JIAYIN GROUP INC-ADR (JFIN) Stock Fundamental Analysis

NASDAQ:JFIN • US47737C1045

6.23 USD
-0.03 (-0.48%)
Last: Feb 13, 2026, 08:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, JFIN scores 6 out of 10 in our fundamental rating. JFIN was compared to 54 industry peers in the Consumer Finance industry. JFIN gets an excellent profitability rating and is at the same time showing great financial health properties. JFIN is not valued too expensively and it also shows a decent growth rate. This makes JFIN very considerable for quality investing!


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year JFIN was profitable.
  • In the past 5 years JFIN has always been profitable.
  • 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 2024 0 500M -500M 1B

1.2 Ratios

  • JFIN has a better Return On Assets (22.05%) than 98.15% of its industry peers.
  • Looking at the Return On Equity, with a value of 41.21%, JFIN belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
  • The Return On Invested Capital of JFIN (36.34%) is better than 96.30% of its industry peers.
  • JFIN had an Average Return On Invested Capital over the past 3 years of 37.51%. This is significantly above the industry average of 12.09%.
Industry RankSector Rank
ROA 22.05%
ROE 41.21%
ROIC 36.34%
ROA(3y)27.19%
ROA(5y)35.66%
ROE(3y)61.04%
ROE(5y)N/A
ROIC(3y)37.51%
ROIC(5y)91.73%
JFIN Yearly ROA, ROE, ROICJFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1K -1K -2K -3K

1.3 Margins

  • The Profit Margin of JFIN (24.64%) is better than 83.33% of its industry peers.
  • JFIN's Profit Margin has declined in the last couple of years.
  • With an excellent Operating Margin value of 29.95%, JFIN belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
  • JFIN's Operating Margin has declined in the last couple of years.
  • JFIN's Gross Margin of 78.82% is fine compared to the rest of the industry. JFIN outperforms 70.37% of its industry peers.
  • JFIN's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 29.95%
PM (TTM) 24.64%
GM 78.82%
OM growth 3Y-3.93%
OM growth 5Y-2.14%
PM growth 3Y-11.78%
PM growth 5Y-5.11%
GM growth 3Y-7.15%
GM growth 5Y-4.3%
JFIN Yearly Profit, Operating, Gross MarginsJFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), JFIN is creating value.
  • JFIN has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, JFIN has less shares outstanding
  • 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.
JFIN Yearly Shares OutstandingJFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • JFIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC4.82
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 2024 0 1B -1B 2B -2B 3B

2.3 Liquidity

  • A Current Ratio of 1.87 indicates that JFIN should not have too much problems paying its short term obligations.
  • JFIN's Current ratio of 1.87 is fine compared to the rest of the industry. JFIN outperforms 70.37% of its industry peers.
  • A Quick Ratio of 1.87 indicates that JFIN should not have too much problems paying its short term obligations.
  • JFIN has a better Quick ratio (1.87) than 70.37% of its industry peers.
Industry RankSector Rank
Current Ratio 1.87
Quick Ratio 1.87
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 2024 1B 2B 3B 4B 5B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 34.04% over the past year.
  • Measured over the past years, JFIN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.64% on average per year.
  • JFIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.19%.
  • The Revenue has been growing by 21.07% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)34.04%
EPS 3Y31.61%
EPS 5Y14.64%
EPS Q2Q%119.64%
Revenue 1Y (TTM)8.19%
Revenue growth 3Y48.25%
Revenue growth 5Y21.07%
Sales Q2Q%27.78%

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 2024 1B 2B 3B 4B 5B
JFIN Yearly EPS VS EstimatesJFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2 4 6 8 10

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.44, which indicates a rather cheap valuation of JFIN.
  • Based on the Price/Earnings ratio, JFIN is valued cheaply inside the industry as 98.15% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, JFIN is valued rather cheaply.
Industry RankSector Rank
PE 1.44
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of JFIN indicates a rather cheap valuation: JFIN is cheaper than 87.04% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.17
JFIN Per share dataJFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • JFIN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • JFIN has a Yearly Dividend Yield of 21.27%, which is a nice return.
  • In the last 3 months the price of JFIN has falen by -28.56%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • JFIN's Dividend Yield is rather good when compared to the industry average which is at 2.77. JFIN pays more dividend than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.79, JFIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 21.27%

5.2 History

  • JFIN has been paying a dividend for less than 5 years, so it still needs to build a 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 2025 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 2024 0 500M 1B

More info and screens

Find the best dividend stocksShow peers with best dividend

JIAYIN GROUP INC-ADR

NASDAQ:JFIN (2/13/2026, 8:19:51 PM)

6.23

-0.03 (-0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-20
Earnings (Next)03-25
Inst Owners3.68%
Inst Owner Change4.25%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap332.49M
Revenue(TTM)6.51B
Net Income(TTM)1.60B
Analysts82.86
Price TargetN/A
Short Float %1.22%
Short Ratio0.47
Dividend
Industry RankSector Rank
Dividend Yield 21.27%
Yearly DividendN/A
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 1.44
Fwd PE N/A
P/S 0.35
P/FCF N/A
P/OCF N/A
P/B 0.59
P/tB 0.59
EV/EBITDA 1.17
EPS(TTM)4.33
EY69.5%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.68
BVpS10.57
TBVpS10.57
PEG (NY)N/A
PEG (5Y)0.1
Graham Number32.09
Profitability
Industry RankSector Rank
ROA 22.05%
ROE 41.21%
ROCE 43.9%
ROIC 36.34%
ROICexc 36.34%
ROICexgc 36.34%
OM 29.95%
PM (TTM) 24.64%
GM 78.82%
FCFM N/A
ROA(3y)27.19%
ROA(5y)35.66%
ROE(3y)61.04%
ROE(5y)N/A
ROIC(3y)37.51%
ROIC(5y)91.73%
ROICexc(3y)42.28%
ROICexc(5y)N/A
ROICexgc(3y)42.31%
ROICexgc(5y)N/A
ROCE(3y)45.31%
ROCE(5y)110.82%
ROICexgc growth 3Y-49%
ROICexgc growth 5Y-36.64%
ROICexc growth 3Y-48.87%
ROICexc growth 5Y-36.64%
OM growth 3Y-3.93%
OM growth 5Y-2.14%
PM growth 3Y-11.78%
PM growth 5Y-5.11%
GM growth 3Y-7.15%
GM growth 5Y-4.3%
F-ScoreN/A
Asset Turnover0.89
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.87
Quick Ratio 1.87
Altman-Z N/A
F-ScoreN/A
WACC7.54%
ROIC/WACC4.82
Cap/Depr(3y)1538.1%
Cap/Depr(5y)927.13%
Cap/Sales(3y)4.62%
Cap/Sales(5y)2.81%
Profit Quality(3y)34.13%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)34.04%
EPS 3Y31.61%
EPS 5Y14.64%
EPS Q2Q%119.64%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.19%
Revenue growth 3Y48.25%
Revenue growth 5Y21.07%
Sales Q2Q%27.78%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y68.55%
EBIT growth 3Y42.43%
EBIT growth 5Y18.47%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y91.6%
FCF growth 3Y55.69%
FCF growth 5YN/A
OCF growth 1Y265.77%
OCF growth 3Y97.66%
OCF growth 5Y122.23%

JIAYIN GROUP INC-ADR / JFIN FAQ

Can you provide the ChartMill fundamental rating for JIAYIN GROUP INC-ADR?

ChartMill assigns a fundamental rating of 6 / 10 to JFIN.


What is the valuation status of JIAYIN GROUP INC-ADR (JFIN) stock?

ChartMill assigns a valuation rating of 4 / 10 to JIAYIN GROUP INC-ADR (JFIN). This can be considered as Fairly Valued.


Can you provide the profitability details for JIAYIN GROUP INC-ADR?

JIAYIN GROUP INC-ADR (JFIN) has a profitability rating of 7 / 10.


What is the financial health of JIAYIN GROUP INC-ADR (JFIN) stock?

The financial health rating of JIAYIN GROUP INC-ADR (JFIN) is 7 / 10.