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JIAYIN GROUP INC-ADR (JFIN) Stock Fundamental Analysis

NASDAQ:JFIN - Nasdaq - US47737C1045 - ADR - Currency: USD

13.02  -0.51 (-3.77%)

After market: 13.02 0 (0%)

Fundamental Rating

6

JFIN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

In the past year JFIN was profitable.
JFIN had positive earnings in each of the past 5 years.
JFIN had a positive operating cash flow in 4 of the past 5 years.
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

JFIN has a better Return On Assets (20.69%) than 100.00% of its industry peers.
JFIN has a better Return On Equity (36.09%) than 96.23% of its industry peers.
JFIN's Return On Invested Capital of 30.92% is amongst the best of the industry. JFIN outperforms 94.34% 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 10.47%.
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 RankSector 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%
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

Looking at the Profit Margin, with a value of 21.68%, JFIN belongs to the top of the industry, outperforming 86.79% 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 25.21%, JFIN belongs to the best of the industry, outperforming 81.13% of the companies in the same industry.
JFIN's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 72.10%, JFIN is in the better half of the industry, outperforming 64.15% of the companies in the same industry.
In the last couple of years the Gross Margin of JFIN has declined.
Industry RankSector 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%
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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7

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
The number of shares outstanding for JFIN has been reduced compared to 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.
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

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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC4.1
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 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.
With a decent Current ratio value of 1.97, JFIN is doing good in the industry, outperforming 73.58% 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.
With a decent Quick ratio value of 1.97, JFIN is doing good in the industry, outperforming 73.58% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.97
Quick Ratio 1.97
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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4

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.
The Revenue has been growing slightly by 4.83% in the past 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)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.
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. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 3.76 indicates a rather cheap valuation of JFIN.
96.23% of the companies in the same industry are more expensive than JFIN, based on the Price/Earnings ratio.
JFIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.82.
Industry RankSector Rank
PE 3.76
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of JFIN indicates a rather cheap valuation: JFIN is cheaper than 83.02% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.21
JFIN Per share dataJFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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)0.26
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.69%, JFIN is a good candidate for dividend investing.
JFIN's Dividend Yield is rather good when compared to the industry average which is at 4.16. JFIN pays more dividend than 98.11% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, JFIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.69%

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
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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JIAYIN GROUP INC-ADR

NASDAQ:JFIN (8/18/2025, 8:46:11 PM)

After market: 13.02 0 (0%)

13.02

-0.51 (-3.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)06-06 2025-06-06
Earnings (Next)08-27 2025-08-27
Inst Owners2.92%
Inst Owner Change-22.37%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap694.87M
Analysts82.86
Price TargetN/A
Short Float %2.94%
Short Ratio1.6
Dividend
Industry RankSector Rank
Dividend Yield 9.69%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date07-14 2025-07-14 (0.8)
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 3.76
Fwd PE N/A
P/S 0.82
P/FCF N/A
P/OCF N/A
P/B 1.36
P/tB 1.36
EV/EBITDA 3.21
EPS(TTM)3.46
EY26.57%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS15.92
BVpS9.57
TBVpS9.57
PEG (NY)N/A
PEG (5Y)0.26
Profitability
Industry RankSector 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 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 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%