(JFIN) Jiayin - Ratings and Ratios
Online Loans, Guarantee Services, Investment Referrals, Tech Development
Dividends
| Dividend Yield | 11.11% |
| Yield on Cost 5y | 27.59% |
| Yield CAGR 5y | 125.00% |
| Payout Consistency | 100.0% |
| Payout Ratio | 3.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 54.8% |
| Value at Risk 5%th | 80.3% |
| Relative Tail Risk | -10.94% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.56 |
| Alpha | -0.22 |
| CAGR/Max DD | 0.99 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.483 |
| Beta | 1.020 |
| Beta Downside | 1.981 |
| Drawdowns 3y | |
|---|---|
| Max DD | 62.74% |
| Mean DD | 19.77% |
| Median DD | 18.40% |
Description: JFIN Jiayin October 21, 2025
Jiayin Group Inc. (NASDAQ:JFIN) operates a fintech platform in China that matches individual borrowers with banks and other financial institutions, offering fixed-term loans, guarantee and referral services, as well as technology and commercial support for its partners. The firm, founded in 2011 and headquartered in Shanghai, is a subsidiary of New Dream Capital Holdings Limited.
According to the most recent quarterly filing (Q2 2024), Jiayin reported an estimated loan origination volume of ¥4.2 billion (~US$580 million) and a net interest margin of roughly 3.1%, while its delinquency rate on newly originated loans hovered near 2.2%, slightly above the industry average of 1.8% for Chinese consumer-finance fintechs. The platform’s active borrower base is believed to be in the high-hundreds of thousands, but the company does not disclose precise user counts, so these figures are inferred from disclosed transaction volumes and average loan size.
Key macro-economic drivers for Jiayin include China’s modest consumer-credit growth (≈5% YoY in 2023) and the tightening regulatory environment that has forced many peer fintechs to curtail aggressive lending, potentially benefiting firms with tighter risk controls. Additionally, the broader shift toward digital payments and “buy-now-pay-later” solutions in the Chinese e-commerce sector creates cross-selling opportunities for consumer-finance platforms.
For a deeper, data-rich assessment of Jiayin’s valuation dynamics, you might find ValueRay’s analyst toolkit useful for drilling into its cash-flow assumptions and peer benchmarks.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (1.71b TTM) > 0 and > 6% of Revenue (6% = 392.2m TTM) |
| FCFTA 0.09 (>2.0%) and ΔFCFTA 1.86pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 47.74% (prev 48.19%; Δ -0.45pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.18 (>3.0%) and CFO 1.43b <= Net Income 1.71b (YES >=105%, WARN >=100%) |
| Net Debt (-488.8m) to EBITDA (1.25b) ratio: -0.39 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.05 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (NaN) change vs 12m ago NaN% (target <= -2.0% for YES) |
| Gross Margin 80.92% (prev 57.79%; Δ 23.13pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 99.37% (prev 114.3%; Δ -14.92pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -44.25 (EBITDA TTM 1.25b / Interest Expense TTM -47.4m) >= 6 (WARN >= 3) |
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 (Balance) 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 |
| Total Rating: 6.31 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 84.90
| 1. Piotroski 5.0pt |
| 2. FCF Yield 26.22% |
| 3. FCF Margin 10.50% |
| 4. Debt/Equity 0.01 |
| 5. Debt/Ebitda -0.39 |
| 6. ROIC - WACC (= 44.50)% |
| 7. RoE 45.63% |
| 8. Rev. Trend 83.14% |
| 9. EPS Trend 20.81% |
What is the price of JFIN shares?
Over the past week, the price has changed by +0.98%, over one month by -19.64%, over three months by -37.93% and over the past year by +20.23%.
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 | 57.1% |
| Analysts Target Price | 11.3 | 57.1% |
| ValueRay Target Price | 11 | 53.1% |
JFIN Fundamental Data Overview November 30, 2025
P/E Trailing = 0.7173
P/E Forward = 1.7634
P/S = 0.0582
P/B = 0.7011
Beta = 0.729
Revenue TTM = 6.54b CNY
EBIT TTM = 2.10b CNY
EBITDA TTM = 1.25b CNY
Long Term Debt = 35.9m CNY (from capitalLeaseObligations, last quarter)
Short Term Debt = unknown (none)
Debt = 51.7m CNY (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -488.8m CNY (from netDebt column, last fiscal year)
Enterprise Value = 2.62b CNY (2.69b + Debt 51.7m - CCE 124.2m)
Interest Coverage Ratio = -44.25 (Ebit TTM 2.10b / Interest Expense TTM -47.4m)
FCF Yield = 26.22% (FCF TTM 686.4m / Enterprise Value 2.62b)
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 = 0.33 (Enterprise Value 2.62b / Total Assets 7.91b)
Interest Expense / Debt = 1.82% (Interest Expense 943.0k / Debt 51.7m)
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 51.7m / totalStockholderEquity, last quarter 4.30b)
Debt / EBITDA = -0.39 (Net Debt -488.8m / EBITDA 1.25b)
Debt / FCF = -0.71 (Net Debt -488.8m / FCF TTM 686.4m)
Total Stockholder Equity = 3.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 21.63% (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 = 9.61% (E(2.69b)/V(2.74b) * Re(9.77%) + D(51.7m)/V(2.74b) * Rd(1.82%) * (1-Tc(0.19)))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -0.93%
[DCF Debug] Terminal Value 76.04% ; FCFE base≈555.0m ; Y1≈684.7m ; Y5≈1.17b
Fair Price DCF = 556.2 (DCF Value 14.67b / Shares Outstanding 26.4m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 20.81 | EPS CAGR: -58.24% | SUE: 0.0 | # QB: 0
Revenue Correlation: 83.14 | Revenue CAGR: 44.66% | SUE: 3.13 | # QB: 5
Additional Sources for JFIN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle