NasdaqGM:JFIN

Stock Analysis Report

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Executive Summary

Jiayin Group Inc. operates as an online individual finance marketplace that connects individual investors and individual borrowers in China.


Snowflake Analysis

Good value with questionable track record.

Share Price & News

How has Jiayin Group's share price performed over time and what events caused price changes?


Latest Share Price and Events

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


Market Performance


7 Day Return

-2.5%

JFIN

-0.8%

US Consumer Finance

2.5%

US Market


1 Year Return

-72.1%

JFIN

-26.5%

US Consumer Finance

15.9%

US Market

Return vs Industry: JFIN underperformed the US Consumer Finance industry which returned -26.8% over the past year.

Return vs Market: JFIN underperformed the US Market which returned 14.9% over the past year.


Shareholder returns

JFINIndustryMarket
7 Day-2.5%-0.8%2.5%
30 Day-10.3%2.1%5.8%
90 Day59.5%18.1%18.2%
1 Year-72.1%-72.1%-24.9%-26.5%18.4%15.9%
3 Yearn/a-0.8%-5.8%39.9%30.9%
5 Yearn/a3.7%-4.5%72.9%54.2%

Price Volatility Vs. Market

How volatile is Jiayin Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Jiayin Group undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: JFIN ($3.48) is trading below our estimate of fair value ($16.52)

Significantly Below Fair Value: JFIN is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: JFIN is good value based on its PE Ratio (4.1x) compared to the US Consumer Finance industry average (8.9x).

PE vs Market: JFIN is good value based on its PE Ratio (4.1x) compared to the US market (17.8x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate JFIN's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: JFIN has negative assets, so we can't compare its PB Ratio to the US Consumer Finance industry average.


Next Steps

Future Growth

How is Jiayin Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

57.8%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Jiayin Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Jiayin Group performed over the past 5 years?

37.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: JFIN has high quality earnings.

Growing Profit Margin: JFIN's current net profit margins (17.3%) are lower than last year (22.1%).


Past Earnings Growth Analysis

Earnings Trend: JFIN's earnings have grown significantly by 37.9% per year over the past 5 years.

Accelerating Growth: JFIN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: JFIN had negative earnings growth (-46.1%) over the past year, making it difficult to compare to the Consumer Finance industry average (-40.1%).


Return on Equity

High ROE: JFIN's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.


Next Steps

Financial Health

How is Jiayin Group's financial position?


Financial Position Analysis

Short Term Liabilities: JFIN has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.

Long Term Liabilities: JFIN has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.


Debt to Equity History and Analysis

Debt Level: JFIN has negative shareholder equity, which is a more serious situation than a high debt level.

Reducing Debt: JFIN's has negative shareholder equity, so we do not need to check if its debt has reduced over time.

Debt Coverage: JFIN's debt is well covered by operating cash flow (8793%).

Interest Coverage: JFIN earns more interest than it pays, so coverage of interest payments is not a concern.


Balance Sheet


Next Steps

Dividend

What is Jiayin Group current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate JFIN's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate JFIN's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if JFIN's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if JFIN's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of JFIN's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.6yrs

Average management tenure


CEO

Dinggui Yan (52 yo)

4.58yrs

Tenure

Mr. Dinggui Yan is the Founder, Chairman and Chief Executive Officer at Jiayin Group Inc. Mr. Yan has been the Chairman and General Manager of Shanghai Jiayin Finance Technology Co., Ltd. since September 2 ...


Leadership Team

NamePositionTenureCompensationOwnership
Dinggui Yan
Founder4.58yrsno data68.12%
CN¥ 129.9m
Chunlin Fan
Chief Financial Officer4.58yrsno datano data
Jiong Feng
Chief Technology Officer6.58yrsno datano data
Yifang Xu
Chief Risk Officer & Director1.25yrsno datano data
Libin Wang
VP of Finance & Director1.25yrsno datano data
Shelley Bai
IR Directorno datano datano data

4.6yrs

Average Tenure

44yo

Average Age

Experienced Management: JFIN's management team is considered experienced (4.6 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Dinggui Yan
Founder4.58yrsno data68.12%
CN¥ 129.9m
Yifang Xu
Chief Risk Officer & Director1.25yrsno datano data
Libin Wang
VP of Finance & Director1.25yrsno datano data
Meng Rui
Independent Director1.25yrsno datano data
Yuhchang Hwang
Independent Director1.25yrsno datano data

1.3yrs

Average Tenure

52yo

Average Age

Experienced Board: JFIN's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Jiayin Group Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Jiayin Group Inc.
  • Ticker: JFIN
  • Exchange: NasdaqGM
  • Founded: 2011
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: US$190.708m
  • Shares outstanding: 54.03m
  • Website: https://www.jiayinfintech.cn

Number of Employees


Location

  • Jiayin Group Inc.
  • Building No. 1
  • 26th Floor
  • Shanghai
  • Shanghai Province
  • 200122
  • China

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
JFINNasdaqGM (Nasdaq Global Market)YesSPONSORED ADSUSUSDMay 2019

Biography

Jiayin Group Inc. operates as an online individual finance marketplace that connects individual investors and individual borrowers in China. It operates a secure and open platform that facilitates transpar ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/04 01:00
End of Day Share Price2020/08/03 00:00
Earnings2020/03/31
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.