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

NASDAQ:JFIN • US47737C1045

Current stock price

5.39 USD
-0.25 (-4.43%)
Last:

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

7

1. JFIN Profitability Analysis

1.1 Basic Checks

  • In the past year JFIN was profitable.
  • Each year in the past 5 years JFIN has been profitable.
  • JFIN had a positive operating cash flow in 4 of the past 5 years.
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 0 500M -500M 1B

1.2 Ratios

  • JFIN has a Return On Assets of 22.05%. This is amongst the best in the industry. JFIN outperforms 98.15% of its industry peers.
  • JFIN's Return On Equity of 41.21% is amongst the best of the industry. JFIN outperforms 92.59% of its industry peers.
  • JFIN has a Return On Invested Capital of 36.34%. This is amongst the best in the industry. JFIN outperforms 96.30% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for JFIN is significantly above the industry average of 12.37%.
Industry RankSector Rank
ROA 22.05%
ROE 41.21%
ROIC 36.34%
ROA(3y)27.19%
ROA(5y)35.66%
ROE(3y)61.04%
ROE(5y)N/A
ROIC(3y)37.51%
ROIC(5y)91.73%
JFIN Yearly ROA, ROE, ROICJFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1K -1K -2K -3K

1.3 Margins

  • JFIN has a better Profit Margin (24.64%) than 81.48% of its industry peers.
  • In the last couple of years the Profit Margin of JFIN has declined.
  • JFIN has a Operating Margin of 29.95%. This is in the better half of the industry: JFIN outperforms 75.93% of its industry peers.
  • JFIN's Operating Margin has declined in the last couple of years.
  • JFIN has a Gross Margin of 78.82%. This is in the better half of the industry: JFIN outperforms 68.52% of its industry peers.
  • In the last couple of years the Gross Margin of JFIN has declined.
Industry RankSector Rank
OM 29.95%
PM (TTM) 24.64%
GM 78.82%
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%
JFIN Yearly Profit, Operating, Gross MarginsJFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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7

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.
  • Compared to 1 year ago, JFIN has less shares outstanding
  • The number of shares outstanding for JFIN has been reduced compared to 5 years ago.
  • 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.
JFIN Yearly Shares OutstandingJFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B 5B

2.2 Solvency

  • 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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC4.82
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 0 1B -1B 2B -2B 3B

2.3 Liquidity

  • A Current Ratio of 1.87 indicates that JFIN should not have too much problems paying its short term obligations.
  • JFIN has a better Current ratio (1.87) than 66.67% of its industry peers.
  • JFIN has a Quick Ratio of 1.87. 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 Quick ratio value of 1.87, JFIN is doing good in the industry, outperforming 66.67% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.87
Quick Ratio 1.87
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 1B 2B 3B 4B 5B

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

5

3. JFIN Growth Analysis

3.1 Past

  • JFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.04%, which is quite impressive.
  • JFIN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.64% yearly.
  • JFIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.19%.
  • JFIN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.07% yearly.
EPS 1Y (TTM)34.04%
EPS 3Y31.61%
EPS 5Y14.64%
EPS Q2Q%119.64%
Revenue 1Y (TTM)8.19%
Revenue growth 3Y48.25%
Revenue growth 5Y21.07%
Sales Q2Q%27.78%

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 1B 2B 3B 4B 5B
JFIN Yearly EPS VS EstimatesJFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2 4 6 8 10

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4

4. JFIN Valuation Analysis

4.1 Price/Earnings Ratio

  • JFIN is valuated cheaply with a Price/Earnings ratio of 1.24.
  • Based on the Price/Earnings ratio, JFIN is valued cheaper than 96.30% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, JFIN is valued rather cheaply.
Industry RankSector Rank
PE 1.24
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of JFIN indicates a rather cheap valuation: JFIN is cheaper than 88.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.01
JFIN Per share dataJFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of JFIN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.08
EPS Next 2YN/A
EPS Next 3YN/A

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

5

5. JFIN Dividend Analysis

5.1 Amount

  • JFIN has a Yearly Dividend Yield of 22.78%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.25, 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 1.89.
Industry RankSector Rank
Dividend Yield 22.78%

5.2 History

  • JFIN has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
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 0 500M 1B

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JFIN Fundamentals: All Metrics, Ratios and Statistics

JIAYIN GROUP INC-ADR

NASDAQ:JFIN (3/20/2026, 8:04:05 PM)

5.39

-0.25 (-4.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-20
Earnings (Next)03-25
Inst Owners4.33%
Inst Owner Change11.11%
Ins OwnersN/A
Ins Owner Change0%
Market Cap287.66M
Revenue(TTM)6.51B
Net Income(TTM)1.60B
Analysts82.86
Price TargetN/A
Short Float %2.31%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield 22.78%
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 RankSector Rank
PE 1.24
Fwd PE N/A
P/S 0.3
P/FCF N/A
P/OCF N/A
P/B 0.51
P/tB 0.51
EV/EBITDA 1.01
EPS(TTM)4.34
EY80.52%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.7
BVpS10.58
TBVpS10.58
PEG (NY)N/A
PEG (5Y)0.08
Graham Number32.14
Profitability
Industry RankSector Rank
ROA 22.05%
ROE 41.21%
ROCE 43.9%
ROIC 36.34%
ROICexc 36.34%
ROICexgc 36.34%
OM 29.95%
PM (TTM) 24.64%
GM 78.82%
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%
ROICexgc growth 3Y-49%
ROICexgc 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 Turnover0.89
Health
Industry RankSector 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 1.87
Quick Ratio 1.87
Altman-Z N/A
F-ScoreN/A
WACC7.54%
ROIC/WACC4.82
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)34.04%
EPS 3Y31.61%
EPS 5Y14.64%
EPS Q2Q%119.64%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.19%
Revenue growth 3Y48.25%
Revenue growth 5Y21.07%
Sales Q2Q%27.78%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y68.55%
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 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 4 / 10 to JIAYIN GROUP INC-ADR (JFIN). This can be considered as Fairly Valued.


Can you provide the profitability details for JIAYIN GROUP INC-ADR?

JIAYIN GROUP INC-ADR (JFIN) has a profitability rating of 7 / 10.


What is the financial health of JIAYIN GROUP INC-ADR (JFIN) stock?

The financial health rating of JIAYIN GROUP INC-ADR (JFIN) is 7 / 10.