JFIN Fundamental Analysis - JIAYIN GROUP INC-ADR

Fundamental Rating

JFIN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. JFIN has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. JFIN has a decent growth rate and is not valued too expensively.

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1. Profitability

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.

1.2 Ratios

JFIN has a Return On Assets of 20.69%. This is amongst the best in the industry. JFIN outperforms 100.00% of its industry peers.

JFIN has a Return On Equity of 36.09%. This is amongst the best in the industry. JFIN outperforms 96.15% of its industry peers.

JFIN has a better Return On Invested Capital (30.92%) than 94.23% of its industry peers.

JFIN had an Average Return On Invested Capital over the past 3 years of 37.51%. This is significantly above the industry average of 10.31%.

The 3 year average ROIC (37.51%) for JFIN is well above the current ROIC(30.92%). The reason for the recent decline needs to be investigated.

		Industry Rank	Sector Rank
ROA	20.69%
ROE	36.09%
ROIC	30.92%

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 (21.68%) is better than 86.54% of its industry peers.

In the last couple of years the Profit Margin of JFIN has declined.

JFIN has a better Operating Margin (25.21%) than 82.69% of its industry peers.

In the last couple of years the Operating Margin of JFIN has declined.

The Gross Margin of JFIN (72.10%) is better than 65.38% of its industry peers.

JFIN's Gross Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	25.21%
PM (TTM)	21.68%
GM	72.1%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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

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.

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACC4.1

WACC7.54%

2.3 Liquidity

A Current Ratio of 1.97 indicates that JFIN should not have too much problems paying its short term obligations.

With a decent Current ratio value of 1.97, JFIN is doing good in the industry, outperforming 71.15% of the companies in the same industry.

A Quick Ratio of 1.97 indicates that JFIN should not have too much problems paying its short term obligations.

JFIN's Quick ratio of 1.97 is fine compared to the rest of the industry. JFIN outperforms 71.15% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.97
Quick Ratio	1.97

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.98% over the past year.

The Earnings Per Share has been growing by 14.64% on average over the past years. This is quite good.

The Revenue has been growing slightly by 4.83% in the past 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)2.98%

EPS 3Y31.61%

EPS 5Y14.64%

EPS Q2Q%96.12%

Revenue 1Y (TTM)4.83%

Revenue growth 3Y48.25%

Revenue growth 5Y21.07%

Sales Q2Q%19.99%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 4.45 indicates a rather cheap valuation of JFIN.

94.23% of the companies in the same industry are more expensive than JFIN, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 26.98. JFIN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	4.45
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, JFIN is valued cheaply inside the industry as 84.62% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	3.79

4.3 Compensation for Growth

JFIN has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.3

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.36%, JFIN is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.66, JFIN pays a better dividend. On top of this JFIN pays more dividend than 88.46% 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 2.42.

		Industry Rank	Sector Rank
Dividend Yield	5.36%

5.2 History

JFIN is new to the dividend game and has less than 3 years of track record.

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

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JIAYIN GROUP INC-ADR

NASDAQ:JFIN (6/27/2025, 8:26:55 PM)

After market: 15.8 +0.39 (+2.53%)

15.41

-0.91 (-5.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)06-06 2025-06-06

Earnings (Next)08-27 2025-08-27

Inst Owners2.91%

Inst Owner Change225.04%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap822.42M

Analysts82.86

Price TargetN/A

Short Float %1.3%

Short Ratio0.47

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.36%

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 Rank	Sector Rank
PE	4.45
Fwd PE	N/A
P/S	0.97
P/FCF	N/A
P/OCF	N/A
P/B	1.61
P/tB	1.61
EV/EBITDA	3.79

EPS(TTM)3.46

EY22.45%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS15.94

BVpS9.58

TBVpS9.58

PEG (NY)N/A

PEG (5Y)0.3

Profitability

		Industry Rank	Sector Rank
ROA	20.69%
ROE	36.09%
ROCE	37.36%
ROIC	30.92%
ROICexc	30.92%
ROICexgc	30.92%
OM	25.21%
PM (TTM)	21.68%
GM	72.1%
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%

ROICexcg growth 3Y-49%

ROICexcg 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 Turnover0.95

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	1.97
Quick Ratio	1.97
Altman-Z	N/A

F-ScoreN/A

WACC7.54%

ROIC/WACC4.1

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)2.98%

EPS 3Y31.61%

EPS 5Y14.64%

EPS Q2Q%96.12%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.83%

Revenue growth 3Y48.25%

Revenue growth 5Y21.07%

Sales Q2Q%19.99%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y18.38%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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