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

NASDAQ:JFIN • US47737C1045

Current stock price

4.17 USD
-0.21 (-4.79%)
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

  • JFIN had positive earnings in the past year.
  • In the past 5 years JFIN has always been profitable.
  • Of the past 5 years JFIN 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 21.64%, JFIN belongs to the top of the industry, outperforming 98.15% of the companies in the same industry.
  • The Return On Equity of JFIN (39.76%) is better than 92.59% of its industry peers.
  • The Return On Invested Capital of JFIN (32.45%) is better than 96.30% 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 9.87%.
  • The last Return On Invested Capital (32.45%) 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 RankSector Rank
ROA 21.64%
ROE 39.76%
ROIC 32.45%
ROA(3y)27.19%
ROA(5y)35.66%
ROE(3y)61.04%
ROE(5y)N/A
ROIC(3y)37.51%
ROIC(5y)91.74%
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's Profit Margin of 26.18% is amongst the best of the industry. JFIN outperforms 83.33% of its industry peers.
  • In the last couple of years the Profit Margin of JFIN has declined.
  • JFIN has a Operating Margin of 32.05%. This is amongst the best in the industry. JFIN outperforms 81.48% of its industry peers.
  • JFIN's Operating Margin has declined in the last couple of years.
  • With a decent Gross Margin value of 80.93%, JFIN is doing good in the industry, outperforming 75.93% of the companies in the same industry.
  • In the last couple of years the Gross Margin of JFIN has declined.
Industry RankSector Rank
OM 32.05%
PM (TTM) 26.18%
GM 80.93%
OM growth 3Y-3.93%
OM growth 5Y-2.14%
PM growth 3Y-11.77%
PM growth 5Y-5.1%
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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8

2. JFIN Health Analysis

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
  • JFIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • JFIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC4.3
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

  • JFIN has a Current Ratio of 2.24. This indicates that JFIN is financially healthy and has no problem in meeting its short term obligations.
  • With a decent Current ratio value of 2.24, JFIN is doing good in the industry, outperforming 74.07% of the companies in the same industry.
  • JFIN has a Quick Ratio of 2.24. This indicates that JFIN is financially healthy and has no problem in meeting its short term obligations.
  • JFIN's Quick ratio of 2.24 is fine compared to the rest of the industry. JFIN outperforms 74.07% of its industry peers.
Industry RankSector Rank
Current Ratio 2.24
Quick Ratio 2.24
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

  • The Earnings Per Share has grown by an impressive 50.44% 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 14.65% on average per year.
  • Looking at the last year, JFIN shows a quite strong growth in Revenue. The Revenue has grown by 9.00% 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)50.44%
EPS 3Y31.64%
EPS 5Y14.65%
EPS Q2Q%44.43%
Revenue 1Y (TTM)9%
Revenue growth 3Y48.25%
Revenue growth 5Y21.07%
Sales Q2Q%1.74%

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

  • With a Price/Earnings ratio of 0.91, the valuation of JFIN can be described as very cheap.
  • 96.30% of the companies in the same industry are more expensive than JFIN, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of JFIN to the average of the S&P500 Index (26.91), we can say JFIN is valued rather cheaply.
Industry RankSector Rank
PE 0.91
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

  • JFIN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. JFIN is cheaper than 92.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 0.66
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)0.06
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 26.44%, which is a nice return.
  • In the last 3 months the price of JFIN has falen by -39.74%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 3.23, 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 26.44%

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 Years0
Div Non Decr Years0
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 (4/9/2026, 8:00:03 PM)

4.17

-0.21 (-4.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-25
Earnings (Next)06-02
Inst Owners4.33%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner Change0%
Market Cap222.55M
Revenue(TTM)6.54B
Net Income(TTM)1.71B
Analysts82.86
Price TargetN/A
Short Float %1.95%
Short Ratio1.98
Dividend
Industry RankSector Rank
Dividend Yield 26.44%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
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 0.91
Fwd PE N/A
P/S 0.23
P/FCF N/A
P/OCF N/A
P/B 0.35
P/tB 0.35
EV/EBITDA 0.66
EPS(TTM)4.57
EY109.59%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.92
BVpS11.8
TBVpS11.8
PEG (NY)N/A
PEG (5Y)0.06
Graham Number34.83
Profitability
Industry RankSector Rank
ROA 21.64%
ROE 39.76%
ROCE 39.2%
ROIC 32.45%
ROICexc 33.22%
ROICexgc 33.44%
OM 32.05%
PM (TTM) 26.18%
GM 80.93%
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)91.74%
ROICexc(3y)42.28%
ROICexc(5y)N/A
ROICexgc(3y)44.83%
ROICexgc(5y)N/A
ROCE(3y)45.31%
ROCE(5y)110.82%
ROICexgc growth 3Y-44.91%
ROICexgc growth 5Y-33.64%
ROICexc growth 3Y-48.87%
ROICexc growth 5Y-36.64%
OM growth 3Y-3.93%
OM growth 5Y-2.14%
PM growth 3Y-11.77%
PM growth 5Y-5.1%
GM growth 3Y-7.15%
GM growth 5Y-4.3%
F-ScoreN/A
Asset Turnover0.83
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 2.24
Quick Ratio 2.24
Altman-Z N/A
F-ScoreN/A
WACC7.54%
ROIC/WACC4.3
Cap/Depr(3y)1548.07%
Cap/Depr(5y)933.11%
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)50.44%
EPS 3Y31.64%
EPS 5Y14.65%
EPS Q2Q%44.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9%
Revenue growth 3Y48.25%
Revenue growth 5Y21.07%
Sales Q2Q%1.74%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y92.7%
EBIT growth 3Y42.43%
EBIT growth 5Y18.48%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y91.7%
FCF growth 3Y55.72%
FCF growth 5YN/A
OCF growth 1Y265.9%
OCF growth 3Y97.68%
OCF growth 5Y122.25%

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.


What is the profitability of JFIN stock?

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


What is the valuation of JIAYIN GROUP INC-ADR based on its PE and PB ratios?

The Price/Earnings (PE) ratio for JIAYIN GROUP INC-ADR (JFIN) is 0.91 and the Price/Book (PB) ratio is 0.35.