JFIN
Jiayin Group Inc.
JFIN offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
VZ
Verizon Communications Inc.
VZ has the edge over JFIN overall, supported by stronger fundamentals and lower modeled downside.
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.
VZ Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| Strong | |
| Under pressure |
VZ's profitability and cash flow are currently healthy, and its revenue is stable, but its balance sheet is under pressure.
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.
VZ PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $32.43 | -30% |
| Forward | 9x | $46.55 | — |
| Fair | 11x | $43.63 | -6.3% |
| Current | 12x | $46.55 | — |
| Expensive | 14x | $56.75 | +22% |
Historical ranges are pointers, not guarantees.
VZ 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 |
JFIN has the edge over VZ on the outlook, with more favorable revenue expectations.
VZ Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect VZ's earnings to grow and its profitability to improve, with its revenue holding steady.
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% |
JFIN earned $0.70 per share over the past year, down 85% from the year before.
VZ Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.19 | +32% |
| Q3 2026 | $3.93 | -16% |
| Q2 2026 | $3.85 | -10% |
| Q1 2026 | $4.11 | -2.1% |
| Q4 2025 | $4.06 | -1.9% |
| Q3 2025 | $4.68 | +103% |
| Q2 2025 | $4.29 | +61% |
| Q1 2025 | $4.20 | +57% |
| Q4 2024 | $4.14 | +51% |
VZ has the edge over JFIN on earnings, with stronger typical year-over-year growth.
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.
VZ Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $34.3B | +1.5% |
| Q2 2026 | $34.3B | -0.7% |
| Q1 2026 | $34.4B | +2.9% |
| Q4 2025 | $36.4B | +2% |
| Q3 2025 | $33.8B | +1.5% |
| Q2 2025 | $34.5B | +5.2% |
| Q1 2025 | $33.5B | +1.5% |
| Q4 2024 | $35.7B | +1.6% |
VZ has the edge over JFIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | +1.3 points |
| Q2 2026 | 21% | -2.7 points |
| Q1 2026 | 24% | +0.1 points |
| Q4 2025 | 14% | -7.1 points |
| Q3 2025 | 24% | +6.2 points |
| Q2 2025 | 24% | -0.2 points |
| Q1 2025 | 24% | +1 points |
| Q4 2024 | 21% | +19 points |
VZ 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.
VZ Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $11.5B | +2.2% |
| Q2 2026 | $10.4B | +16% |
| Q1 2026 | $8B | +2.6% |
| Q4 2025 | $9.1B | -13% |
| Q3 2025 | $11.3B | +14% |
| Q2 2025 | $9B | -5.4% |
| Q1 2025 | $7.8B | +9.9% |
| Q4 2024 | $10.4B | +20% |
VZ 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 52M diluted shares, down 0.6% from a year ago.
| 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.
VZ Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -10M shares |
| 1 year | -1.7% | -72M shares |
| 3 years | -1.3% | -55M shares |
| 5 years | +0.4% | +17M shares |
| Available history | +0.5% | +21M shares |
VZ has the edge over JFIN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $500M |
| Q2 2026 | $1B |
| Q1 2026 | $2.5B |
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 has the edge over VZ on leverage, with a lower net debt burden relative to earnings.
VZ Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.3x | Elevated |
| Q2 2026 | 3.4x | Elevated |
| Q1 2026 | 3.4x | Elevated |
| Q4 2025 | 2.9x | Moderate |
| Q3 2025 | 2.8x | Moderate |
| Q2 2025 | 3.0x | Moderate |
| Q1 2025 | 3.0x | Elevated |
| Q4 2024 | 3.0x | Elevated |
VZ's net debt is about 3.3 years of its operating earnings (EBITDA), up from 2.8 years a year ago.
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).
VZ Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.9 | Neutral |
| Stochastic | 44.6 | Neutral |
VZ's weekly RSI is 51 (neutral) and its Stochastic is 45 (neutral).
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 VZ on valuation relative to its sector.
VZ PE vs Communication Services Sector
| Metric | VZ | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 16x | 28% below |
| PE % | 58 | 26 | 32 pts above |
VZ is trading at 12x earnings, a 28% discount to the Communication Services sector's median of 16x.
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 |
JFIN is in a downtrend: it's below all five of its weekly moving averages, and 79% below its 200-week average.
VZ Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $45.1 | 3.1% above |
| 20 week MA | $46.3 | 0.5% above |
| 50 week MA | $46.1 | 1.1% above |
| 100 week MA | $44.2 | 5.4% above |
| 200 week MA | $41.4 | 12% above |
VZ has the edge over JFIN on trend strength, trading above more of its moving averages.
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.
VZ Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $61.5 | $58.8 | -4.4% |
| 2021 | $58.8 | $52.7 | -10% |
| 2022 | $52.7 | $38.4 | -27% |
| 2023 | $38.4 | $37.7 | -1.8% |
| 2024 | $37.7 | $39.9 | +5.9% |
| 2025 | $39.9 | $40.5 | +1.4% |
| 2026 YTD | $40.5 | $46.6 | +15% |
VZ has the edge over JFIN on returns for 2026, with the stronger performance.