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JIAYIN GROUP INC-ADR (JFIN) Stock Fundamental Analysis

NASDAQ:JFIN - Nasdaq - US47737C1045 - ADR - Currency: USD

9.94  -0.43 (-4.15%)

Fundamental Rating

7

Overall JFIN gets a fundamental rating of 7 out of 10. We evaluated JFIN against 53 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making JFIN a very profitable company, without any liquidiy or solvency issues. JFIN has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

In the past year JFIN was profitable.
JFIN had a positive operating cash flow in the past year.
JFIN had positive earnings in each of the past 5 years.
JFIN had a positive operating cash flow in 4 of the past 5 years.
JFIN Yearly Net Income VS EBIT VS OCF VS FCFJFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B

1.2 Ratios

JFIN's Return On Assets of 22.99% is amongst the best of the industry. JFIN outperforms 100.00% of its industry peers.
The Return On Equity of JFIN (54.47%) is better than 98.08% of its industry peers.
JFIN's Return On Invested Capital of 27.32% is amongst the best of the industry. JFIN outperforms 98.08% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for JFIN is significantly above the industry average of 7.30%.
The 3 year average ROIC (64.66%) for JFIN is well above the current ROIC(27.32%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 22.99%
ROE 54.47%
ROIC 27.32%
ROA(3y)36.88%
ROA(5y)46.81%
ROE(3y)614.54%
ROE(5y)N/A
ROIC(3y)64.66%
ROIC(5y)122.54%
JFIN Yearly ROA, ROE, ROICJFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 0 1K -1K -2K -3K

1.3 Margins

The Profit Margin of JFIN (23.74%) is better than 88.46% of its industry peers.
JFIN's Profit Margin has improved in the last couple of years.
JFIN's Operating Margin of 24.37% is amongst the best of the industry. JFIN outperforms 82.69% of its industry peers.
In the last couple of years the Operating Margin of JFIN has remained more or less at the same level.
With a decent Gross Margin value of 63.20%, JFIN is doing good in the industry, outperforming 67.31% of the companies in the same industry.
In the last couple of years the Gross Margin of JFIN has declined.
Industry RankSector Rank
OM 24.37%
PM (TTM) 23.74%
GM 63.2%
OM growth 3Y1.61%
OM growth 5Y0.5%
PM growth 3Y6.86%
PM growth 5Y2.26%
GM growth 3Y-8.16%
GM growth 5Y-5.99%
JFIN Yearly Profit, Operating, Gross MarginsJFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 0 50 -50

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9

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), JFIN is creating value.
The number of shares outstanding for JFIN has been increased compared to 1 year ago.
JFIN has more shares outstanding than it did 5 years ago.
JFIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
JFIN Yearly Shares OutstandingJFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
JFIN Yearly Total Debt VS Total AssetsJFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B

2.2 Solvency

An Altman-Z score of 3.67 indicates that JFIN is not in any danger for bankruptcy at the moment.
JFIN's Altman-Z score of 3.67 is amongst the best of the industry. JFIN outperforms 90.38% of its industry peers.
There is no outstanding debt for JFIN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.67
ROIC/WACC3.62
WACC7.54%
JFIN Yearly LT Debt VS Equity VS FCFJFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 1B -1B 2B -2B

2.3 Liquidity

JFIN has a Current Ratio of 3.73. This indicates that JFIN is financially healthy and has no problem in meeting its short term obligations.
JFIN's Current ratio of 3.73 is amongst the best of the industry. JFIN outperforms 80.77% of its industry peers.
A Quick Ratio of 3.73 indicates that JFIN has no problem at all paying its short term obligations.
JFIN's Quick ratio of 3.73 is amongst the best of the industry. JFIN outperforms 82.69% of its industry peers.
Industry RankSector Rank
Current Ratio 3.73
Quick Ratio 3.73
JFIN Yearly Current Assets VS Current LiabilitesJFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 85.14% over the past year.
JFIN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.65% yearly.
JFIN shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.94%.
The Revenue has been growing by 24.67% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)85.14%
EPS 3Y-8.65%
EPS 5YN/A
EPS Q2Q%-3.76%
Revenue 1Y (TTM)36.94%
Revenue growth 3Y-14.83%
Revenue growth 5Y24.67%
Sales Q2Q%27.03%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
JFIN Yearly Revenue VS EstimatesJFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B
JFIN Yearly EPS VS EstimatesJFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.28, which indicates a very decent valuation of JFIN.
Based on the Price/Earnings ratio, JFIN is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
JFIN is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.28
Fwd PE N/A
JFIN Price Earnings VS Forward Price EarningsJFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

88.46% of the companies in the same industry are more expensive than JFIN, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as JFIN.
Industry RankSector Rank
P/FCF 10.68
EV/EBITDA 2.57
JFIN Per share dataJFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

The excellent profitability rating of JFIN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.44%, JFIN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.03, JFIN pays a better dividend. On top of this JFIN pays more dividend than 96.15% of the companies listed in the same industry.
JFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 8.44%

5.2 History

JFIN is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
JFIN Yearly Dividends per shareJFIN Yearly Dividends per shareYearly Dividends per share 2023 2024 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
JFIN Yearly Income VS Free CF VS DividendJFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B

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JIAYIN GROUP INC-ADR

NASDAQ:JFIN (2/21/2025, 8:00:02 PM)

9.94

-0.43 (-4.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A N/A
Earnings (Next)03-28 2025-03-28
Inst Owners1%
Inst Owner Change-98.22%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap527.14M
Analysts82.86
Price TargetN/A
Short Float %0.56%
Short Ratio0.3
Dividend
Industry RankSector Rank
Dividend Yield 8.44%
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 8.28
Fwd PE N/A
P/S 0.7
P/FCF 10.68
P/OCF 9.82
P/B 1.61
P/tB 1.61
EV/EBITDA 2.57
EPS(TTM)1.2
EY12.07%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.93
FCFY9.36%
OCF(TTM)1.01
OCFY10.19%
SpS14.21
BVpS6.19
TBVpS6.19
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 22.99%
ROE 54.47%
ROCE 31.72%
ROIC 27.32%
ROICexc 29.96%
ROICexgc 29.98%
OM 24.37%
PM (TTM) 23.74%
GM 63.2%
FCFM 6.55%
ROA(3y)36.88%
ROA(5y)46.81%
ROE(3y)614.54%
ROE(5y)N/A
ROIC(3y)64.66%
ROIC(5y)122.54%
ROICexc(3y)109.04%
ROICexc(5y)N/A
ROICexgc(3y)109.65%
ROICexgc(5y)N/A
ROCE(3y)75.06%
ROCE(5y)142.25%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y1.61%
OM growth 5Y0.5%
PM growth 3Y6.86%
PM growth 5Y2.26%
GM growth 3Y-8.16%
GM growth 5Y-5.99%
F-Score5
Asset Turnover0.97
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 333.39%
Cap/Sales 0.58%
Interest Coverage 250
Cash Conversion 29.03%
Profit Quality 27.59%
Current Ratio 3.73
Quick Ratio 3.73
Altman-Z 3.67
F-Score5
WACC7.54%
ROIC/WACC3.62
Cap/Depr(3y)175.47%
Cap/Depr(5y)137.19%
Cap/Sales(3y)0.42%
Cap/Sales(5y)0.51%
Profit Quality(3y)25.31%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)85.14%
EPS 3Y-8.65%
EPS 5YN/A
EPS Q2Q%-3.76%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)36.94%
Revenue growth 3Y-14.83%
Revenue growth 5Y24.67%
Sales Q2Q%27.03%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y12.73%
EBIT growth 3Y64%
EBIT growth 5Y14.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y208.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y191.63%
OCF growth 3YN/A
OCF growth 5YN/A