Comparing Jiayin Group (NASDAQ:JFIN) & Binah Capital Group (NASDAQ:BCG)

Binah Capital Group (NASDAQ:BCG) and Jiayin Group (NASDAQ:JFIN) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, earnings, risk, institutional ownership, valuation, analyst recommendations and dividends.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Binah Capital Group	N/A	-5.28%	-7.16%
Jiayin Group	20.00%	49.78%	22.46%

Risk and Volatility

Binah Capital Group has a beta of 0.43, meaning that its share price is 57% less volatile than the S&P 500. Comparatively, Jiayin Group has a beta of 0.83, meaning that its share price is 17% less volatile than the S&P 500.

Institutional and Insider Ownership

5.0% of Binah Capital Group shares are held by institutional investors. Comparatively, 44.1% of Jiayin Group shares are held by institutional investors. 83.0% of Binah Capital Group shares are held by insiders. Comparatively, 51.2% of Jiayin Group shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Binah Capital Group and Jiayin Group”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Binah Capital Group	$167.96 million	0.28	$570,000.00	N/A	N/A
Jiayin Group	$6.02 billion	0.05	$182.75 million	$3.35	1.64

Jiayin Group has higher revenue and earnings than Binah Capital Group.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Binah Capital Group and Jiayin Group, as reported by MarketBeat.

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

Summary

Jiayin Group beats Binah Capital Group on 7 of the 9 factors compared between the two stocks.

About Binah Capital Group

Binah Capital Group, Inc., together with its subsidiaries, operates in the wealth management industry. The company provides access to stock, bond, exchange-traded fund, and options execution services; and research, compliance, supervision, and accounting and related services for financial advisors. It also offers mutual funds and insurance products, as well as alternative investments, such as non-traded real estate investment trusts, unit trusts, and fixed and variable annuities. The company was founded in 2016 and is headquartered in Albany, New York. Binah Capital Group, Inc. operates as a subsidiary of MHC Securities, LLC.

About Jiayin Group

Jiayin Group Inc., together with its subsidiaries, provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers referral services for investment products offered by the financial service providers; and technology development and services, as well as guarantee services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.