparatively, 5.7% of Cellebrite DI shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

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 Cellebrite DI

Cellebrite DI Ltd. develops solutions for legally sanctioned investigations in Europe, the Middle East, Africa, the Americas, and the Asia-Pacific. The company's DI suite of solutions allows users to collect, review, analyze, and manage digital data across the investigative lifecycle with respect to legally sanctioned investigations used in various cases, including child exploitation, homicide, anti-terror, border control, sexual crimes, human trafficking, corporate security, cryptocurrency, and intellectual property theft. It provides Inseyets, a digital forensics software that collects and reviews digital evidence from various digital sources when conducting legally sanctioned investigations. The company's digital forensics software also offers data extraction, decoding capabilities, workflows, and automation capabilities. In addition, it provides Cellebrite Pathfinder, which reduces the time spent manually reviewing digital evidence by automating data analysis and visualization; Smart Search, an open source intelligence tool that automates the collection and review of publicly available online data; and Guardian, a case and evidence management solution. Further, the company offers digital forensic software for enterprises and service providers, including Inseyets for Enterprise, Endpoint Inspector, and Mobile Now; and professional services, such as training and certification services, and other services. It serves federal and state and local agencies. The company was incorporated in 1999 and is headquartered in Petah Tikva, Israel.