How does JFIN's PE Ratio compare to its peers?

JFIN is good value based on its Price-To-Earnings Ratio (1.9x) compared to the peer average (5.3x).

How does JFIN's PE Ratio compare vs other companies in the US Consumer Finance Industry?

JFIN is good value based on its Price-To-Earnings Ratio (1.9x) compared to the US Consumer Finance industry average (12.1x).

What is JFIN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate JFIN's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of JFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

JFIN ($5.84) is trading below our estimate of [[fair value]] ($60.11)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

Jiayin Group (Nasdaq:JFIN) - Stock Price, News & Analysis

JFIN Stock Overview

Provides online consumer finance services in the People’s Republic of China. More details

JFIN fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 90.3% below our estimate of its fair value

Risk Analysis

Volatile share price over the past 3 months compared to the US market

Profit margins (20%) are lower than last year (31.9%)

Jiayin Group Inc. Competitors

X Financial

NYSE:XYF

US$309.0m

Regional Management

NYSE:RM

US$303.9m

Medallion Financial

NasdaqGS:MFIN

US$212.6m

Yiren Digital

NYSE:YRD

US$515.5m

Price History & Performance

Summary of all time highs, changes and price drops for Jiayin Group
Historical stock prices
Current Share Price	US$5.84
52 Week High	US$8.58
52 Week Low	US$4.00
Beta	0.85
11 Month Change	-14.49%
3 Month Change	-4.73%
1 Year Change	-1.85%
33 Year Change	53.68%
5 Year Change	-21.19%
Change since IPO	-63.84%

Jiayin: Enticing Shareholder Yield And Favorable Business Mix Change Are Positives (Rating Upgrade)

Oct 08

Jiayin Group Inc.'s (NASDAQ:JFIN) Shares Leap 30% Yet They're Still Not Telling The Full Story

Oct 01

Cautious Investors Not Rewarding Jiayin Group Inc.'s (NASDAQ:JFIN) Performance Completely

Jul 25

Recent updates

Jiayin: Enticing Shareholder Yield And Favorable Business Mix Change Are Positives (Rating Upgrade)

Oct 08

Jiayin Group Inc.'s (NASDAQ:JFIN) Shares Leap 30% Yet They're Still Not Telling The Full Story

Oct 01

Cautious Investors Not Rewarding Jiayin Group Inc.'s (NASDAQ:JFIN) Performance Completely

Jul 25

Jiayin Group: Risk-Reward Is Balanced

Apr 06

Further Upside For Jiayin Group Inc. (NASDAQ:JFIN) Shares Could Introduce Price Risks After 26% Bounce

Mar 14

Is Jiayin Group Inc.'s (NASDAQ:JFIN) Shareholder Ownership Skewed Towards Insiders?

Dec 03

Jiayin Group beats on revenue

Nov 30

Shareholder Returns

	JFIN	US Consumer Finance	US Market
7D	-11.6%	-0.7%	-1.0%
1Y	-1.8%	69.0%	30.3%

Return vs Industry: JFIN underperformed the US Consumer Finance industry which returned 70.3% over the past year.

Return vs Market: JFIN underperformed the US Market which returned 30.4% over the past year.

Price Volatility

Is JFIN's price volatile compared to industry and market?
JFIN volatility
JFIN Average Weekly Movement	10.0%
Consumer Finance Industry Average Movement	7.3%
Market Average Movement	6.2%
10% most volatile stocks in US Market	15.7%
10% least volatile stocks in US Market	3.1%

Stable Share Price: JFIN's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: JFIN's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of US stocks.

About the Company

Founded	Employees	CEO	Website
2011	925	Dinggui Yan	www.jiayinfintech.cn

Jiayin Group Inc., together with its subsidiaries, provides online consumer finance services in the People’s Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers referral services for investment products offered by the financial service providers; and technology development and services, as well as guarantee services.

Jiayin Group Inc. Fundamentals Summary

How do Jiayin Group's earnings and revenue compare to its market cap?
JFIN fundamental statistics
Market cap	US$360.62m
Earnings (TTM)	US$166.01m
Revenue (TTM)	US$830.62m

1.9x

P/E Ratio

0.4x

P/S Ratio

Is JFIN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
JFIN income statement (TTM)
Revenue	CN¥6.02b
Cost of Revenue	CN¥2.66b
Gross Profit	CN¥3.36b
Other Expenses	CN¥2.16b
Earnings	CN¥1.20b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	22.68
Gross Margin	55.86%
Net Profit Margin	19.99%
Debt/Equity Ratio	0%

How did JFIN perform over the long term?

See historical performance and comparison

Dividends

16.6%

Current Dividend Yield

28%

Payout Ratio

JFIN Stock Overview

Rewards

Risk Analysis

Jiayin Group Inc. Competitors

NYSE:XYF

US$309.0m

NYSE:RM

US$303.9m

NasdaqGS:MFIN

US$212.6m

NYSE:YRD

US$515.5m

Price History & Performance

Recent News & Updates

Jiayin Group Inc. to Report Q3, 2024 Results on Nov 20, 2024

Jiayin: Enticing Shareholder Yield And Favorable Business Mix Change Are Positives (Rating Upgrade)

Jiayin Group Inc.'s (NASDAQ:JFIN) Shares Leap 30% Yet They're Still Not Telling The Full Story

Jiayin Group Inc. Announces Cash Dividend, Payable on or Around September 3, 2024

Jiayin Group Inc. to Report Q2, 2024 Results on Aug 27, 2024

Cautious Investors Not Rewarding Jiayin Group Inc.'s (NASDAQ:JFIN) Performance Completely

Recent updates

Jiayin Group Inc. to Report Q3, 2024 Results on Nov 20, 2024

Jiayin: Enticing Shareholder Yield And Favorable Business Mix Change Are Positives (Rating Upgrade)

Jiayin Group Inc.'s (NASDAQ:JFIN) Shares Leap 30% Yet They're Still Not Telling The Full Story

Jiayin Group Inc. Announces Cash Dividend, Payable on or Around September 3, 2024

Jiayin Group Inc. to Report Q2, 2024 Results on Aug 27, 2024

Cautious Investors Not Rewarding Jiayin Group Inc.'s (NASDAQ:JFIN) Performance Completely

Jiayin Group Inc. to Report Q1, 2024 Results on Jun 06, 2024

Jiayin Group: Risk-Reward Is Balanced

New minor risk - Dividend sustainability

Jiayin Group Inc. to Declare and Distribute Recurring Cash Dividend Semi-Annually for Year 2024

Full year 2023 earnings released: EPS: CN¥24.26 (vs CN¥21.92 in FY 2022)

Jiayin Group Inc. to Report Q4, 2023 Results on Mar 28, 2024

Further Upside For Jiayin Group Inc. (NASDAQ:JFIN) Shares Could Introduce Price Risks After 26% Bounce

Does Jiayin Group (NASDAQ:JFIN) Deserve A Spot On Your Watchlist?

Jiayin Group: High Dividends Meet Fintech Innovation

Inaugural dividend of US$0.38 per share

Jiayin Group Inc. Announces Cash Dividend, Payable on or Around January 24, 2024 and for ADS Holders Payable on or Around January 31, 2024

Chief Risk Officer & Director notifies of intention to sell stock

Here's Why Jiayin Group (NASDAQ:JFIN) Has Caught The Eye Of Investors

Third quarter 2023 earnings released: EPS: CN¥6.06 (vs CN¥4.61 in 3Q 2022)

Jiayin Group Inc. Approves Cash Dividend

Jiayin Group Inc. to Report Q3, 2023 Results on Nov 22, 2023

VP of Finance & Director notifies of intention to sell stock

Second quarter 2023 earnings released: EPS: CN¥6.10 (vs CN¥4.70 in 2Q 2022)

Now 20% undervalued

Jiayin Group Inc. to Report Q2, 2023 Results on Aug 21, 2023

Investor sentiment improves as stock rises 38%

Jiayin Group Inc. Announces Cash Dividend, Payable on or Around August 2, 2023 and for ADS Holders Payable on or Around August 16, 2023

Do Jiayin Group's (NASDAQ:JFIN) Earnings Warrant Your Attention?

New major risk - Share price stability

VP of Finance & Director notifies of intention to sell stock

First quarter 2023 earnings released: EPS: CN¥5.24 (vs CN¥2.68 in 1Q 2022)

Investor sentiment improves as stock rises 31%

Jiayin Group Inc. to Report Q1, 2023 Results on Jun 08, 2023

Full year 2022 earnings released: EPS: CN¥22.12 (vs CN¥8.74 in FY 2021)

Does Jiayin Group (NASDAQ:JFIN) Deserve A Spot On Your Watchlist?

Third quarter 2022 earnings released: EPS: CN¥4.61 (vs CN¥2.38 in 3Q 2021)

Less than half of directors are independent

Jiayin Group Inc. to Report Q3, 2022 Results on Nov 23, 2022

Second quarter 2022 earnings released: EPS: CN¥4.70 (vs CN¥2.35 in 2Q 2021)

Jiayin Group GAAP EPS of $0.18, revenue of $121.2M

Investor sentiment improved over the past week

Jiayin Group Inc. to Report Q2, 2022 Results on Aug 18, 2022

Jiayin Group Inc. (NasdaqGM:JFIN) announces an Equity Buyback for $10 million worth of its shares.

First quarter 2022 earnings released: EPS: CN¥2.68 (vs CN¥1.73 in 1Q 2021)

Jiayin Group Inc. to Report Q1, 2022 Results on Jun 08, 2022

Jiayin Group Inc. Announces CFO Changes

Price target increased to US$12.00

Less than half of directors are independent

Full year 2021 earnings released: EPS: CN¥8.74 (vs CN¥4.68 in FY 2020)

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Third quarter 2021 earnings: EPS in line with expectations, revenues disappoint

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Second quarter 2021 earnings released: EPS CN¥2.35 (vs CN¥0.75 in 2Q 2020)

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week