Logo image of JFIN

JIAYIN GROUP INC-ADR (JFIN) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:JFIN - US47737C1045 - ADR

6.79 USD
-0.22 (-3.14%)
Last: 1/16/2026, 8:00:02 PM
Fundamental Rating

6

Overall JFIN gets a fundamental rating of 6 out of 10. We evaluated JFIN against 53 industry peers in the Consumer Finance industry. JFIN has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. JFIN has a correct valuation and a medium growth rate. These ratings would make JFIN suitable 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 Return On Assets of 22.05%. This is amongst the best in the industry. JFIN outperforms 98.11% of its industry peers.
  • The Return On Equity of JFIN (41.21%) is better than 94.34% of its industry peers.
  • JFIN has a better Return On Invested Capital (36.34%) than 96.23% 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 12.42%.
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

  • With an excellent Profit Margin value of 24.64%, JFIN belongs to the best of the industry, outperforming 83.02% of the companies in the same industry.
  • In the last couple of years the Profit Margin of JFIN has declined.
  • JFIN's Operating Margin of 29.95% is amongst the best of the industry. JFIN outperforms 81.13% of its industry peers.
  • JFIN's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 78.82%, JFIN is in the better half of the industry, outperforming 69.81% of the companies in the same industry.
  • In the last couple of years the Gross Margin of JFIN has declined.
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

7

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so JFIN is creating value.
  • JFIN has less shares outstanding than it did 1 year ago.
  • JFIN has less 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 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

  • JFIN has a Current Ratio of 1.87. This is a normal value and indicates that JFIN is financially healthy and should not expect problems in meeting its short term obligations.
  • JFIN has a better Current ratio (1.87) than 69.81% of its industry peers.
  • JFIN has a Quick Ratio of 1.87. This is a normal value and indicates that JFIN is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.87, JFIN is in the better half of the industry, outperforming 69.81% of the companies in the same industry.
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

5

3. Growth

3.1 Past

  • JFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.04%, which is quite impressive.
  • The Earnings Per Share has been growing by 14.64% on average over the past years. This is quite good.
  • Looking at the last year, JFIN shows a quite strong growth in Revenue. The Revenue has grown by 8.19% in the last year.
  • 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

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.58 indicates a rather cheap valuation of JFIN.
  • Based on the Price/Earnings ratio, JFIN is valued cheaply inside the industry as 98.11% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.47. JFIN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.58
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

  • JFIN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. JFIN is cheaper than 86.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.32
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)0.11
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

  • JFIN has a Yearly Dividend Yield of 18.98%, which is a nice return.
  • The stock price of JFIN dropped by -29.64% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • JFIN's Dividend Yield is rather good when compared to the industry average which is at 2.60. JFIN pays more dividend than 100.00% of the companies in the same industry.
  • JFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 18.98%

5.2 History

  • JFIN has paid a dividend for less than 5 years, so there is no long track record yet.
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

JIAYIN GROUP INC-ADR

NASDAQ:JFIN (1/16/2026, 8:00:02 PM)

6.79

-0.22 (-3.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-20
Earnings (Next)03-25
Inst Owners3.68%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap362.38M
Revenue(TTM)6.51B
Net Income(TTM)1.60B
Analysts82.86
Price TargetN/A
Short Float %1.47%
Short Ratio0.58
Dividend
Industry RankSector Rank
Dividend Yield 18.98%
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 1.58
Fwd PE N/A
P/S 0.39
P/FCF N/A
P/OCF N/A
P/B 0.65
P/tB 0.65
EV/EBITDA 1.32
EPS(TTM)4.29
EY63.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.51
BVpS10.47
TBVpS10.47
PEG (NY)N/A
PEG (5Y)0.11
Graham Number31.79
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.