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JFIN vs NFLX

JFIN
Jiayin Group Inc.
BEARISH
Price
$4.19
Market Cap
$223.6M
Sector
Communication Services
AI Confidence
85%
NFLX
Netflix, Inc.
NEUTRAL
Price
$107.71
Market Cap
$456.89B
Sector
Communication Services
AI Confidence
80%

Valuation

P/E Ratio
JFIN
0.97
NFLX
42.57
Forward P/E
JFIN
2.21
NFLX
27.74
P/B Ratio
JFIN
0.33
NFLX
17.09
P/S Ratio
JFIN
0.04
NFLX
10.11
EV/EBITDA
JFIN
0.83
NFLX
33.87

Profitability

Gross Margin
JFIN
80.14%
NFLX
48.49%
Operating Margin
JFIN
8.68%
NFLX
24.54%
Profit Margin
JFIN
24.68%
NFLX
24.3%
ROE
JFIN
40.63%
NFLX
42.76%
ROA
JFIN
15.86%
NFLX
15.25%

Growth

Revenue Growth
JFIN
-22.4%
NFLX
17.6%
Earnings Growth
JFIN
-62.2%
NFLX
32.7%

Financial Health

Debt/Equity
JFIN
0.16
NFLX
0.64
Current Ratio
JFIN
2.72
NFLX
1.19
Quick Ratio
JFIN
1.49
NFLX
1.06

Dividends

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

AI Verdict

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)
NFLX NEUTRAL

Netflix exhibits a stable financial foundation with a Piotroski F-Score of 5/9, though it trades at a significant premium to its Graham Number ($18.94) and growth-based Intrinsic Value ($74.63). While profitability metrics are exceptional, including an ROE of 42.76% and strong margins, the valuation is stretched with a P/B of 17.09 and a PEG ratio of 2.22. The stock is currently caught between strong fundamental growth and bearish technicals/insider sentiment. Overall, the company is a high-performing business trading at a growth-adjusted premium.

Strengths
Exceptional Return on Equity (ROE) of 42.76%
Strong profitability with a 24.30% profit margin
Robust earnings growth (YoY +32.70%)
Risks
Significant overvaluation relative to book value (P/B 17.09)
Bearish insider activity with $94.78M in recent sales
Technical trend is currently bearish (0/100)

Compare Another Pair

JFIN vs NFLX: Head-to-Head Comparison

This page compares Jiayin Group Inc. (JFIN) and Netflix, Inc. (NFLX) 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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