JIAYIN GROUP INC-ADR (JFIN)
US47737C1045 - ADR
Taking everything into account, JFIN scores 3 out of 10 in our fundamental rating. JFIN was compared to 51 industry peers in the Consumer Finance industry. JFIN has a medium profitability rating, but doesn't score so well on its financial health evaluation. JFIN is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year JFIN was profitable.
Each year in the past 5 years JFIN has been profitable.
In multiple years JFIN reported negative operating cash flow during the last 5 years.
1.2 Ratios
The profitability ratios for JFIN are negative, so there is not much use analyzing them.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| ROIC | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 23.74%, JFIN belongs to the top of the industry, outperforming 86.27% of the companies in the same industry.
JFIN's Profit Margin has improved in the last couple of years.
JFIN has a Operating Margin of 24.37%. This is in the better half of the industry: JFIN outperforms 70.59% of its industry peers.
JFIN's Operating Margin has been stable in the last couple of years.
With a decent Gross Margin value of 63.20%, JFIN is doing good in the industry, outperforming 66.67% 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 | 24.37% | ||
| PM (TTM) | 23.74% | ||
| GM | 63.2% |
OM growth 3Y1.61%
OM growth 5Y0.5%
PM growth 3Y6.86%
PM growth 5Y2.26%
GM growth 3Y-8.16%
GM growth 5Y-5.99%
2. Health
2.1 Basic Checks
JFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
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
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
JFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.48%, which is quite good.
The Earnings Per Share has been growing by 16.22% on average over the past years. This is quite good.
The Revenue has grown by 67.11% in the past year. This is a very strong growth!
Measured over the past years, JFIN shows a quite strong growth in Revenue. The Revenue has been growing by 13.66% on average per year.
EPS 1Y (TTM)10.48%
EPS 3Y73.06%
EPS 5Y16.22%
EPS growth Q2Q-30.81%
Revenue 1Y (TTM)67.11%
Revenue growth 3Y61.4%
Revenue growth 5Y13.66%
Revenue growth Q2Q51.8%
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 1.94 indicates a rather cheap valuation of JFIN.
JFIN's Price/Earnings ratio is rather cheap when compared to the industry. JFIN is cheaper than 96.08% of the companies in the same industry.
When comparing the Price/Earnings ratio of JFIN to the average of the S&P500 Index (25.25), we can say JFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.94 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.12
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
JFIN has a Yearly Dividend Yield of 11.78%, which is a nice return.
JFIN's Dividend Yield is rather good when compared to the industry average which is at 4.32. JFIN pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, JFIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.78% |
5.2 History
JFIN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
JIAYIN GROUP INC-ADR
NASDAQ:JFIN (4/24/2024, 7:11:28 PM)
6.46
+0.14 (+2.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap346.81M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.78% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.94 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 24.37% | ||
| PM (TTM) | 23.74% | ||
| GM | 63.2% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset TurnoverN/A
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)10.48%
EPS 3Y73.06%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)67.11%
Revenue growth 3Y61.4%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y