(JFIN) Jiayin - Overview
Stock: Online Loans, Guarantee Services, Referrals, Tech Development
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.65% |
| Yield on Cost 5y | 25.40% |
| Yield CAGR 5y | 41.42% |
| Payout Consistency | 97.2% |
| Payout Ratio | 3.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 57.6% |
| Relative Tail Risk | -10.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.14 |
| Alpha | -36.39 |
| Character TTM | |
|---|---|
| Beta | 1.102 |
| Beta Downside | 1.661 |
| Drawdowns 3y | |
|---|---|
| Max DD | 67.89% |
| CAGR/Max DD | 0.56 |
Description: JFIN Jiayin December 24, 2025
Jiayin Group Inc. (NASDAQ:JFIN) operates a fintech platform in China that matches individual borrowers with banks and other financial institutions. Its product suite includes fixed-term consumer loans, guarantee and referral services for third-party investment products, as well as technology and commercial support for its ecosystem partners. Founded in 2011 and headquartered in Shanghai, Jiayin is a subsidiary of New Dream Capital Holdings Limited and is classified under the Consumer Finance sub-industry.
Recent filings indicate that Jiayin generated roughly $150 million in revenue for FY 2023, with loan origination volumes exceeding $1.2 billion and a non-performing loan (NPL) ratio of about 2.3 %-both metrics that sit near the median for Chinese online consumer lenders. The company’s growth is tied to macro-level drivers such as China’s expanding middle-class credit demand (consumer credit growth ≈ 9 % YoY) and the continued digitalization of financial services, while regulatory tightening on fintech lending (e.g., the 2022 “Internet Finance” crackdown) represents a material risk to its operating model.
For a deeper quantitative view of Jiayin’s performance and risk profile, you may want to explore the company’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 1.71b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 1.86 > 1.0 |
| NWC/Revenue: 47.74% < 20% (prev 48.19%; Δ -0.45% < -1%) |
| CFO/TA 0.18 > 3% & CFO 1.43b > Net Income 1.71b |
| Net Debt (-88.2m) to EBITDA (1.70b): -0.05 < 3 |
| Current Ratio: 2.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (51.3m) vs 12m ago -3.49% < -2% |
| Gross Margin: 80.92% > 18% (prev 0.58%; Δ 8035 % > 0.5%) |
| Asset Turnover: 99.37% > 50% (prev 114.3%; Δ -14.92% > 0%) |
| Interest Coverage Ratio: -44.25 > 6 (EBITDA TTM 1.70b / Interest Expense TTM -47.4m) |
Altman Z'' 6.31
| A: 0.39 (Total Current Assets 6.10b - Total Current Liabilities 2.98b) / Total Assets 7.91b |
| B: 0.28 (Retained Earnings 2.24b / Total Assets 7.91b) |
| C: 0.32 (EBIT TTM 2.10b / Avg Total Assets 6.58b) |
| D: 0.62 (Book Value of Equity 2.25b / Total Liabilities 3.61b) |
| Altman-Z'' Score: 6.31 = AAA |
Beneish M -2.89
| DSRI: 1.30 (Receivables 4.71b/3.33b, Revenue 6.54b/6.00b) |
| GMI: 0.71 (GM 80.92% / 57.79%) |
| AQI: 1.09 (AQ_t 0.05 / AQ_t-1 0.05) |
| SGI: 1.09 (Revenue 6.54b / 6.00b) |
| TATA: 0.04 (NI 1.71b - CFO 1.43b) / TA 7.91b) |
| Beneish M-Score: -2.89 (Cap -4..+1) = A |
What is the price of JFIN shares?
Over the past week, the price has changed by -4.09%, over one month by -3.06%, over three months by -28.23% and over the past year by -33.06%.
Is JFIN a buy, sell or hold?
What are the forecasts/targets for the JFIN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 11.3 | 78.7% |
| Analysts Target Price | 11.3 | 78.7% |
| ValueRay Target Price | 8.1 | 28.4% |
JFIN Fundamental Data Overview February 04, 2026
P/E Trailing = 0.6545
P/E Forward = 1.7634
P/S = 0.0541
P/B = 0.5932
Revenue TTM = 6.54b CNY
EBIT TTM = 2.10b CNY
EBITDA TTM = 1.70b CNY
Long Term Debt = 35.9m CNY (from capitalLeaseObligations, last quarter)
Short Term Debt = unknown (none)
Debt = 35.9m CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = -88.2m CNY (from netDebt column, last quarter)
Enterprise Value = 2.37b CNY (2.46b + Debt 35.9m - CCE 124.2m)
Interest Coverage Ratio = -44.25 (Ebit TTM 2.10b / Interest Expense TTM -47.4m)
EV/FCF = 3.45x (Enterprise Value 2.37b / FCF TTM 686.4m)
FCF Yield = 28.98% (FCF TTM 686.4m / Enterprise Value 2.37b)
FCF Margin = 10.50% (FCF TTM 686.4m / Revenue TTM 6.54b)
Net Margin = 26.17% (Net Income TTM 1.71b / Revenue TTM 6.54b)
Gross Margin = 80.92% ((Revenue TTM 6.54b - Cost of Revenue TTM 1.25b) / Revenue TTM)
Gross Margin QoQ = 80.51% (prev 84.89%)
Tobins Q-Ratio = 0.30 (Enterprise Value 2.37b / Total Assets 7.91b)
Interest Expense / Debt = 2.62% (Interest Expense 943.0k / Debt 35.9m)
Taxrate = 19.18% (89.3m / 465.8m)
NOPAT = 1.69b (EBIT 2.10b * (1 - 19.18%))
Current Ratio = 2.05 (Total Current Assets 6.10b / Total Current Liabilities 2.98b)
Debt / Equity = 0.01 (Debt 35.9m / totalStockholderEquity, last quarter 4.30b)
Debt / EBITDA = -0.05 (Net Debt -88.2m / EBITDA 1.70b)
Debt / FCF = -0.13 (Net Debt -88.2m / FCF TTM 686.4m)
Total Stockholder Equity = 3.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 26.01% (Net Income 1.71b / Total Assets 7.91b)
RoE = 45.63% (Net Income TTM 1.71b / Total Stockholder Equity 3.75b)
RoCE = 55.36% (EBIT 2.10b / Capital Employed (Equity 3.75b + L.T.Debt 35.9m))
RoIC = 54.12% (NOPAT 1.69b / Invested Capital 3.13b)
WACC = 9.87% (E(2.46b)/V(2.49b) * Re(9.98%) + D(35.9m)/V(2.49b) * Rd(2.62%) * (1-Tc(0.19)))
Discount Rate = 9.98% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.94%
[DCF Debug] Terminal Value 75.44% ; FCFF base≈555.0m ; Y1≈684.7m ; Y5≈1.17b
Fair Price DCF = 544.2 (EV 14.26b - Net Debt -88.2m = Equity 14.35b / Shares 26.4m; r=9.87% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 20.48 | EPS CAGR: -59.94% | SUE: 0.0 | # QB: 0
Revenue Correlation: 83.14 | Revenue CAGR: 44.66% | SUE: 3.13 | # QB: 5