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Jiayin Group Inc (JFIN)
NASDAQ:JFIN
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Jiayin Group
(NASDAQ:JFIN)
Rating:78Outperform
Price Target:
$17.00
▲(14.40%Upside)
Jiayin Group (JFIN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$845.37M
Dividend Yield0.31%
Average Volume (3M)105.54K
Price to Earnings (P/E)4.6
Beta (1Y)0.61
Revenue Growth4.16%
EPS Growth1.98%
CountryUS
Employees1,028
SectorCommunication Services
Sector Strength76
IndustryInternet Content & Information
Share Statistics
EPS (TTM)1.39
Shares Outstanding26,369,547
10 Day Avg. Volume85,374
30 Day Avg. Volume105,539
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)1.84
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$18.50Price Target Upside24.50% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering0
Jiayin Group Business Overview & Revenue Model
Company DescriptionJiayin 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.
How the Company Makes MoneyJiayin Group generates revenue primarily through service fees charged to borrowers and investors who utilize its online lending platform. Borrowers pay fees based on the loan amount and terms, while investors are charged fees for managing their investments on the platform. The company employs advanced data analytics to assess borrower creditworthiness, which helps in setting appropriate service fees and interest rates. Additionally, Jiayin might engage in partnerships with financial institutions to expand its service offerings and enhance its revenue potential. The company's earnings are largely influenced by the volume of loans facilitated through its platform and the overall demand for consumer finance solutions in its operating regions.
Jiayin Group Earnings Call Summary
Earnings Call Date:Jun 04, 2025
(Q1-2025)
| % Change Since: 2.27%|
Next Earnings Date:Aug 26, 2025
Earnings Call Sentiment Positive
The earnings call presented strong growth in loan facilitation volume and profitability metrics, driven by strategic expansion and technological integration. Despite increased marketing expenses and customer acquisition costs, the company demonstrated significant international growth and improved profitability, outweighing the noted challenges.Q1-2025 Updates
Positive Updates
Strong Loan Facilitation Volume Growth
Loan facilitation volume reached RMB 35.6 billion, marking a year-over-year increase of 58.2%.
Record Non-GAAP Operating Profit
Non-GAAP operating profit hit RMB 607 million, a year-over-year increase of 91.6%.
Significant Net Profit Increase
Net profit surged to RMB 540 million, reflecting a year-over-year rise of 97.5%.
Expansion of New Borrowers
The company added 1.056 million new borrowers, representing a year-over-year growth of 126.6%.
AI Integration and Technological Advancements
Launched Fuxi model management platform, covering 90% of business lines, improving model deployment efficiency threefold.
International Growth in Indonesia and Mexico
Indonesian operations saw new registered users surge by 196% and loan volume grow by 190% year over year.
Enhanced Dividend Policy
Dividend payout ratio increased to approximately 30% of the previous fiscal year's net profit after tax.
Negative Updates
Increased Sales and Marketing Expenses
Sales and marketing expenses rose to RMB 674.5 million, representing an increase of 87.5% from the same period of 2024.
Loss for Unsecured Assets
Loss for unsecured assets, loans, and receivables was RMB 17.5 million, up from RMB 2.6 million in the first quarter of 2024.
Increase in Customer Acquisition Costs
Rising trend in customer acquisition cost observed due to competitive market dynamics and strategic expansion.
Decrease in Cash and Cash Equivalents
Cash and cash equivalents decreased to RMB 190.3 million from RMB 540.5 million at the end of the previous quarter.
Company Guidance
During Jiayin Group's earnings call for the first quarter of 2025, the company provided optimistic guidance for the second quarter, projecting loan facilitation volumes between RMB 37 billion and RMB 39 billion and non-GAAP operating profits ranging from RMB 660 million to RMB 730 million. The first quarter saw significant growth, with loan facilitation volumes reaching RMB 35.6 billion, a 58.2% year-over-year increase. The company also recorded a non-GAAP operating profit of RMB 607 million, marking a 91.6% increase, and a net profit of RMB 540 million, up 97.5% from the previous year. This growth was fueled by strategic efforts in borrower acquisition, leading to 1.056 million new borrowers, and the expansion of partnerships with 59 financial institutions, while another 55 are in discussions. The company highlighted its continued focus on technological enhancements and AI integration to improve operational efficiency and risk management, with their 90-day plus delinquency ratio standing at 1.13%. Additionally, Jiayin Group increased its dividend payout ratio to approximately 30% and extended its share repurchase program to June 2026, reflecting a commitment to shareholder returns.Jiayin Group Financial Statement Overview
Summary
Jiayin Group exhibits strong financial health, with consistent revenue growth and solid profitability. The balance sheet is robust, marked by low leverage and high equity levels, while cash flow generation is strong with impressive free cash flow growth. Continued focus on maintaining margins and managing capital expenditures will be key to sustaining this financial performance.Income Statement
Jiayin Group has demonstrated strong revenue growth over the years, particularly a 6.1% increase from 2023 to 2024. The company maintains healthy profitability with a robust net profit margin of 18.2% for 2024. The gross profit margin remains solid at 64.9%, indicating effective cost management. However, a slight decline in EBIT margin from the previous year should be monitored.85
Very Positive
Balance Sheet
The company's balance sheet shows a strong equity position with an equity ratio of 57.8% in 2024. The debt-to-equity ratio is low at 0.02, which indicates low financial leverage and reduced risk exposure. Return on equity is impressive at 33.8%, reflecting efficient use of equity, but the negative net debt position could be a concern if it indicates under-leveraging in an industry where leveraging can be advantageous.72
Positive
Cash Flow
Jiayin Group's cash flow analysis reveals a significant increase in free cash flow by 91.6% from 2023 to 2024, enhancing financial flexibility. The operating cash flow to net income ratio is 1.35, showing that the company effectively converts its net income into cash. However, fluctuations in capital expenditures warrant attention for potential impacts on future cash flow.78
Positive
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 5.80B | 5.47B | 3.27B | 1.78B | 1.30B |
| Gross Profit | 3.77B | 3.46B | 2.71B | 1.44B | 1.06B |
| EBITDA | 1.27B | 1.34B | 1.19B | 447.63M | 325.26M |
| Net Income | 1.06B | 1.30B | 1.18B | 472.09M | 252.88M |
Balance Sheet | |||||
| Total Assets | 5.41B | 5.64B | 3.02B | 971.43M | 525.37M |
| Cash, Cash Equivalents and Short-Term Investments | 540.52M | 370.19M | 291.02M | 182.55M | 117.32M |
| Total Debt | 51.68M | 47.96M | 27.46M | 35.24M | 5.20M |
| Total Liabilities | 2.28B | 3.26B | 1.78B | 945.68M | 989.14M |
| Stockholders Equity | 3.13B | 2.38B | 1.24B | 27.86M | -461.62M |
Cash Flow | |||||
| Free Cash Flow | 686.36M | 358.05M | 795.68M | 181.77M | -36.35M |
| Operating Cash Flow | 1.43B | 389.59M | 915.37M | 184.54M | -35.51M |
| Investing Cash Flow | -783.52M | -105.85M | -157.25M | -126.22M | 33.23M |
| Financing Cash Flow | -332.69M | -193.48M | -86.10M | 9.94M | 10.60M |
Jiayin Group Technical Analysis
Negative
14.86
Price Trends
15.45
Negative
13.27
Positive
10.13
Positive
Market Momentum
0.08
Positive
38.57
Neutral
23.77
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JFIN, the sentiment is Negative. The current price of 14.86 is below the 20-day moving average (MA) of 16.61, below the 50-day MA of 15.45, and above the 200-day MA of 10.13, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 38.57 is Neutral, neither overbought nor oversold. The STOCH value of 23.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JFIN.
Jiayin Group Risk Analysis
Jiayin Group disclosed 100 risk factors in its most recent earnings report. Jiayin Group reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Jiayin Group Peers Comparison
Overall Rating
UnderperformOutperform
Sector (59)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $845.37M | 4.61 | 42.99% | 0.31% | 4.16% | 1.98% | |
75 Outperform | $935.19M | 24.98 | 32.17% | ― | 113.43% | ― | |
69 Neutral | $1.09B | 87.40 | 1.35% | ― | 16.62% | ― | |
67 Neutral | $934.36M | 54.52 | 4.85% | ― | 10.41% | 122.27% | |
60 Neutral | $732.05M | 37.60 | -115.07% | ― | 148.62% | ― | |
59 Neutral | C$3.46B | 8.41 | -17.94% | 5.27% | -2.61% | -25.43% | |
54 Neutral | $719.27M | ― | -18.77% | ― | 12.01% | 35.71% |
* Communication Services Sector Average
Performance Comparison
JFIN
Jiayin Group
14.86
10.02
207.02%
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25.71
-0.05
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Fiverr International
25.77
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15.61%
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MediaAlpha
10.88
-3.71
-25.43%
TBLA
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3.33
-0.12
-3.48%
NXDR
Nextdoor Holdings
1.88
-0.99
-34.49%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.