JIAYIN GROUP INC-ADR (JFIN) Fundamental Analysis & Valuation

NASDAQ:JFIN • US47737C1045

Current stock price

4.71 USD
+0.09 (+1.95%)
At close:
4.8 USD
+0.09 (+1.91%)
After Hours:

This JFIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. JFIN Profitability Analysis

1.1 Basic Checks

  • In the past year JFIN was profitable.
  • In the past 5 years JFIN has always been profitable.
  • Of the past 5 years JFIN 4 years had a positive operating cash flow.
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 2025 0 500M -500M 1B 1.5B

1.2 Ratios

  • The Return On Assets of JFIN (17.54%) is better than 96.30% of its industry peers.
  • JFIN's Return On Equity of 34.66% is amongst the best of the industry. JFIN outperforms 90.74% of its industry peers.
  • JFIN has a better Return On Invested Capital (23.78%) than 92.59% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for JFIN is significantly above the industry average of 9.54%.
Industry RankSector Rank
ROA 17.54%
ROE 34.66%
ROIC 23.78%
ROA(3y)20.02%
ROA(5y)29.54%
ROE(3y)40.96%
ROE(5y)382.41%
ROIC(3y)26.1%
ROIC(5y)47.3%
JFIN Yearly ROA, ROE, ROICJFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1K -1K -2K -3K

1.3 Margins

  • With an excellent Profit Margin value of 24.68%, JFIN belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
  • In the last couple of years the Profit Margin of JFIN has grown nicely.
  • With a decent Operating Margin value of 28.89%, JFIN is doing good in the industry, outperforming 77.78% of the companies in the same industry.
  • In the last couple of years the Operating Margin of JFIN has grown nicely.
  • Looking at the Gross Margin, with a value of 80.14%, JFIN is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
  • JFIN's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 28.89%
PM (TTM) 24.68%
GM 80.14%
OM growth 3Y-7.19%
OM growth 5Y4.45%
PM growth 3Y-11.87%
PM growth 5Y4.88%
GM growth 3Y-1.05%
GM growth 5Y-0.36%
JFIN Yearly Profit, Operating, Gross MarginsJFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. JFIN Health Analysis

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.
  • The number of shares outstanding for JFIN has been reduced compared to 5 years ago.
  • JFIN has a worse debt/assets ratio than last year.
JFIN Yearly Shares OutstandingJFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B

2.2 Solvency

  • A Debt/Equity ratio of 0.15 indicates that JFIN is not too dependend on debt financing.
  • JFIN has a better Debt to Equity ratio (0.15) than 87.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC3.15
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 2025 0 2B -2B 4B

2.3 Liquidity

  • JFIN has a Current Ratio of 2.53. This indicates that JFIN is financially healthy and has no problem in meeting its short term obligations.
  • JFIN's Current ratio of 2.53 is fine compared to the rest of the industry. JFIN outperforms 75.93% of its industry peers.
  • JFIN has a Quick Ratio of 2.53. This indicates that JFIN is financially healthy and has no problem in meeting its short term obligations.
  • JFIN has a Quick ratio of 2.53. This is in the better half of the industry: JFIN outperforms 75.93% of its industry peers.
Industry RankSector Rank
Current Ratio 2.53
Quick Ratio 2.53
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 2025 2B 4B 6B

More info and screens

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

5

3. JFIN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 46.83% over the past year.
  • JFIN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 44.42% yearly.
  • JFIN shows a small growth in Revenue. In the last year, the Revenue has grown by 7.28%.
  • JFIN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 36.77% yearly.
EPS 1Y (TTM)46.83%
EPS 3Y10.29%
EPS 5Y44.42%
EPS Q2Q%-62.45%
Revenue 1Y (TTM)7.28%
Revenue growth 3Y23.9%
Revenue growth 5Y36.77%
Sales Q2Q%-22.02%

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 2025 2B 4B 6B
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

3

4. JFIN Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.14, the valuation of JFIN can be described as very cheap.
  • JFIN's Price/Earnings ratio is rather cheap when compared to the industry. JFIN is cheaper than 98.15% of the companies in the same industry.
  • JFIN is valuated cheaply when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.14
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
JFIN Per share dataJFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The excellent profitability rating of JFIN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.03
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

5

5. JFIN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 27.75%, JFIN is a good candidate for dividend investing.
  • In the last 3 months the price of JFIN has falen by -28.64%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 3.12, 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 1.82.
Industry RankSector Rank
Dividend Yield 27.75%

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 Years0
Div Non Decr Years0
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 2025 0 500M 1B 1.5B

More info and screens

Find the best dividend stocksShow peers with best dividend

JFIN Fundamentals: All Metrics, Ratios and Statistics

JIAYIN GROUP INC-ADR

NASDAQ:JFIN (4/28/2026, 4:30:03 PM)

After market: 4.8 +0.09 (+1.91%)

4.71

+0.09 (+1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-31
Earnings (Next)06-02
Inst Owners4.29%
Inst Owner Change0.96%
Ins Owners20.69%
Ins Owner Change0%
Market Cap251.37M
Revenue(TTM)6.22B
Net Income(TTM)1.54B
Analysts82.86
Price TargetN/A
Short Float %2.2%
Short Ratio1.77
Dividend
Industry RankSector Rank
Dividend Yield 27.75%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
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 1.14
Fwd PE N/A
P/S 0.28
P/FCF N/A
P/OCF N/A
P/B 0.39
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)4.14
EY87.9%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.09
BVpS12.17
TBVpS12.17
PEG (NY)N/A
PEG (5Y)0.03
Graham Number33.6686 (614.83%)
Profitability
Industry RankSector Rank
ROA 17.54%
ROE 34.66%
ROCE 29.09%
ROIC 23.78%
ROICexc 24.02%
ROICexgc 24.3%
OM 28.89%
PM (TTM) 24.68%
GM 80.14%
FCFM N/A
ROA(3y)20.02%
ROA(5y)29.54%
ROE(3y)40.96%
ROE(5y)382.41%
ROIC(3y)26.1%
ROIC(5y)47.3%
ROICexc(3y)27.01%
ROICexc(5y)72.62%
ROICexgc(3y)29.59%
ROICexgc(5y)74.51%
ROCE(3y)31.92%
ROCE(5y)57.85%
ROICexgc growth 3Y-29.17%
ROICexgc growth 5YN/A
ROICexc growth 3Y-29.41%
ROICexc growth 5YN/A
OM growth 3Y-7.19%
OM growth 5Y4.45%
PM growth 3Y-11.87%
PM growth 5Y4.88%
GM growth 3Y-1.05%
GM growth 5Y-0.36%
F-ScoreN/A
Asset Turnover0.71
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.53
Quick Ratio 2.53
Altman-Z N/A
F-ScoreN/A
WACC7.54%
ROIC/WACC3.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)46.83%
EPS 3Y10.29%
EPS 5Y44.42%
EPS Q2Q%-62.45%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.28%
Revenue growth 3Y23.9%
Revenue growth 5Y36.77%
Sales Q2Q%-22.02%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y44.13%
EBIT growth 3Y14.99%
EBIT growth 5Y42.85%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

JIAYIN GROUP INC-ADR / JFIN Fundamental Analysis 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 3 / 10 to JIAYIN GROUP INC-ADR (JFIN). This can be considered as Overvalued.


What is the profitability of JFIN stock?

JIAYIN GROUP INC-ADR (JFIN) has a profitability rating of 8 / 10.


What is the valuation of JIAYIN GROUP INC-ADR based on its PE and PB ratios?

The Price/Earnings (PE) ratio for JIAYIN GROUP INC-ADR (JFIN) is 1.14 and the Price/Book (PB) ratio is 0.39.