JIAYIN GROUP INC-ADR (JFIN) Stock Fundamental Analysis
USA - NASDAQ:JFIN - US47737C1045 - ADR
11.38 USD
-0.01 (-0.09%)
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. 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. These ratings would make JFIN suitable for quality investing!
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 better Return On Assets (22.05%) than 100.00% of its industry peers.
JFIN's Return On Equity of 41.21% is amongst the best of the industry. JFIN outperforms 96.36% of its industry peers.
JFIN has a Return On Invested Capital of 36.34%. This is amongst the best in the industry. JFIN outperforms 96.36% 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 11.02%.
| 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 90.91% of the companies in the same industry.
JFIN's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 29.95%, JFIN belongs to the best of the industry, outperforming 85.45% of the companies in the same industry.
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.
In the last couple of years the Gross Margin of JFIN has declined.
| 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
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
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/WACC3.74
WACC9.71%
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 better Current ratio (1.87) than 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.
JFIN has a Quick ratio of 1.87. This is in the better half of the industry: JFIN outperforms 72.73% 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.
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.
The Revenue has been growing by 21.07% on average over the past years. This is a very strong growth!
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 2.71 indicates a rather cheap valuation of JFIN.
Based on the Price/Earnings ratio, JFIN is valued cheaply inside the industry as 98.18% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of JFIN to the average of the S&P500 Index (27.86), we can say JFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.71 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, JFIN is valued cheaply inside the industry as 89.09% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 2.2 |
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)0.19
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 11.28%, JFIN is a good candidate for dividend investing.
In the last 3 months the price of JFIN has falen by -37.88%. 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 4.39, 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 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.28% |
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 (10/3/2025, 8:00:02 PM)
11.38
-0.01 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners2.27%
Inst Owner Change-23.92%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap607.34M
Analysts82.86
Price TargetN/A
Short Float %1.84%
Short Ratio1.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.28% |
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 | 2.71 | ||
| Fwd PE | N/A | ||
| P/S | 0.66 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.11 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | 2.2 |
EPS(TTM)4.2
EY36.91%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.14
BVpS10.24
TBVpS10.24
PEG (NY)N/A
PEG (5Y)0.19
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%
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 Turnover0.89
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
WACC9.71%
ROIC/WACC3.74
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%