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JFIN

Jiayin Group NasdaqGM:JFIN Stock Report

Last Price

US$2.18

Market Cap

US$117.8m

7D

3.8%

1Y

-60.9%

Updated

24 Jun, 2022

Data

Company Financials +
JFIN fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends0/6

JFIN Stock Overview

Jiayin Group Inc. provides online consumer finance services in the People’s Republic of China.

Jiayin Group Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for Jiayin Group
Historical stock prices
Current Share PriceUS$2.18
52 Week HighUS$5.74
52 Week LowUS$1.57
Beta1.36
1 Month Change28.24%
3 Month Change-23.24%
1 Year Change-60.93%
3 Year Change-86.37%
5 Year Changen/a
Change since IPO-86.50%

Recent News & Updates

Shareholder Returns

JFINUS Consumer FinanceUS Market
7D3.8%3.5%4.0%
1Y-60.9%-32.1%-20.5%

Return vs Industry: JFIN underperformed the US Consumer Finance industry which returned -32.1% over the past year.

Return vs Market: JFIN underperformed the US Market which returned -20.5% over the past year.

Price Volatility

Is JFIN's price volatile compared to industry and market?
JFIN volatility
JFIN Average Weekly Movement9.7%
Consumer Finance Industry Average Movement9.0%
Market Average Movement7.9%
10% most volatile stocks in US Market16.5%
10% least volatile stocks in US Market3.1%

Stable Share Price: JFIN is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 10% a week.

Volatility Over Time: JFIN's weekly volatility (10%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2011706Dinggui Yanhttps://www.jiayinfintech.cn

Jiayin Group Inc. provides online consumer finance services in the People’s Republic of China. The company operates a fintech platform that facilitates transparent, secure, and fast connections between individual borrowers and financial institutions funding partners. It also provides referral services for investment products offered by the financial service providers; and software development, risk control, marketing support, and IT assistance services.

Jiayin Group Fundamentals Summary

How do Jiayin Group's earnings and revenue compare to its market cap?
JFIN fundamental statistics
Market CapCN¥787.83m
Earnings (TTM)CN¥523.57m
Revenue (TTM)CN¥1.95b

1.5x

P/E Ratio

0.4x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
JFIN income statement (TTM)
RevenueCN¥1.95b
Cost of RevenueCN¥365.24m
Gross ProfitCN¥1.58b
Other ExpensesCN¥1.06b
EarningsCN¥523.57m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)9.69
Gross Margin81.26%
Net Profit Margin26.87%
Debt/Equity Ratio0%

How did JFIN perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is JFIN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for JFIN?

Other financial metrics that can be useful for relative valuation.

JFIN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.3x
Enterprise Value/EBITDA1.2x
PEG Ration/a

Price to Earnings Ratio vs Peers

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

JFIN PE Ratio vs Peers
The above table shows the PE ratio for JFIN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average8.3x

Price-To-Earnings vs Peers: JFIN is good value based on its Price-To-Earnings Ratio (1.5x) compared to the peer average (8.3x).


Price to Earnings Ratio vs Industry

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

Price-To-Earnings vs Industry: JFIN is good value based on its Price-To-Earnings Ratio (1.5x) compared to the US Consumer Finance industry average (5.7x)


Price to Earnings Ratio vs Fair Ratio

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.

JFIN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio1.5x
Fair PE Ration/a

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


Share Price vs Fair Value

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

Below Fair Value: JFIN ($2.18) is trading below our estimate of fair value ($13.07)

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


Price to Earnings Growth Ratio

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


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Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


2.6%

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.


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  • Examine whether Jiayin Group is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.

Past Performance

How has Jiayin Group performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-12.5%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: JFIN has a large one-off gain of CN¥138.0M impacting its March 31 2022 financial results.

Growing Profit Margin: JFIN's current net profit margins (26.9%) are higher than last year (23%).


Past Earnings Growth Analysis

Earnings Trend: JFIN has become profitable over the past 5 years, growing earnings by -12.5% per year.

Accelerating Growth: JFIN's earnings growth over the past year (71.3%) exceeds its 5-year average (-12.5% per year).

Earnings vs Industry: JFIN earnings growth over the past year (71.3%) exceeded the Consumer Finance industry 17.4%.


Return on Equity

High ROE: JFIN's Return on Equity (300.4%) is considered outstanding.


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Financial Health

How is Jiayin Group's financial position?

Financial Health Score

6/6

Financial Health Score 6/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: JFIN's short term assets (CN¥1.0B) exceed its short term liabilities (CN¥672.1M).

Long Term Liabilities: JFIN's short term assets (CN¥1.0B) exceed its long term liabilities (CN¥353.1M).


Debt to Equity History and Analysis

Debt Level: JFIN is debt free.

Reducing Debt: JFIN currently has no debt however we can't compare to 5 years ago as we have no data for that period.

Debt Coverage: JFIN has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: JFIN has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


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Dividend

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

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

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.


Earnings Payout to Shareholders

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


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as JFIN has not reported any payouts.


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Management

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

3.8yrs

Average management tenure


CEO

Dinggui Yan (53 yo)

7.42yrs

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

Experienced Management: JFIN's management team is considered experienced (3.8 years average tenure).


Board Members

Experienced Board: JFIN's board of directors are considered experienced (3.1 years average tenure).


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 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
  • Implied Market Cap: US$117.775m
  • Shares outstanding: 54.03m
  • Website: https://www.jiayinfintech.cn

Number of Employees


Location

  • Jiayin Group Inc.
  • Building No. 1
  • 18th Floor
  • Shanghai
  • 200122
  • China

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/24 00:00
End of Day Share Price2022/06/24 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.