Overview Dividends

(JFIN) Jiayin - Ratings and Ratios

Exchange: NASDAQ • Country: China • Currency: USD • Type: Common Stock • ISIN: US47737C1045

Online Loans, Consumer Finance

JFIN EPS (Earnings per Share)

EPS Growth (3Y CAGR): 31.70%
EPS Trend (3Y Correlation): 5.7%

JFIN Revenue

Revenue Growth (3Y CAGR): 32.94%
Revenue Trend (3Y Correlation): 87.5%

Description: JFIN Jiayin

Jiayin Group Inc. is a Chinese fintech company that connects individual borrowers with financial institutions through its online platform, offering a range of financial services including loan products, guarantee services, and investment product referrals. The companys business model is centered around facilitating consumer finance in China, leveraging its technology to streamline lending processes and provide access to financial services for individuals.

As a leading player in Chinas fintech industry, Jiayin Group Inc. has demonstrated significant growth and profitability since its founding in 2011. With its headquarters in Shanghai, the company has established itself as a major force in the countrys consumer finance sector, operating under the umbrella of New Dream Capital Holdings Limited. Its online platform enables the company to reach a wide customer base, providing a range of financial products and services that cater to diverse consumer needs.

Analyzing the companys , we observe that the stock has shown a significant upward trend, with its 52-week high at $18.91 and a current price of $15.83. The SMA20 and SMA50 indicators suggest a potential bullish crossover, indicating a possible upward momentum in the stock price. Furthermore, the ATR of 1.11 (7.03% of the current price) suggests moderate volatility, which may present trading opportunities.

From a fundamental perspective, Jiayin Group Inc.s reveals a market capitalization of $969.73M USD, with a P/E ratio of 5.26 and a forward P/E of 1.76. The companys RoE of 35.72% indicates strong profitability. Considering these metrics, we can forecast that Jiayin Group Inc. is likely to continue its growth trajectory, driven by the increasing demand for consumer finance services in China. With its strong financial performance and expanding market presence, the companys stock price may potentially reach $20-$22 in the near term, based on the bullish technical indicators and favorable fundamental data.

Our forecast is based on a comprehensive analysis of the companys technical and fundamental data. We expect Jiayin Group Inc. to maintain its momentum, driven by the growth of Chinas fintech industry and the companys strong market position. As the company continues to expand its services and improve its profitability, we anticipate a potential price target of $25-$28 in the long term, subject to market conditions and the companys continued financial performance.

JFIN Stock Overview

Market Cap in USD	709m
Sub-Industry	Consumer Finance
IPO / Inception	2019-05-10

JFIN Stock Ratings

Growth Rating	78.1%
Fundamental	86.1%
Dividend Rating	83.7%
Return 12m vs S&P 500	119%
Analyst Rating	-

JFIN Dividends

Dividend Yield 12m	6.97%
Yield on Cost 5y	24.92%
Annual Growth 5y	50.00%
Payout Consistency	100.0%
Payout Ratio	5.0%

JFIN Growth Ratios

Growth Correlation 3m	-63.5%
Growth Correlation 12m	91.4%
Growth Correlation 5y	70.3%
CAGR 5y	32.79%
CAGR/Max DD 5y	0.37
Sharpe Ratio 12m	0.42
Alpha	139.07
Beta	0.776
Volatility	70.47%
Current Volume	225.3k
Average Volume 20d	76.7k
Stop Loss	12.2 (-7.4%)
Signal	-1.06

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (1.32b TTM) > 0 and > 6% of Revenue (6% = 366.1m TTM)

FCFTA 0.11 (>2.0%) and ΔFCFTA 3.80pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 36.24% (prev 49.56%; Δ -13.31pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.22 (>3.0%) and CFO 1.43b > Net Income 1.32b (YES >=105%, WARN >=100%)

Net Debt (-143.1m) to EBITDA (1.58b) ratio: -0.09 <= 3.0 (WARN <= 3.5)

Current Ratio 1.91 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (53.4m) change vs 12m ago 0.64% (target <= -2.0% for YES)

Gross Margin 72.10% (prev 58.69%; Δ 13.41pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 105.6% (prev 112.8%; Δ -7.17pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM)

Altman Z'' 6.09

(A) 0.35 = (Total Current Assets 4.65b - Total Current Liabilities 2.43b) / Total Assets 6.39b

(B) 0.35 = Retained Earnings (Balance) 2.24b / Total Assets 6.39b

(D) 0.82 = Book Value of Equity 2.25b / Total Liabilities 2.73b

Total Rating: 6.09 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 86.10

1. Piotroski 6.50pt = 1.50

2. FCF Yield 9.02% = 4.51

3. FCF Margin 11.25% = 2.81

4. Debt/Equity 0.74 = 2.23

5. Debt/Ebitda 1.73 = 0.53

6. ROIC - WACC 34.86% = 12.50

7. RoE 42.68% = 2.50

8. Rev. Trend 87.50% = 4.37

9. Rev. CAGR 32.94% = 2.50

10. EPS Trend 5.72% = 0.14

11. EPS CAGR 31.70% = 2.50

What is the price of JFIN shares?

As of August 30, 2025, the stock is trading at USD 13.18 with a total of 225,257 shares traded.
Over the past week, the price has changed by -0.75%, over one month by -7.83%, over three months by +5.34% and over the past year by +157.94%.

Is Jiayin a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Jiayin (NASDAQ:JFIN) is currently (August 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 86.10 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of JFIN is around 16.96 USD . This means that JFIN is currently undervalued and has a potential upside of +28.68% (Margin of Safety).

Is JFIN a buy, sell or hold?

Jiayin has no consensus analysts rating.

What are the forecasts/targets for the JFIN price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	11.3	-14.2%
Analysts Target Price	11.3	-14.2%
ValueRay Target Price	18.5	40%

Last update: 2025-08-23 02:49

JFIN Fundamental Data Overview

Market Cap CNY = 5.07b (708.7m USD * 7.1536 USD.CNY)
CCE Cash And Equivalents = 190.3m CNY (Cash And Short Term Investments, last quarter)
P/E Trailing = 3.8382
P/E Forward = 1.7634
P/S = 0.1089
P/B = 1.2803
Beta = 0.999
Revenue TTM = 6.10b CNY
EBIT TTM = 1.56b CNY
EBITDA TTM = 1.58b CNY
Long Term Debt = 293.6m CNY (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 2.43b CNY (from totalCurrentLiabilities, last quarter)
Debt = 2.73b CNY (Calculated: Short Term 2.43b + Long Term 293.6m)
Net Debt = -143.1m CNY (from netDebt column, last quarter)
Enterprise Value = 7.61b CNY (5.07b + Debt 2.73b - CCE 190.3m)
Interest Coverage Ratio = unknown (Ebit TTM 1.56b / Interest Expense TTM 0.0)
FCF Yield = 9.02% (FCF TTM 686.4m / Enterprise Value 7.61b)
FCF Margin = 11.25% (FCF TTM 686.4m / Revenue TTM 6.10b)
Net Margin = 21.68% (Net Income TTM 1.32b / Revenue TTM 6.10b)
Gross Margin = 72.10% ((Revenue TTM 6.10b - Cost of Revenue TTM 1.70b) / Revenue TTM)
Tobins Q-Ratio = 3.38 (Enterprise Value 7.61b / Book Value Of Equity 2.25b)
Interest Expense / Debt = 0.03% (Interest Expense 943.0k / Debt 2.73b)
Taxrate = 18.44% (from yearly Income Tax Expense: 238.9m / 1.30b)
NOPAT = 1.27b (EBIT 1.56b * (1 - 18.44%))
Current Ratio = 1.91 (Total Current Assets 4.65b / Total Current Liabilities 2.43b)
Debt / Equity = 0.74 (Debt 2.73b / last Quarter total Stockholder Equity 3.67b)
Debt / EBITDA = 1.73 (Net Debt -143.1m / EBITDA 1.58b)
Debt / FCF = 3.97 (Debt 2.73b / FCF TTM 686.4m)
Total Stockholder Equity = 3.10b (last 4 quarters mean)
RoA = 20.69% (Net Income 1.32b, Total Assets 6.39b )
RoE = 42.68% (Net Income TTM 1.32b / Total Stockholder Equity 3.10b)
RoCE = 45.96% (Ebit 1.56b / (Equity 3.10b + L.T.Debt 293.6m))
RoIC = 40.64% (NOPAT 1.27b / Invested Capital 3.13b)
WACC = 5.78% (E(5.07b)/V(7.80b) * Re(8.87%)) + (D(2.73b)/V(7.80b) * Rd(0.03%) * (1-Tc(0.18)))
Shares Correlation 5-Years: -20.0 | Cagr: -0.30%
Discount Rate = 8.87% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 78.80% ; FCFE base≈555.0m ; Y1≈684.7m ; Y5≈1.17b
Fair Price DCF = 645.0 (DCF Value 17.01b / Shares Outstanding 26.4m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 87.50 | Revenue CAGR: 32.94%
Rev Growth-of-Growth: -29.21
EPS Correlation: 5.72 | EPS CAGR: 31.70%
EPS Growth-of-Growth: 6.30

Additional Sources for JFIN Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle