JFIN Stock Overview
Jiayin Group Inc. provides online consumer finance services in the People’s Republic of China.
Jiayin Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$2.18|
|52 Week High||US$5.74|
|52 Week Low||US$1.57|
|1 Month Change||28.24%|
|3 Month Change||-23.24%|
|1 Year Change||-60.93%|
|3 Year Change||-86.37%|
|5 Year Change||n/a|
|Change since IPO||-86.50%|
Recent News & Updates
|JFIN||US Consumer Finance||US Market|
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.
|JFIN Average Weekly Movement||9.7%|
|Consumer Finance Industry Average Movement||9.0%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||16.5%|
|10% least volatile stocks in US Market||3.1%|
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
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
|JFIN fundamental statistics|
Is JFIN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|JFIN income statement (TTM)|
|Cost of Revenue||CN¥365.24m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||9.69|
|Net Profit Margin||26.87%|
How did JFIN perform over the long term?See historical performance and comparison
Is JFIN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is JFIN's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does JFIN's PE Ratio compare to its peers?
|JFIN PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
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.
|Current PE Ratio||1.5x|
|Fair PE Ratio||n/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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How is Jiayin Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
How has Jiayin Group performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
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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How is Jiayin Group's financial position?
Financial Health Score6/6
Financial Health Score 6/6
Short Term Liabilities
Long Term Liabilities
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.
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What is Jiayin Group current dividend yield, its reliability and sustainability?
Dividend Score 0/6
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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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dinggui Yan (53 yo)
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...
Experienced Management: JFIN's management team is considered experienced (3.8 years average tenure).
Experienced Board: JFIN's board of directors are considered experienced (3.1 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Jiayin Group Inc.'s employee growth, exchange listings and data sources
- 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
- Jiayin Group Inc.
- Building No. 1
- 18th Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 00:00|
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.