JIAYIN GROUP INC-ADR (JFIN) Stock Fundamental Analysis
USA - NASDAQ:JFIN - US47737C1045 - ADR
8.96 USD
-1.04 (-10.4%)
Overall JFIN gets a fundamental rating of 6 out of 10. We evaluated JFIN against 55 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 is not valued too expensively and it also shows a decent growth rate. These ratings could make JFIN a good candidate for quality investing.
1. Profitability
1.1 Basic Checks
In the past year JFIN was profitable.
In the past 5 years JFIN has always been profitable.
Of the past 5 years JFIN 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 22.05%, JFIN belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
JFIN has a better Return On Equity (41.21%) than 96.36% of its industry peers.
JFIN's Return On Invested Capital of 36.34% is amongst the best of the industry. JFIN outperforms 96.36% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for JFIN is significantly above the industry average of 10.97%.
| Industry Rank | Sector 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%
1.3 Margins
The Profit Margin of JFIN (24.64%) is better than 87.27% of its industry peers.
In the last couple of years the Profit Margin of JFIN has declined.
JFIN's Operating Margin of 29.95% is amongst the best of the industry. JFIN outperforms 85.45% of its industry peers.
In the last couple of years the Operating Margin of JFIN has declined.
JFIN has a better Gross Margin (78.82%) than 69.09% of its industry peers.
JFIN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so JFIN is creating value.
JFIN has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, JFIN has less shares outstanding
JFIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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/WACC3.88
WACC9.37%
2.3 Liquidity
JFIN has a Current 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.
JFIN has a Current ratio of 1.87. This is in the better half of the industry: JFIN outperforms 72.73% of its industry peers.
A Quick Ratio of 1.87 indicates that JFIN should not have too much problems paying its short term obligations.
The Quick ratio of JFIN (1.87) is better than 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.87 | ||
| Quick Ratio | 1.87 |
3. Growth
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.
The Revenue has grown by 8.19% in the past year. This is quite good.
Measured over the past years, JFIN shows a very strong growth in Revenue. The Revenue has been growing by 21.07% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 2.13, which indicates a rather cheap valuation of JFIN.
Compared to the rest of the industry, the Price/Earnings ratio of JFIN indicates a rather cheap valuation: JFIN is cheaper than 98.18% of the companies listed in the same industry.
JFIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.13 | ||
| Fwd PE | N/A |
4.2 Price Multiples
JFIN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. JFIN is cheaper than 87.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.93 |
4.3 Compensation for Growth
The decent profitability rating of JFIN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.15
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
JFIN has a Yearly Dividend Yield of 12.98%, which is a nice return.
The stock price of JFIN dropped by -31.50% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 4.52, JFIN pays a better dividend. On top of this JFIN pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.30, JFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.98% |
5.2 History
JFIN has paid a dividend for less than 5 years, so there is no long track record yet.
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
NASDAQ:JFIN (10/28/2025, 8:03:23 PM)
8.96
-1.04 (-10.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners2.27%
Inst Owner Change-1.51%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap478.19M
Revenue(TTM)6.51B
Net Income(TTM)1.60B
Analysts82.86
Price TargetN/A
Short Float %1.79%
Short Ratio1.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.98% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date
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 | 2.13 | ||
| Fwd PE | N/A | ||
| P/S | 0.52 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.87 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | 1.93 |
EPS(TTM)4.21
EY46.99%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.16
BVpS10.26
TBVpS10.26
PEG (NY)N/A
PEG (5Y)0.15
Graham Number31.18
Profitability
| Industry Rank | Sector 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 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 | 1.87 | ||
| Quick Ratio | 1.87 | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC9.37%
ROIC/WACC3.88
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 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 for 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.
Can you provide the PE and PB ratios for JFIN stock?
The Price/Earnings (PE) ratio for JIAYIN GROUP INC-ADR (JFIN) is 2.13 and the Price/Book (PB) ratio is 0.87.