Head to Head Comparison: Gryphon Digital Mining (NASDAQ:GRYP) and Jiayin Group (NASDAQ:JFIN)

Jiayin Group (NASDAQ:JFIN) and Gryphon Digital Mining (NASDAQ:GRYP) 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 institutional ownership, valuation, risk, analyst recommendations, earnings, dividends and profitability.

Analyst Ratings

This is a breakdown of current ratings and target prices for Jiayin Group and Gryphon Digital Mining, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	0	0	0	0	0.00
Gryphon Digital Mining	0	1	0	0	2.00

Profitability

This table compares Jiayin Group and Gryphon Digital Mining’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Jiayin Group	19.17%	43.90%	21.31%
Gryphon Digital Mining	N/A	N/A	-133.06%

Valuation & Earnings

This table compares Jiayin Group and Gryphon Digital Mining”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$5.80 billion	0.11	$182.75 million	$2.76	4.13
Gryphon Digital Mining	$20.54 million	0.54	-$11.58 million	($0.54)	-0.30

Jiayin Group has higher revenue and earnings than Gryphon Digital Mining. Gryphon Digital Mining is trading at a lower price-to-earnings ratio than Jiayin Group, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

44.1% of Jiayin Group shares are owned by institutional investors. Comparatively, 10.2% of Gryphon Digital Mining shares are owned by institutional investors. 51.2% of Jiayin Group shares are owned by insiders. Comparatively, 11.7% of Gryphon Digital Mining shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Volatility & Risk

Jiayin Group has a beta of 0.62, meaning that its share price is 38% less volatile than the S&P 500. Comparatively, Gryphon Digital Mining has a beta of 2.77, meaning that its share price is 177% more volatile than the S&P 500.

Summary

Jiayin Group beats Gryphon Digital Mining on 9 of the 12 factors compared between the two stocks.

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.

About Gryphon Digital Mining

Gryphon Digital Mining, Inc. operates as a bitcoin mining company in the United States. It operates mining computers and ESG-led mining. The company was founded in 2020 and is based in Las Vegas, Nevada.