JFIN
Jiayin Group Inc.
JFIN has slightly lower modeled downside risk, despite its lower overall score.
RDDT
Reddit, Inc.
RDDT has the edge over JFIN overall, supported by stronger fundamentals and stronger modeled upside.
JFIN Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Stable | |
| Stable | |
| Healthy |
JFIN's balance sheet is currently healthy, and its profitability and cash flow are stable, but its revenue is weak.
RDDT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Strong |
RDDT's revenue, profitability, cash flow and balance sheet are all currently healthy.
JFIN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 1.4x | $0.97 | -31% |
| Fair | 1.9x | $1.30 | -6.8% |
| Current | 2x | $1.39 | — |
| Expensive | 4.6x | $3.24 | +133% |
Historical ranges are pointers, not guarantees.
JFIN's PE is 2.0x, but its earnings don't support one, so it isn't a reliable read right now.
RDDT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 16x | $99.55 | — |
| Current | 20x | $99.55 | — |
| Cheap | 35x | $171 | +72% |
| Fair | 46x | $228 | +129% |
| Expensive | 53x | $262 | +163% |
Historical ranges are pointers, not guarantees.
RDDT has the edge over JFIN in the historical PE scenario, which offers more potential upside but is not a forecast.
JFIN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for JFIN, with profitability improving.
RDDT Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect strong earnings and revenue growth for RDDT, with profitability improving. However, they disagree widely on these estimates.
JFIN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.70 | -85% |
| Q1 2026 | $2.70 | -28% |
| Q4 2025 | $4.39 | +47% |
| Q3 2025 | $4.88 | +51% |
| Q2 2025 | $4.54 | +34% |
| Q1 2025 | $3.73 | +2.8% |
| Q4 2024 | $2.99 | -18% |
| Q3 2024 | $3.24 | -21% |
RDDT has the stronger earnings trend. Trailing diluted EPS is down 85% for JFIN versus RDDT down 39%.
RDDT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.32 | +29% |
| Q3 2024 | -$7.98 | -$7.17 |
| Q2 2024 | -$8.19 | -$7.15 |
| Q1 2024 | -$8.38 | -$7.25 |
| Q4 2023 | -$0.56 | +$0.41 |
| Q3 2023 | -$0.81 | -$0.02 |
| Q2 2023 | -$1.04 | -$0.48 |
| Q1 2023 | -$1.13 | -$0.48 |
| Q4 2022 | -$0.97 | -$0.19 |
RDDT has returned to profit: it earned $4.90 per share over the past year, after losing money the year before.
JFIN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $110.6M | -61% |
| Q1 2026 | $112.9M | -58% |
| Q4 2025 | $161.3M | -23% |
| Q3 2025 | $220.6M | +1.8% |
| Q2 2025 | $283.1M | +28% |
| Q1 2025 | $266.5M | +20% |
| Q4 2024 | $210.8M | -12% |
| Q3 2024 | $216.8M | -1.5% |
JFIN's revenue has slid since its 2025 peak: $111M last quarter, down 61% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -33% | -67 points |
| Q1 2026 | -9.3% | -43 points |
| Q4 2025 | 8.7% | -19 points |
| Q3 2025 | 31% | +9.5 points |
| Q2 2025 | 34% | +19 points |
| Q1 2025 | 34% | +13 points |
| Q4 2024 | 28% | +14 points |
| Q3 2024 | 22% | -4.5 points |
JFIN's operating margin was −33% last quarter, down 67 points from the same quarter a year ago, near the bottom of its range since 2019.
RDDT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $895M | +53% |
| Q2 2026 | $804.9M | +61% |
| Q1 2026 | $663.4M | +69% |
| Q4 2025 | $725.6M | +70% |
| Q3 2025 | $584.9M | +68% |
| Q2 2025 | $499.6M | +78% |
| Q1 2025 | $392.4M | +61% |
| Q4 2024 | $427.7M | +71% |
RDDT has the edge over JFIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 29% | +5.5 points |
| Q2 2026 | 29% | +15 points |
| Q1 2026 | 28% | +27 points |
| Q4 2025 | 32% | +20 points |
| Q3 2025 | 24% | +22 points |
| Q2 2025 | 14% | +25 points |
| Q1 2025 | 1% | +244 points |
| Q4 2024 | 12% | +11 points |
RDDT has the edge over JFIN on profitability, with a higher operating margin.
JFIN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
JFIN's free cash flow was $0 over the past year, against $0 the year before.
RDDT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $362.6M | +98% |
| Q2 2026 | $260.7M | +135% |
| Q1 2026 | $311.2M | +146% |
| Q4 2025 | $263.6M | +196% |
| Q3 2025 | $183.1M | +161% |
| Q2 2025 | $110.8M | +308% |
| Q1 2025 | $126.6M | +333% |
| Q4 2024 | $89.2M | +$111.2M |
RDDT has the edge over JFIN on cash flow, with more consistent year-over-year improvement.
JFIN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +68.1K shares |
| 1 year | -0.6% | -305K shares |
| 3 years | -2.1% | -1.1M shares |
| 5 years | -3% | -1.6M shares |
| Available history | -3% | -1.6M shares |
JFIN has the edge over RDDT on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
JFIN hasn't bought back shares in the past year.
RDDT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -169K shares |
| 1 year | -0.4% | -868K shares |
| 3 years | +24% | +38.5M shares |
| 5 years | +24% | +38.5M shares |
RDDT has 202M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $100.4M |
| Q2 2026 | $234.6M |
| Q1 2026 | $5M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | $4.2M |
| Q4 2022 | — |
JFIN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | -0.0x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -0.1x | Net Cash |
| Q4 2024 | -0.4x | Net Cash |
| Q3 2024 | -0.6x | Net Cash |
JFIN's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago.
RDDT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -2.1x | Net Cash |
| Q3 2025 | -3.3x | Net Cash |
| Q2 2025 | -5.0x | Net Cash |
| Q1 2025 | -13.1x | Net Cash |
RDDT has the edge over JFIN on leverage, with a lower net debt burden relative to earnings.
JFIN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 30.2 | Neutral |
| Stochastic | 21.6 | Neutral |
JFIN's weekly RSI is 30 (neutral) and its Stochastic is 22 (neutral).
RDDT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.8 | Neutral |
| Stochastic | 6.5 | Oversold |
RDDT's weekly RSI is 35 (neutral) and its Stochastic is 6 (oversold).
JFIN PE vs Communication Services Sector
| Metric | JFIN | Sector median | Relative |
|---|---|---|---|
| PE | 2x | 16x | 88% below |
| PE % | 56 | 26 | 30 pts above |
JFIN has the edge over RDDT on valuation relative to its sector.
RDDT PE vs Communication Services Sector
| Metric | RDDT | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 16x | 23% above |
| PE % | 5 | 23 | 18 pts below |
RDDT is trading at 20x earnings, a 23% premium to the Communication Services sector's median of 16x, though its earnings don't support one.
JFIN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.40 | 0.7% below |
| 20 week MA | $1.89 | 26% below |
| 50 week MA | $4.03 | 66% below |
| 100 week MA | $7.72 | 82% below |
| 200 week MA | $6.63 | 79% below |
RDDT has stronger trend alignment. JFIN is above 0 of 5 weekly averages versus RDDT above 0 of 4.
RDDT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $130.6 | 24% below |
| 20 week MA | $151.7 | 34% below |
| 50 week MA | $165.0 | 40% below |
| 100 week MA | $167.1 | 40% below |
RDDT is in a downtrend: it's below all four of its weekly moving averages, and 40% below its 100-week average.
JFIN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.20 | $3.23 | -38% |
| 2021 | $3.23 | $2.43 | -25% |
| 2022 | $2.43 | $2.18 | -10% |
| 2023 | $2.18 | $5.18 | +138% |
| 2024 | $5.18 | $6.33 | +22% |
| 2025 | $6.33 | $6.20 | -2.1% |
| 2026 YTD | $6.20 | $1.39 | -78% |
JFIN has finished lower in four of the last six years. It's down 78% so far in 2026.
RDDT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $46.0 | $173.5 | +277% |
| 2025 | $173.5 | $225.8 | +30% |
| 2026 YTD | $225.8 | $99.6 | -56% |
RDDT has the edge over JFIN on returns for 2026, with the stronger performance.