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GOOG vs JFIN

GOOG
Alphabet Inc.
BULLISH
Price
$286.86
Market Cap
$3.47T
Sector
Communication Services
AI Confidence
55%
JFIN
Jiayin Group Inc.
BEARISH
Price
$4.19
Market Cap
$223.6M
Sector
Communication Services
AI Confidence
85%

Valuation

P/E Ratio
GOOG
26.51
JFIN
0.97
Forward P/E
GOOG
21.36
JFIN
2.21
P/B Ratio
GOOG
8.35
JFIN
0.33
P/S Ratio
GOOG
8.61
JFIN
0.04
EV/EBITDA
GOOG
22.71
JFIN
0.83

Profitability

Gross Margin
GOOG
59.65%
JFIN
80.14%
Operating Margin
GOOG
31.57%
JFIN
8.68%
Profit Margin
GOOG
32.81%
JFIN
24.68%
ROE
GOOG
35.7%
JFIN
40.63%
ROA
GOOG
15.43%
JFIN
15.86%

Growth

Revenue Growth
GOOG
18.0%
JFIN
-22.4%
Earnings Growth
GOOG
31.1%
JFIN
-62.2%

Financial Health

Debt/Equity
GOOG
0.16
JFIN
0.16
Current Ratio
GOOG
2.0
JFIN
2.72
Quick Ratio
GOOG
1.85
JFIN
1.49

Dividends

Dividend Yield
GOOG
0.31%
JFIN
19.09%
Payout Ratio
GOOG
7.68%
JFIN
19.53%

AI Verdict

GOOG BULLISH

GOOG shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (32.8% margin)
Strong revenue growth of 18.0%
Low debt with D/E ratio of 0.16
Risks
Premium vs Graham Number ($91.45)
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

GOOG vs JFIN: Head-to-Head Comparison

This page compares Alphabet Inc. (GOOG) 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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