JIAYIN GROUP INC-ADR (JFIN) Stock Fundamental Analysis
NASDAQ:JFIN - Nasdaq - US47737C1045 - ADR - Currency: USD
Taking everything into account, JFIN scores 6 out of 10 in our fundamental rating. JFIN was compared to 53 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
JFIN had positive earnings in the past year.
Each year in the past 5 years JFIN has been profitable.
Of the past 5 years JFIN 4 years had a positive operating cash flow.
1.2 Ratios
JFIN's Return On Assets of 20.69% is amongst the best of 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 96.23% of its industry peers.
Looking at the Return On Invested Capital, with a value of 30.92%, JFIN belongs to the top of the industry, outperforming 94.34% of the companies in the same industry.
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 last Return On Invested Capital (30.92%) for JFIN is well below the 3 year average (37.51%), which needs to be investigated, but indicates that JFIN had better years and this may not be a problem.
| 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
JFIN's Profit Margin of 21.68% is amongst the best of the industry. JFIN outperforms 86.79% of its industry peers.
JFIN's Profit Margin has declined in the last couple of years.
JFIN has a Operating Margin of 25.21%. This is amongst the best in the industry. JFIN outperforms 83.02% of its industry peers.
JFIN's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 72.10%, JFIN is doing good in the industry, outperforming 66.04% of the companies in the same industry.
In the last couple of years the Gross Margin of JFIN has declined.
| 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%
2. Health
2.1 Basic Checks
JFIN has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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/WACC4.1
WACC7.54%
2.3 Liquidity
JFIN has a Current Ratio of 1.97. This is a normal value and indicates that JFIN is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.97, JFIN is in the better half of the industry, outperforming 71.70% of the companies in the same industry.
JFIN has a Quick Ratio of 1.97. This is a normal value and indicates that JFIN is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of JFIN (1.97) is better than 71.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.97 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 2.98% over the past year.
JFIN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.64% yearly.
Looking at the last year, JFIN shows a small growth in Revenue. The Revenue has grown by 4.83% in the last year.
JFIN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.07% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 4.29, the valuation of JFIN can be described as very cheap.
Based on the Price/Earnings ratio, JFIN is valued cheaply inside the industry as 94.34% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 28.04, JFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.29 | ||
| 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 84.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 3.65 |
4.3 Compensation for Growth
The decent profitability rating of JFIN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
JFIN has a Yearly Dividend Yield of 8.11%, which is a nice return.
Compared to an average industry Dividend Yield of 3.74, JFIN pays a better dividend. On top of this JFIN pays more dividend than 96.23% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, JFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.11% |
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
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:JFIN (7/25/2025, 8:00:02 PM)
14.86
-0.98 (-6.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners2.91%
Inst Owner Change0.71%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap793.07M
Analysts82.86
Price TargetN/A
Short Float %1.54%
Short Ratio0.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.11% |
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 | 4.29 | ||
| Fwd PE | N/A | ||
| P/S | 0.93 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.55 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | 3.65 |
EPS(TTM)3.46
EY23.28%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS15.95
BVpS9.58
TBVpS9.58
PEG (NY)N/A
PEG (5Y)0.29
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%