Analyzing Jiayin Group (NASDAQ:JFIN) and LM Funding America (NASDAQ:LMFA)

Jiayin Group (NASDAQ:JFIN) and LM Funding America (NASDAQ:LMFA) are both small-cap computer and technology companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, earnings, profitability, risk, dividends, institutional ownership and valuation.

Institutional and Insider Ownership

0.1% of Jiayin Group shares are held by institutional investors. Comparatively, 4.3% of LM Funding America shares are held by institutional investors. 28.0% of LM Funding America shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Valuation and Earnings

This table compares Jiayin Group and LM Funding America’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Jiayin Group $419.16 million 1.74 $88.98 million $0.44 30.91
LM Funding America $3.39 million 0.90 -$470,000.00 N/A N/A

Jiayin Group has higher revenue and earnings than LM Funding America.

Analyst Recommendations

This is a breakdown of recent ratings for Jiayin Group and LM Funding America, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jiayin Group 0 0 1 0 3.00
LM Funding America 0 0 0 0 N/A

Jiayin Group presently has a consensus target price of $17.00, indicating a potential upside of 25.00%. Given Jiayin Group’s higher possible upside, analysts plainly believe Jiayin Group is more favorable than LM Funding America.

Profitability

This table compares Jiayin Group and LM Funding America’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Jiayin Group N/A N/A N/A
LM Funding America -57.98% -42.90% -26.28%

Summary

Jiayin Group beats LM Funding America on 8 of the 10 factors compared between the two stocks.

Jiayin Group Company Profile

Jiayin Group Inc. operates as an online individual finance marketplace that connects individual investors and individual borrowers in China. It operates a secure and open platform that facilitates transparent, secure, and fast connections between investors and borrowers. The company was founded in 2011 and is headquartered in Shanghai, China.

LM Funding America Company Profile

LM Funding America, Inc., through its subsidiary, LM Funding, LLC, operates as a specialty finance company. It provides funding to nonprofit community associations (Associations) primarily located in the state of Florida, as well as in the states of Washington, Colorado, and Illinois. The company offers funding to Associations by purchasing their rights under delinquent accounts that are selected by the Associations arising from unpaid Association assessments. It is also involved in the business of purchasing delinquent accounts on various terms tailored to suit each Association's financial needs, including under its New Neighbor Guaranty program. The company was founded in 2008 and is based in Tampa, Florida.

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