Contrasting Hexindai (NASDAQ:HX) and Jiayin Group (NASDAQ:JFIN)

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

Dividends

Hexindai pays an annual dividend of $0.25 per share and has a dividend yield of 10.7%. Jiayin Group does not pay a dividend. Hexindai pays out 250.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Valuation and Earnings

This table compares Jiayin Group and Hexindai’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Jiayin Group $419.16 million 1.21 $88.98 million N/A N/A
Hexindai $61.33 million 1.93 $5.53 million $0.10 23.40

Jiayin Group has higher revenue and earnings than Hexindai.

Insider and Institutional Ownership

4.1% of Hexindai shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and price targets for Jiayin Group and Hexindai, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jiayin Group 0 0 0 0 N/A
Hexindai 0 0 0 0 N/A

Profitability

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

Net Margins Return on Equity Return on Assets
Jiayin Group N/A N/A N/A
Hexindai 9.02% 4.10% 3.40%

Summary

Hexindai beats Jiayin Group on 6 of the 9 factors compared between the two stocks.

Jiayin Group Company Profile

Jiayin Group Inc. operates as an online individual finance marketplace that connects individual investors and individual borrowers in China. It operates a secure and open platform that facilitates transparent, secure, and fast connections between investors and borrowers. The company was founded in 2011 and is headquartered in Shanghai, China.

Hexindai Company Profile

Hexindai Inc. operates a consumer lending marketplace that facilitates loans in China. It primarily focuses on facilitating medium-sized credit loans. The company provides borrowers a range of products based on customer segmentation data and tailored to the specific needs of the emerging middle class; and investors various types of investment products. The company was founded in 2013 and is headquartered in Beijing, China.

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