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CXDO vs JFIN

CXDO
Crexendo, Inc.
NEUTRAL
Price
$6.39
Market Cap
$203.8M
Sector
Communication Services
AI Confidence
80%
JFIN
Jiayin Group Inc.
BEARISH
Price
$4.19
Market Cap
$223.6M
Sector
Communication Services
AI Confidence
85%

Valuation

P/E Ratio
CXDO
39.94
JFIN
0.97
Forward P/E
CXDO
14.61
JFIN
2.21
P/B Ratio
CXDO
3.1
JFIN
0.33
P/S Ratio
CXDO
2.99
JFIN
0.04
EV/EBITDA
CXDO
23.11
JFIN
0.83

Profitability

Gross Margin
CXDO
63.04%
JFIN
80.14%
Operating Margin
CXDO
6.55%
JFIN
8.68%
Profit Margin
CXDO
7.44%
JFIN
24.68%
ROE
CXDO
8.8%
JFIN
40.63%
ROA
CXDO
4.15%
JFIN
15.86%

Growth

Revenue Growth
CXDO
11.2%
JFIN
-22.4%
Earnings Growth
CXDO
111.8%
JFIN
-62.2%

Financial Health

Debt/Equity
CXDO
0.02
JFIN
0.16
Current Ratio
CXDO
3.4
JFIN
2.72
Quick Ratio
CXDO
3.08
JFIN
1.49

Dividends

Dividend Yield
CXDO
--
JFIN
19.09%
Payout Ratio
CXDO
0.0%
JFIN
19.53%

AI Verdict

CXDO NEUTRAL

CXDO shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.

Strengths
Low debt with D/E ratio of 0.02
Risks
High valuation with P/E of 39.9
Premium vs Graham Number ($2.72)
JFIN BEARISH

JFIN presents a classic 'value trap' profile, characterized by a stable Piotroski F-Score of 5/9 and extreme valuation discounts (P/E 0.97, P/B 0.33) contrasted against severe fundamental decay. While the Graham Number ($34.83) and Intrinsic Value ($30.1) suggest massive undervaluation, these are offset by a -62.2% YoY earnings collapse and a -22.4% revenue decline. The technical trend is completely bearish (0/100), and the company has a chronic history of missing earnings estimates by significant margins. Despite a strong balance sheet and a high dividend yield, the lack of growth and negative price momentum outweigh the valuation appeal.

Strengths
Extremely low valuation multiples (P/E < 1, P/S 0.04)
Strong liquidity with a Current Ratio of 2.72
Low leverage with Debt/Equity at 0.16
Risks
Severe earnings contraction (-62.2% YoY)
Negative revenue growth (-22.4% YoY)
Chronic failure to meet earnings estimates (1/4 beats in last 4 quarters)

Compare Another Pair

CXDO vs JFIN: Head-to-Head Comparison

This page compares Crexendo, Inc. (CXDO) and Jiayin Group Inc. (JFIN) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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