JFIN vs. MSFT
JFIN (Jiayin Group Inc.) and MSFT (Microsoft Corporation) are both stocks. JFIN operates in Internet Content & Information (Communication Services), while MSFT operates in Software - Infrastructure (Technology). Over the past 5 years, JFIN returned 0.44%/yr vs 7.61%/yr for MSFT. At a 0.17 correlation, their price movements are largely independent.
Performance
JFIN vs. MSFT - Performance Comparison
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Returns By Period
In the year-to-date period, JFIN achieves a -31.38% return, which is significantly lower than MSFT's -23.71% return.
JFIN
- 1D
- -0.75%
- 1M
- 0.00%
- YTD
- -31.38%
- 6M
- -40.33%
- 1Y
- -73.68%
- 3Y*
- -2.93%
- 5Y*
- 0.44%
- 10Y*
- —
MSFT
- 1D
- -3.18%
- 1M
- -12.24%
- YTD
- -23.71%
- 6M
- -23.91%
- 1Y
- -22.44%
- 3Y*
- 3.92%
- 5Y*
- 7.61%
- 10Y*
- 23.62%
JFIN vs. MSFT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
JFIN Jiayin Group Inc. | -31.38% | -4.67% | 41.43% | 152.71% | 4.55% | -27.87% | -42.02% | -52.18% |
MSFT Microsoft Corporation | -23.71% | 15.58% | 12.93% | 58.19% | -28.02% | 52.48% | 42.53% | 26.97% |
Correlation
The correlation between JFIN and MSFT is 0.25, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.25 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.19 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.19 |
Correlation (All Time) Calculated using the full available price history since May 10, 2019 | 0.17 |
Fundamentals
JFIN:
$205.14M
MSFT:
$2.73T
JFIN:
CN¥29.59
MSFT:
$16.79
JFIN:
0.91
MSFT:
21.88
JFIN:
0.06
MSFT:
1.53
JFIN:
0.23
MSFT:
8.61
JFIN:
0.31
MSFT:
6.60
JFIN:
CN¥6.21B
MSFT:
$318.27B
JFIN:
CN¥4.98B
MSFT:
$217.41B
JFIN:
CN¥1.80B
MSFT:
$200.96B
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Return for Risk
JFIN vs. MSFT — Risk / Return Rank
JFIN
MSFT
JFIN vs. MSFT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Jiayin Group Inc. (JFIN) and Microsoft Corporation (MSFT). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| JFIN | MSFT | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.55 | ||
| Sortino ratioReturn per unit of downside risk | -1.83 | ||
| Omega ratioGain probability vs. loss probability | 0.69 | 0.86 | -0.17 |
| Calmar ratioReturn relative to maximum drawdown | -0.94 | -0.66 | -0.28 |
| Martin ratioReturn relative to average drawdown | -1.31 | -1.32 | +0.02 |
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Drawdowns
JFIN vs. MSFT - Drawdown Comparison
The maximum JFIN drawdown since its inception was -92.53%, which is greater than MSFT's maximum drawdown of -69.38%. Use the drawdown chart below to compare losses from any high point for JFIN and MSFT.
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Drawdown Indicators
| JFIN | MSFT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -92.53% | -69.38% | -23.15% |
Max Drawdown (1Y)Largest decline over 1 year | -78.35% | -33.91% | -44.44% |
Max Drawdown (3Y)Largest decline over 3 years | -78.74% | -33.91% | -44.83% |
Max Drawdown (5Y)Largest decline over 5 years | -78.74% | -37.15% | -41.59% |
Max Drawdown (10Y)Largest decline over 10 years | — | -37.15% | — |
Current DrawdownCurrent decline from peak | -77.96% | -31.80% | -46.16% |
Average DrawdownAverage peak-to-trough decline | -69.64% | -21.79% | -47.85% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 56.38% | 16.97% | +39.41% |
Volatility
JFIN vs. MSFT - Volatility Comparison
Jiayin Group Inc. (JFIN) has a higher volatility of 17.28% compared to Microsoft Corporation (MSFT) at 11.08%. This indicates that JFIN's price experiences larger fluctuations and is considered to be riskier than MSFT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| JFIN | MSFT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 17.28% | 11.08% | +6.20% |
Volatility (6M)Calculated over the trailing 6-month period | 38.23% | 22.93% | +15.30% |
Volatility (1Y)Calculated over the trailing 1-year period | 52.29% | 26.01% | +26.28% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 71.42% | 26.78% | +44.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 116.39% | 27.11% | +89.28% |
Dividends
JFIN vs. MSFT - Dividend Comparison
JFIN's dividend yield for the trailing twelve months is around 20.10%, more than MSFT's 0.97% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
JFIN Jiayin Group Inc. | 20.10% | 13.79% | 14.13% | 15.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
MSFT Microsoft Corporation | 0.97% | 0.70% | 0.73% | 0.74% | 1.06% | 0.68% | 0.94% | 1.20% | 1.69% | 1.86% | 2.37% | 2.33% |
Financials
JFIN vs. MSFT - Financials Comparison
This section allows you to compare key financial metrics between Jiayin Group Inc. and Microsoft Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
JFIN vs. MSFT - Profitability Comparison
JFIN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Jiayin Group Inc. reported a gross profit of 751.50M and revenue of 1.08B. Therefore, the gross margin over that period was 69.9%.
MSFT - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Microsoft Corporation reported a gross profit of 56.06B and revenue of 82.89B. Therefore, the gross margin over that period was 67.6%.
JFIN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Jiayin Group Inc. reported an operating income of 93.34M and revenue of 1.08B, resulting in an operating margin of 8.7%.
MSFT - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Microsoft Corporation reported an operating income of 38.40B and revenue of 82.89B, resulting in an operating margin of 46.3%.
JFIN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Jiayin Group Inc. reported a net income of 99.24M and revenue of 1.08B, resulting in a net margin of 9.2%.
MSFT - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Microsoft Corporation reported a net income of 31.78B and revenue of 82.89B, resulting in a net margin of 38.3%.
Frequently Asked Questions
JFIN and MSFT have a correlation of 0.25, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
JFIN has higher volatility (17.28%) compared to MSFT (11.08%). In terms of maximum drawdown, JFIN dropped -92.53% vs MSFT's -69.38%.
MSFT currently has the higher Sharpe Ratio (-0.87 vs -1.41), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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