JIAYIN GROUP INC-ADR (JFIN) Stock Fundamental Analysis
USA - NASDAQ:JFIN - US47737C1045 - ADR
8.56 USD
-0.03 (-0.35%)
9.8 USD
+1.24 (+14.49%)
JFIN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 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
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.
1.2 Ratios
With an excellent Return On Assets value of 22.05%, JFIN belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
With an excellent Return On Equity value of 41.21%, JFIN belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
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.
Measured over the past 3 years, the Average Return On Invested Capital for JFIN is significantly above the industry average of 10.97%.
| 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
JFIN has a better Profit Margin (24.64%) than 87.27% of its industry peers.
JFIN's Profit Margin has declined in the last couple of years.
The Operating Margin of JFIN (29.95%) is better than 85.45% of its industry peers.
JFIN's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 78.82%, JFIN is in the better half of the industry, outperforming 69.09% of the companies in the same industry.
JFIN's Gross Margin has declined in the last couple of years.
| 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
JFIN has less shares outstanding than it did 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/WACC3.89
WACC9.34%
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.
With a decent Current ratio value of 1.87, JFIN is doing good in the industry, outperforming 72.73% of the companies in the same industry.
A Quick Ratio of 1.87 indicates that JFIN should not have too much problems paying its short term obligations.
JFIN has a better Quick ratio (1.87) than 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.
The Earnings Per Share has been growing by 14.64% on average over the past years. This is quite good.
The Revenue has grown by 8.19% in the past year. This is quite good.
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)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 2.03 indicates a rather cheap valuation of JFIN.
100.00% 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 (26.76), we can say JFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.03 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, JFIN is valued cheaper than 87.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.65 |
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)0.14
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 12.98%, JFIN is a good candidate for dividend investing.
The stock price of JFIN dropped by -34.33% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
JFIN's Dividend Yield is rather good when compared to the industry average which is at 4.69. JFIN pays more dividend than 100.00% of the companies in the same industry.
JFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.98% |
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
8.56
-0.03 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners2.27%
Inst Owner Change-1.51%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap456.84M
Revenue(TTM)6.51B
Net Income(TTM)1.60B
Analysts82.86
Price TargetN/A
Short Float %1.79%
Short Ratio1.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.98% |
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 | 2.03 | ||
| Fwd PE | N/A | ||
| P/S | 0.5 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.83 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | 1.65 |
EPS(TTM)4.21
EY49.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.18
BVpS10.27
TBVpS10.27
PEG (NY)N/A
PEG (5Y)0.14
Graham Number31.19
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%
ROICexgc growth 3Y-49%
ROICexgc 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
WACC9.34%
ROIC/WACC3.89
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%
JIAYIN GROUP INC-ADR / JFIN 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 for JFIN stock?
ChartMill assigns a valuation rating of 4 / 10 to JIAYIN GROUP INC-ADR (JFIN). This can be considered as Fairly Valued.
Can you provide the profitability details for JIAYIN GROUP INC-ADR?
JIAYIN GROUP INC-ADR (JFIN) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for JFIN stock?
The Price/Earnings (PE) ratio for JIAYIN GROUP INC-ADR (JFIN) is 2.03 and the Price/Book (PB) ratio is 0.83.