Alphabet Inc Class A (GOOGL)vsJiayin Group Inc (JFIN)
GOOGL
Alphabet Inc Class A
$290.93
+0.17%
COMMUNICATION SERVICES · Cap: $3.65T
JFIN
Jiayin Group Inc
$5.41
+3.44%
COMMUNICATION SERVICES · Cap: $287.66M
Smart Verdict
WallStSmart Research — data-driven comparison
Alphabet Inc Class A generates 6063% more annual revenue ($402.84B vs $6.54B). GOOGL leads profitability with a 32.8% profit margin vs 26.2%. JFIN trades at a lower P/E of 1.1x. JFIN earns a higher WallStSmart Score of 71/100 (B).
GOOGL
Strong Buy70
out of 100
Grade: B
JFIN
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.6%
Fair Value
$505.91
Current Price
$290.93
$214.98 discount
Margin of Safety
+97.1%
Fair Value
$221.36
Current Price
$5.41
$215.95 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 36 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 31.6%
Generating 24.6B in free cash flow
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 48 in profit
Strong operational efficiency at 31.1%
Keeps 26 of every $100 in revenue as profit
Earnings expanding 44.7% YoY
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 8.5x book value
1.8% revenue growth
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : GOOGL
The strongest argument for GOOGL centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 32.8% and operating margin at 31.6%. Revenue growth of 18.0% demonstrates continued momentum.
Bull Case : JFIN
The strongest argument for JFIN centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 26.2% and operating margin at 31.1%.
Bear Case : GOOGL
The primary concerns for GOOGL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : JFIN
The primary concerns for JFIN are Revenue Growth, Market Cap.
Key Dynamics to Monitor
GOOGL profiles as a growth stock while JFIN is a value play — different risk/reward profiles.
GOOGL carries more volatility with a beta of 1.11 — expect wider price swings.
GOOGL is growing revenue faster at 18.0% — sustainability is the question.
Monitor INTERNET CONTENT & INFORMATION industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JFIN scores higher overall (71/100 vs 70/100), backed by strong 26.2% margins. GOOGL offers better value entry with a 42.6% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Alphabet Inc Class A
COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA
Alphabet Inc. is an American multinational conglomerate headquartered in Mountain View, California. It was created through a restructuring of Google on October 2, 2015, and became the parent company of Google and several former Google subsidiaries. The two co-founders of Google remained as controlling shareholders, board members, and employees at Alphabet. Alphabet is the world's fourth-largest technology company by revenue and one of the world's most valuable companies.
Visit Website →Jiayin Group Inc
COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · China
Jiayin Group Inc. is an online individual financial platform connecting individual investors and individual borrowers in China. The company is headquartered in Shanghai, the People's Republic of China.
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