JFIN Fundamental Analysis - JIAYIN GROUP INC-ADR

Fundamental Rating

We assign a fundamental rating of 6 out of 10 to JFIN. JFIN was compared to 52 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 correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year JFIN was profitable.

JFIN had positive earnings in each of the past 5 years.

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 20.69%, JFIN belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

The Return On Equity of JFIN (36.09%) is better than 96.15% of its industry peers.

Looking at the Return On Invested Capital, with a value of 30.92%, JFIN belongs to the top of the industry, outperforming 94.23% of the companies in the same industry.

The Average Return On Invested Capital over the past 3 years for JFIN is significantly above the industry average of 10.31%.

The 3 year average ROIC (37.51%) for JFIN is well above the current ROIC(30.92%). The reason for the recent decline needs to be investigated.

		Industry Rank	Sector Rank
ROA	20.69%
ROE	36.09%
ROIC	30.92%

ROA(3y)27.19%

ROA(5y)35.66%

ROE(3y)61.04%

ROE(5y)N/A

ROIC(3y)37.51%

ROIC(5y)91.73%

1.3 Margins

The Profit Margin of JFIN (21.68%) is better than 86.54% of its industry peers.

JFIN's Profit Margin has declined in the last couple of years.

Looking at the Operating Margin, with a value of 25.21%, JFIN belongs to the top of the industry, outperforming 82.69% of the companies in the same industry.

JFIN's Operating Margin has declined in the last couple of years.

The Gross Margin of JFIN (72.10%) is better than 65.38% of its industry peers.

In the last couple of years the Gross Margin of JFIN has declined.

		Industry Rank	Sector Rank
OM	25.21%
PM (TTM)	21.68%
GM	72.1%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, JFIN has less shares outstanding

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.

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACC4.1

WACC7.54%

2.3 Liquidity

JFIN has a Current Ratio of 1.97. This is a normal value and indicates that JFIN is financially healthy and should not expect problems in meeting its short term obligations.

With a decent Current ratio value of 1.97, JFIN is doing good in the industry, outperforming 71.15% of the companies in the same industry.

A Quick Ratio of 1.97 indicates that JFIN should not have too much problems paying its short term obligations.

The Quick ratio of JFIN (1.97) is better than 71.15% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.97
Quick Ratio	1.97

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.98% over the past year.

The Earnings Per Share has been growing by 14.64% on average over the past years. This is quite good.

The Revenue has been growing slightly by 4.83% in the past year.

The Revenue has been growing by 21.07% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)2.98%

EPS 3Y31.61%

EPS 5Y14.64%

EPS Q2Q%96.12%

Revenue 1Y (TTM)4.83%

Revenue growth 3Y48.25%

Revenue growth 5Y21.07%

Sales Q2Q%19.99%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 5.36, 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 90.38% of the companies in the same industry.

When comparing the Price/Earnings ratio of JFIN to the average of the S&P500 Index (27.30), we can say JFIN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	5.36
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, JFIN is valued cheaper than 82.69% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	4.56

4.3 Compensation for Growth

The decent profitability rating of JFIN may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.37

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

JFIN has a Yearly Dividend Yield of 4.78%, which is a nice return.

Compared to an average industry Dividend Yield of 3.55, JFIN pays a better dividend. On top of this JFIN pays more dividend than 86.54% 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 2.37.

		Industry Rank	Sector Rank
Dividend Yield	4.78%

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

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JIAYIN GROUP INC-ADR

NASDAQ:JFIN (7/8/2025, 8:00:02 PM)

Premarket: 18.53 0 (0%)

18.53

+0.34 (+1.87%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)06-06 2025-06-06

Earnings (Next)08-27 2025-08-27

Inst Owners2.91%

Inst Owner Change0%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap988.94M

Analysts82.86

Price TargetN/A

Short Float %1.72%

Short Ratio0.68

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.78%

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 Rank	Sector Rank
PE	5.36
Fwd PE	N/A
P/S	1.16
P/FCF	N/A
P/OCF	N/A
P/B	1.94
P/tB	1.94
EV/EBITDA	4.56

EPS(TTM)3.46

EY18.67%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS15.93

BVpS9.57

TBVpS9.57

PEG (NY)N/A

PEG (5Y)0.37

Profitability

		Industry Rank	Sector Rank
ROA	20.69%
ROE	36.09%
ROCE	37.36%
ROIC	30.92%
ROICexc	30.92%
ROICexgc	30.92%
OM	25.21%
PM (TTM)	21.68%
GM	72.1%
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%

ROICexcg growth 3Y-49%

ROICexcg 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 Turnover0.95

Health

		Industry Rank	Sector 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	1.97
Quick Ratio	1.97
Altman-Z	N/A

F-ScoreN/A

WACC7.54%

ROIC/WACC4.1

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)2.98%

EPS 3Y31.61%

EPS 5Y14.64%

EPS Q2Q%96.12%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.83%

Revenue growth 3Y48.25%

Revenue growth 5Y21.07%

Sales Q2Q%19.99%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y18.38%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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