Jiayin Group (JFIN)
NASDAQ:JFIN
Want to see JFIN full AI Analyst Report?
JFIN Stock Chart & Stats
$7.20
$0.09(1.32%)
At close: 4:00 PM EST
$7.20
$0.09(1.32%)
Day’s Range― - ―
52-Week Range$3.70 - $19.23
Previous CloseN/A
Volume26.32K
Average Volume (3M)63.21K
Market Cap
$233.39M
Enterprise Value$2.14B
Total Cash (Recent Filing)$61.84M
Total Debt (Recent Filing)$700.63M
Price to Earnings (P/E)1.0
Beta0.88
Next Earnings
Jun 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield11.97%
Share Statistics
EPS (TTM)29.28
Shares Outstanding25,329,546
10 Day Avg. Volume96,226
30 Day Avg. Volume63,208
Financial Highlights & Ratios
PEG Ratio-0.12
Price to Book (P/B)0.47
Price to Sales (P/S)2.41
P/FCF Ratio3.35
Enterprise Value/Market Cap9.17
Enterprise Value/Revenue0.34
Enterprise Value/Gross Profit0.43
Enterprise Value/Ebitda1.19
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High Profitability And Strong MarginsSustained high gross and operating margins indicate durable unit economics and pricing power in Jiayin's marketplace model. Strong margins support reinvestment, shareholder returns and buffer regulatory shocks, enabling the firm to fund tech, risk and overseas expansion even if volumes fluctuate.
Strong Cash GenerationMeaningful operating and free cash flow demonstrate the platform’s ability to convert earnings into liquid resources. This cash-generative profile underpins dividends and buybacks, provides funding optionality for compliance and growth initiatives, and cushions against cyclical stress.
Strengthened Risk Governance Via New CROA dedicated, experienced CRO formalizes governance and enhances underwriting controls. Combined with an AI-driven risk stack, stronger risk leadership improves credit assessment, regulatory engagement and long-term asset-quality outcomes, supporting more sustainable origination and institutional partner confidence.
Bears Say
Regulatory Tightening & Sector Liquidity SqueezeNew regulatory barriers and tighter sector liquidity structurally raise funding costs, constrain risk appetite among partners, and force platform repricing or product limits. Over months this can compress origination volumes, reduce partner diversity, and increase compliance-related operating expenses.
Q4 Revenue And Margin DeteriorationSharp quarterly declines highlight that scale economics can reverse quickly under regulatory de-risking. Persistent quarter-to-quarter margin compression undermines reinvestment capacity and may force higher prices or slower customer acquisition, making durable growth and margin sustainability more challenging.
Material Decline In Quarter-end Cash BalancesA halving of cash reserves within a quarter increases dependence on external funding or operating cash flow. In a tightened liquidity environment this elevates refinancing and execution risk, limits flexibility for buybacks/dividends, and could necessitate defensive pricing or partner funding concessions.
Jiayin Group News
JFIN FAQ
What was Jiayin Group’s price range in the past 12 months?
Jiayin Group lowest stock price was $3.70 and its highest was $19.23 in the past 12 months.
What is Jiayin Group’s market cap?
Jiayin Group’s market cap is $233.39M.
When is Jiayin Group’s upcoming earnings report date?
Jiayin Group’s upcoming earnings report date is Jun 10, 2026 which is in 11 days.
How were Jiayin Group’s earnings last quarter?
Jiayin Group released its earnings results on Mar 31, 2026. The company reported $0.275 earnings per share for the quarter, beating the consensus estimate of N/A by $0.275.
Is Jiayin Group overvalued?
According to Wall Street analysts Jiayin Group’s price is currently Overvalued.
Does Jiayin Group pay dividends?
Jiayin Group pays a Annually dividend of $0.79 which represents an annual dividend yield of 11.97%. See more information on Jiayin Group dividends here
What is Jiayin Group’s EPS estimate?
Jiayin Group’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Jiayin Group have?
Jiayin Group has 25,329,546 shares outstanding.
What happened to Jiayin Group’s price movement after its last earnings report?
Jiayin Group reported an EPS of $0.275 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -12.343%.
Which hedge fund is a major shareholder of Jiayin Group?
Currently, no hedge funds are holding shares in JFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Jiayin Group Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bearish
JFIN Sentiment 70%
Sector Average ―
Sector Average ―
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 5.7%
Last 30 Days ▼ 5.7%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-68.42%
12-Months-Change
Fundamentals
Return on Equity
37.65%
Trailing 12-Months
Asset Growth
69.06%
Trailing 12-Months
Company Description
Jiayin Group
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. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China.
JFIN Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presents a balanced picture: strong full-year growth in loan facilitation, revenue and net income and notable progress in international expansion, AI strategy and shareholder returns are positive. However, Q4 showed pronounced declines in quarterly revenue, operating income and cash balances, driven by regulatory tightening, liquidity pressure and deliberate de-risking that compressed margins and volumes. Management emphasizes a disciplined, compliance-first stance and early signs of stabilization in asset quality, but near-term headwinds persist.View all JFIN earnings summariesTechnical Analysis
Ownership Overview
―
Insiders
0.31% Mutual Funds
0.58% Other Institutional Investors
98.91% Public Companies and
Individual Investors