JIAYIN GROUP INC-ADR (JFIN)
US47737C1045 - ADR
Taking everything into account, JFIN scores 7 out of 10 in our fundamental rating. JFIN was compared to 51 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.
1. Profitability
1.1 Basic Checks
In the past year JFIN was profitable.
In the past year JFIN had a positive cash flow from operations.
In the past 5 years JFIN has always been profitable.
JFIN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of JFIN (22.99%) is better than 100.00% of its industry peers.
JFIN has a better Return On Equity (54.47%) than 98.04% of its industry peers.
The Return On Invested Capital of JFIN (27.32%) is better than 98.04% of its industry peers.
The Average Return On Invested Capital over the past 3 years for JFIN is significantly above the industry average of 7.49%.
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 Rank | Sector 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%
1.3 Margins
JFIN has a Profit Margin of 23.74%. This is amongst the best in the industry. JFIN outperforms 88.24% of its industry peers.
In the last couple of years the Profit Margin of JFIN has grown nicely.
JFIN has a Operating Margin of 24.37%. This is in the better half of the industry: JFIN outperforms 74.51% of its industry peers.
In the last couple of years the Operating Margin of JFIN has remained more or less at the same level.
Looking at the Gross Margin, with a value of 63.20%, JFIN is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
JFIN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
JFIN has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
JFIN has more shares outstanding than it did 1 year ago.
The number of shares outstanding for JFIN has been increased compared to 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.
2.2 Solvency
JFIN has an Altman-Z score of 3.37. This indicates that JFIN is financially healthy and has little risk of bankruptcy at the moment.
JFIN's Altman-Z score of 3.37 is amongst the best of the industry. JFIN outperforms 92.16% of its industry peers.
JFIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 3.37 |
ROIC/WACC3.62
WACC7.54%
2.3 Liquidity
A Current Ratio of 3.73 indicates that JFIN has no problem at all paying its short term obligations.
With an excellent Current ratio value of 3.73, JFIN belongs to the best of the industry, outperforming 82.35% of the companies in the same industry.
A Quick Ratio of 3.73 indicates that JFIN has no problem at all paying its short term obligations.
The Quick ratio of JFIN (3.73) is better than 84.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.73 | ||
| Quick Ratio | 3.73 |
3. Growth
3.1 Past
JFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 85.14%, which is quite impressive.
The Earnings Per Share has been decreasing by -8.65% on average over the past years.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.82, the valuation of JFIN can be described as very cheap.
94.12% of the companies in the same industry are more expensive than JFIN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.96, JFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.82 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, JFIN is valued cheaply inside the industry as 90.20% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of JFIN is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.2 | ||
| EV/EBITDA | 1.38 |
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
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 13.16%, JFIN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.08, JFIN pays a better dividend. On top of this JFIN pays more dividend than 100.00% 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 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.16% |
5.2 History
JFIN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
JIAYIN GROUP INC-ADR
NASDAQ:JFIN (11/21/2024, 8:00:02 PM)
5.78
-0.06 (-1.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap306.53M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.16% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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EPS NY rev (3m)
Revenue NQ rev (1m)
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Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.82 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 22.99% | ||
| ROE | 54.47% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 24.37% | ||
| PM (TTM) | 23.74% | ||
| GM | 63.2% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.97
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 3.73 | ||
| Quick Ratio | 3.73 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)85.14%
EPS 3Y-8.65%
EPS 5Y
EPS Q2Q%
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)36.94%
Revenue growth 3Y-14.83%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
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