JFIN vs. VOO
JFIN (Jiayin Group Inc.) is a stock, while VOO (Vanguard S&P 500 ETF) is S&P 500 fund tracking the S&P 500 Index. Over the past 5 years, JFIN returned -4.39%/yr vs 13.22%/yr for VOO. At a 0.24 correlation, their price movements are largely independent.
Performance
JFIN vs. VOO - Performance Comparison
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Returns By Period
In the year-to-date period, JFIN achieves a -49.14% return, which is significantly lower than VOO's 11.31% return.
JFIN
- 1D
- 1.03%
- 1M
- -27.16%
- 6M
- -57.37%
- YTD
- -49.14%
- 1Y
- -82.67%
- 3Y*
- -8.42%
- 5Y*
- -4.39%
- 10Y*
- —
VOO
- 1D
- 0.46%
- 1M
- 2.04%
- 6M
- 9.36%
- YTD
- 11.31%
- 1Y
- 22.48%
- 3Y*
- 21.08%
- 5Y*
- 13.22%
- 10Y*
- 15.29%
JFIN vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
JFIN Jiayin Group Inc. | -49.14% | -4.67% | 41.43% | 152.71% | 4.55% | -27.87% | -42.02% | -52.18% |
VOO Vanguard S&P 500 ETF | 11.31% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 14.02% |
Correlation
The correlation between JFIN and VOO is 0.32, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.32 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.25 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.26 |
Correlation (All Time) Calculated using the full available price history since May 10, 2019 | 0.24 |
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Return for Risk
JFIN vs. VOO — Risk / Return Rank
JFIN
VOO
JFIN vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Jiayin Group Inc. (JFIN) and Vanguard S&P 500 ETF (VOO). 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 | VOO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -3.18 | ||
| Sortino ratioReturn per unit of downside risk | -5.63 | ||
| Omega ratioGain probability vs. loss probability | 0.61 | 1.32 | -0.71 |
| Calmar ratioReturn relative to maximum drawdown | -0.99 | 2.49 | -3.48 |
| Martin ratioReturn relative to average drawdown | -1.40 | 10.85 | -12.25 |
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Drawdowns
JFIN vs. VOO - Drawdown Comparison
The maximum JFIN drawdown since its inception was -92.53%, which is greater than VOO's maximum drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for JFIN and VOO.
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Drawdown Indicators
| JFIN | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -92.53% | -33.99% | -58.54% |
Max Drawdown (1Y)Largest decline over 1 year | -83.93% | -8.90% | -75.03% |
Max Drawdown (3Y)Largest decline over 3 years | -84.22% | -18.69% | -65.53% |
Max Drawdown (5Y)Largest decline over 5 years | -84.22% | -24.52% | -59.70% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.99% | — |
Current DrawdownCurrent decline from peak | -83.67% | -0.34% | -83.33% |
Average DrawdownAverage peak-to-trough decline | -69.74% | -3.68% | -66.06% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 59.47% | 2.04% | +57.43% |
Volatility
JFIN vs. VOO - Volatility Comparison
Jiayin Group Inc. (JFIN) has a higher volatility of 36.70% compared to Vanguard S&P 500 ETF (VOO) at 4.42%. This indicates that JFIN's price experiences larger fluctuations and is considered to be riskier than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| JFIN | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 36.70% | 4.42% | +32.28% |
Volatility (6M)Calculated over the trailing 6-month period | 50.07% | 9.94% | +40.13% |
Volatility (1Y)Calculated over the trailing 1-year period | 59.08% | 12.48% | +46.60% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 72.60% | 16.92% | +55.68% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 116.55% | 17.99% | +98.56% |
Dividends
JFIN vs. VOO - Dividend Comparison
JFIN's dividend yield for the trailing twelve months is around 27.12%, more than VOO's 1.06% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
JFIN Jiayin Group Inc. | 27.12% | 13.79% | 14.13% | 15.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VOO Vanguard S&P 500 ETF | 1.06% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Frequently Asked Questions
JFIN and VOO have a correlation of 0.32, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
JFIN has higher volatility (36.70%) compared to VOO (4.42%). In terms of maximum drawdown, JFIN dropped -92.53% vs VOO's -33.99%.
VOO currently has the higher Sharpe Ratio (1.77 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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