6.33 USD
-0.27 (-4.09%)
6.27 USD
-0.06 (-0.95%)
Taking everything into account, JFIN scores 6 out of 10 in our fundamental rating. JFIN was compared to 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 would make JFIN suitable for quality investing!
1. Profitability
1.1 Basic Checks
In the past year JFIN was profitable.
JFIN had positive earnings in each of the past 5 years.
JFIN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
JFIN has a better Return On Assets (22.05%) than 98.18% of its industry peers.
JFIN has a Return On Equity of 41.21%. This is amongst the best in the industry. JFIN outperforms 94.55% of its industry peers.
The Return On Invested Capital of JFIN (36.34%) is better than 96.36% of its industry peers.
The Average Return On Invested Capital over the past 3 years for JFIN is significantly above the industry average of 12.59%.
| 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
Looking at the Profit Margin, with a value of 24.64%, JFIN belongs to the top of the industry, outperforming 85.45% of the companies in the same industry.
JFIN's Profit Margin has declined in the last couple of years.
The Operating Margin of JFIN (29.95%) is better than 83.64% of its industry peers.
JFIN's Operating Margin has declined in the last couple of years.
The Gross Margin of JFIN (78.82%) is better than 67.27% 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
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
Compared to 5 years ago, JFIN has less shares outstanding
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.
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/WACC4.27
WACC8.5%
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.
With a decent Current ratio value of 1.87, JFIN is doing good in the industry, outperforming 70.91% of the companies in the same industry.
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.
JFIN has a better Quick ratio (1.87) than 70.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.87 | ||
| Quick Ratio | 1.87 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 34.04% over the past year.
Measured over the past years, JFIN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.64% on average per year.
Looking at the last year, JFIN shows a quite strong growth in Revenue. The Revenue has grown by 8.19% in the last year.
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
A Price/Earnings ratio of 1.49 indicates a rather cheap valuation of JFIN.
JFIN's Price/Earnings ratio is rather cheap when compared to the industry. JFIN is cheaper than 98.18% of the companies in the same industry.
JFIN is valuated cheaply when we compare the Price/Earnings ratio to 26.50, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.49 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, JFIN is valued cheaper than 87.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.26 |
4.3 Compensation for Growth
The decent profitability rating of JFIN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 19.12%, JFIN is a good candidate for dividend investing.
The stock price of JFIN dropped by -37.02% 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 2.35, 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 1.87, JFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 19.12% |
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
6.33
-0.27 (-4.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners3.67%
Inst Owner Change67.66%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap337.83M
Revenue(TTM)6.51B
Net Income(TTM)1.60B
Analysts82.86
Price TargetN/A
Short Float %4.04%
Short Ratio1.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 19.12% |
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 | 1.49 | ||
| Fwd PE | N/A | ||
| P/S | 0.36 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.61 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 1.26 |
EPS(TTM)4.25
EY67.14%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.36
BVpS10.38
TBVpS10.38
PEG (NY)N/A
PEG (5Y)0.1
Graham Number31.5
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
WACC8.5%
ROIC/WACC4.27
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 1.49 and the Price/Book (PB) ratio is 0.61.