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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$2.70 - $17.87
Previous CloseN/A
Volume26.32K
Average Volume (3M)98.91K
Market Cap
$152.80M
Enterprise Value$2.02B
Total Cash (Recent Filing)$430.28M
Total Debt (Recent Filing)$691.31M
Price to Earnings (P/E)1.1
Beta1.06
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield11.97%
Share Statistics
EPS (TTM)18.00
Shares Outstanding25,329,546
10 Day Avg. Volume66,133
30 Day Avg. Volume98,906
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 Cap13.23
Enterprise Value/Revenue0.39
Enterprise Value/Gross Profit0.51
Enterprise Value/Ebitda1.78
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
Repeat-borrower EngagementHigh repeat-borrower share (76.3%) indicates strong customer retention and higher lifetime value, lowering acquisition costs and stabilizing fee revenue. Sticky borrower behavior improves predictability of credit performance and funding-partner confidence, supporting durable origination economics.
Tech & Anti-fraud CapabilitiesRobust multimodal anti-fraud detection and high accuracy materially reduce credit losses and operational leakage. Proprietary fraud controls bolster funder trust and regulatory standing, creating a defensible operational moat that supports margin preservation and scalable growth over the medium term.
Tech-empowerment Services GrowthRapid expansion of technology-empowerment services diversifies revenue away from pure origination toward recurring B2B tech and servicing fees. That partner-aligned model improves revenue resilience, reduces reliance on borrower acquisition, and strengthens long-term commercial relationships with financial institutions.
Bears Say
Transaction Volume CollapseA 45.8% YoY drop in transaction volume sharply reduces fee-generating activity and marketplace liquidity. Sustained lower throughput erodes operating leverage, diminishes funding-partner engagement, and weakens cash conversion, posing a material risk to sustained revenue and profitability over the coming months.
Significant Revenue ContractionA 57.4% YoY revenue decline outpaced cost reductions and flipped the company to a net loss, undermining margins and free cash flow. Persistent top-line weakness constrains investment in technology and international expansion, and reduces the firm's ability to absorb further cyclical or regulatory shocks.
Regulatory And Macro HeadwindsPolicy-driven rate caps and a systemic reduction in market loan volume structurally shrink the addressable market and increase funding stress. These headwinds force tighter underwriting, reduce origination economics, and may permanently depress platform volumes and funding-partner appetite, limiting medium-term growth.
Jiayin Group News
JFIN FAQ
What was Jiayin Group’s price range in the past 12 months?
Jiayin Group lowest stock price was $2.70 and its highest was $17.87 in the past 12 months.
What is Jiayin Group’s market cap?
Jiayin Group’s market cap is $152.80M.
When is Jiayin Group’s upcoming earnings report date?
Jiayin Group’s upcoming earnings report date is Aug 26, 2026 which is in 46 days.
How were Jiayin Group’s earnings last quarter?
Jiayin Group released its earnings results on Jun 23, 2026. The company reported -$0.29 earnings per share for the quarter, missing the consensus estimate of N/A by -$0.29.
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 -$0.29 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -28.392%.
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
Neutral
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10
Blogger Sentiment
Bearish
JFIN Sentiment 70%
Sector Average 67%
Sector Average 67%
Crowd Wisdom
Very Positive
Last 7 Days ▲ 10.5%
Last 30 Days ▲ 7.2%
Last 30 Days ▲ 7.2%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-83.17%
12-Months-Change
Fundamentals
Return on Equity
37.65%
Trailing 12-Months
Asset Growth
40.33%
Trailing 12-Months
Company Description
Jiayin Group
Jiayin Group Inc. is a Chinese financial technology company specializing in online consumer lending within the People's Republic of China. It operates a sophisticated fintech platform designed to facilitate secure, transparent, and swift connections between individual borrowers and institutional funding partners. Beyond its core lending facilitation, the company also offers referral services for various investment products provided by financial service entities. Additionally, it extends its expertise to software development, robust risk management, marketing support, and comprehensive IT assistance. Established in 2011, Jiayin Group Inc. maintains its headquarters in Shanghai, the People's Republic of China.
JFIN Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Negative
The call highlighted meaningful operational and strategic progress — notably stronger repeat-borrower engagement, rapid growth in the technology empowerment business, international expansion, and significant AI and anti-fraud improvements. However, these positives were overshadowed by material financial deterioration: large year-over-year declines in transaction volume (-45.8%) and revenue (-57.4%), a return to a net loss (RMB 61.7 million), declining cash balances, and rising 90+ day delinquencies. Management emphasized cost controls and strategic shifts (product diversification, tech services, tightened underwriting), but near-term guidance points to an even smaller Q2 volume range (RMB 9.5–10.5 billion), indicating continued pressure. Overall, although strategic initiatives and technology investments are promising for the medium term, the immediate financial and market trends are negative.View all JFIN earnings summariesTechnical Analysis
Ownership Overview
33.23% Insiders
0.31% Mutual Funds
0.16% Other Institutional Investors
66.18% Public Companies and
Individual Investors