COMP <GO>
JFIN vs MS // REVENUE GROWTH (YOY)
Jiayin Group Inc. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: JFIN 6
— MS 2
▲ REVENUE GROWTH (YOY) LEADER: JFIN
LAST: $1.62 (-5.81%) • MKT CAP: $90.0M
revenue-growth
12.00%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
revenue-growth
5.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (JFIN VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | JFIN | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 29.10% | 3.00% | +26.10 | JFIN | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -7.25% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 28.90% | 24.60% | +4.30 | JFIN | /operating-margins <GO> |
| Net Profit Margin | 24.70% | 20.20% | +4.50 | JFIN | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | 12.00% | 5.50% | +6.50 | JFIN | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 5/9 | +2.00 | JFIN | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.0 | 51.0 | +7.96 | JFIN | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 16.5x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $90.0M | $298.41B | -$298.32B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | JFIN REV | MS REV | JFIN GROSS % | MS GROSS % | JFIN FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $889.8M | $0 | — | — | $89.0M | -$17.89B |
| FY 2024 | $794.7M | $0 | — | — | $94.0M | $1.36B |
| FY 2023 | $770.0M | $0 | — | — | $54.9M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
JFIN // BETA —
MS // BETA 1.04