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JFIN vs TMUS

JFIN
Jiayin Group Inc.
BEARISH
Price
$4.19
Market Cap
$223.6M
Sector
Communication Services
AI Confidence
85%
TMUS
T-Mobile US, Inc.
NEUTRAL
Price
$204.25
Market Cap
$228.5B
Sector
Communication Services
AI Confidence
85%

Valuation

P/E Ratio
JFIN
0.97
TMUS
21.02
Forward P/E
JFIN
2.21
TMUS
14.53
P/B Ratio
JFIN
0.33
TMUS
3.82
P/S Ratio
JFIN
0.04
TMUS
2.59
EV/EBITDA
JFIN
0.83
TMUS
10.65

Profitability

Gross Margin
JFIN
80.14%
TMUS
63.17%
Operating Margin
JFIN
8.68%
TMUS
18.37%
Profit Margin
JFIN
24.68%
TMUS
12.45%
ROE
JFIN
40.63%
TMUS
18.18%
ROA
JFIN
15.86%
TMUS
5.68%

Growth

Revenue Growth
JFIN
-22.4%
TMUS
11.3%
Earnings Growth
JFIN
-62.2%
TMUS
-26.6%

Financial Health

Debt/Equity
JFIN
0.16
TMUS
2.09
Current Ratio
JFIN
2.72
TMUS
1.0
Quick Ratio
JFIN
1.49
TMUS
0.67

Dividends

Dividend Yield
JFIN
19.09%
TMUS
1.94%
Payout Ratio
JFIN
19.53%
TMUS
37.65%

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)
TMUS NEUTRAL

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

Strengths
Strong ROE of 18.2%
Risks
Premium vs Graham Number ($108.15)
High debt burden with D/E of 2.09

Compare Another Pair

JFIN vs TMUS: Head-to-Head Comparison

This page compares Jiayin Group Inc. (JFIN) and T-Mobile US, Inc. (TMUS) 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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