JIAYIN GROUP INC-ADR (JFIN)
US47737C1045 - ADR
Overall JFIN gets a fundamental rating of 7 out of 10. We evaluated JFIN against 52 industry peers in the Consumer Finance industry. JFIN scores excellent points on both the profitability and health parts. This is a solid base for a good stock. JFIN is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
JFIN had positive earnings in the past year.
JFIN had a positive operating cash flow in the past year.
In the past 5 years JFIN has always been profitable.
Of the past 5 years JFIN 4 years had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 22.99%, JFIN belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
JFIN has a Return On Equity of 54.47%. This is amongst the best in the industry. JFIN outperforms 98.08% of its industry peers.
JFIN has a Return On Invested Capital of 27.32%. This is amongst the best in 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 7.32%.
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 better Profit Margin (23.74%) than 88.46% of its industry peers.
In the last couple of years the Profit Margin of JFIN has grown nicely.
JFIN has a better Operating Margin (24.37%) than 82.69% of its industry peers.
JFIN's Operating Margin has been stable in the last couple of years.
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.
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
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.
Compared to 5 years ago, JFIN has more shares outstanding
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 3.41. This indicates that JFIN is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of JFIN (3.41) is better than 88.46% 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 | 3.41 |
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.
Looking at the Current ratio, with a value of 3.73, JFIN belongs to the top of the industry, outperforming 80.77% of the companies in the same industry.
JFIN has a Quick Ratio of 3.73. This indicates that JFIN is financially healthy and has no problem in meeting its short term obligations.
JFIN has a better Quick ratio (3.73) than 82.69% 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%.
Measured over the past years, JFIN shows a very strong growth in Revenue. The Revenue has been growing by 24.67% on average per year.
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
A Price/Earnings ratio of 5.26 indicates a rather cheap valuation of JFIN.
Based on the Price/Earnings ratio, JFIN is valued cheaply inside the industry as 94.23% of the companies are valued more expensively.
JFIN is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.26 | ||
| Fwd PE | N/A |
4.2 Price Multiples
JFIN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. JFIN is cheaper than 88.46% of the companies in the same industry.
JFIN's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.77 | ||
| EV/EBITDA | 1.53 |
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 13.52%, JFIN is a good candidate for dividend investing.
JFIN's Dividend Yield is rather good when compared to the industry average which is at 4.49. JFIN pays more dividend than 98.08% of the companies in the same industry.
JFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.52% |
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 Years1
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
JIAYIN GROUP INC-ADR
NASDAQ:JFIN (12/20/2024, 8:20:01 PM)
6.26
-0.21 (-3.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners0.82%
Inst Owner Change30.8%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap331.98M
Analysts82.86
Price Target12.24 (95.53%)
Short Float %0.11%
Short Ratio0.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.52% |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.26 | ||
| Fwd PE | N/A | ||
| P/S | 0.44 | ||
| P/FCF | 6.77 | ||
| P/OCF | 6.22 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | 1.53 |
EPS(TTM)1.19
EY19.01%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.93
FCFY14.78%
OCF(TTM)1.01
OCFY16.08%
SpS14.12
BVpS6.15
TBVpS6.15
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.41 |
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