Jiayin Group (JFIN) AI Stock Analysis

• Market Cap: $661.78M
• Dividend Yield: 5.83%
• Average Volume (3M): 90.97K
• Price to Earnings (P/E): 3.6
• Beta (1Y): 0.59
• Revenue Growth: 4.16%
• EPS Growth: 1.98%
• Country: US
• Employees: 1,028
• Sector: Communication Services
• Sector Strength: 93
• Industry: Internet Content & Information
• EPS (TTM): 1.39
• Shares Outstanding: 26,369,547
• 10 Day Avg. Volume: 68,958
• 30 Day Avg. Volume: 90,970
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 0.12
• Enterprise Value/Gross Profit: 0.18
• Enterprise Value/Ebitda: 0.55
• 1Y Price Target: $15.50
• Price Target Upside: 14.31% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 77 Outperform
• Price Target: $15.50 ▲(14.31% Upside)

Jiayin Group's overall stock score is driven by strong financial performance and positive earnings call insights, highlighting robust growth and profitability. The attractive valuation further supports the score, while technical analysis indicates some short-term bearish trends. The absence of notable corporate events keeps the focus on these primary factors.

Jiayin Group Business Overview & Revenue Model

Company Description

Jiayin Group Inc. (JFIN) is a leading online consumer finance platform based in China. The company primarily operates in the financial technology sector, providing a range of financial services including personal loans, credit assessment, and risk management solutions. Jiayin leverages technology to connect borrowers with lenders, facilitating seamless transactions and promoting financial inclusion for underserved individuals and small businesses across the country.

How the Company Makes Money

Jiayin Group generates revenue primarily through interest income on the loans it facilitates. The company charges borrowers interest on the loans provided, which typically includes origination fees and other service fees. Additionally, Jiayin earns revenue from various service fees associated with loan facilitation, including credit assessment and risk management services. Partnerships with financial institutions and investor platforms also contribute to its revenue by expanding its lending capabilities and enhancing its loan offerings. The company's ability to effectively assess risk and manage borrower relationships is crucial in maintaining its revenue streams.

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.

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.

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.

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

• Technical Analysis Sentiment: Positive
• Last Price: 13.56
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JFIN, the sentiment is Positive. The current price of 13.56 is below the 20-day moving average (MA) of 14.42, below the 50-day MA of 15.61, and above the 200-day MA of 10.51, indicating a neutral trend. The MACD of -0.89 indicates Positive momentum. The RSI at 42.30 is Neutral, neither overbought nor oversold. The STOCH value of 33.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JFIN.

Jiayin Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JFIN	77 Outperform	$661.78M	3.61	42.99%	5.83%	4.16%	1.98%
EVER	73 Outperform	$858.42M	18.94	34.34%	―	92.91%	―
TBLA	72 Outperform	$942.75M	86.38	1.40%	―	12.01%	―
FVRR	67 Neutral	$805.49M	46.01	5.00%	―	12.60%	64.81%
Sector *	56 Neutral	HK$65.29B	0.35	-5.00%	5.27%	-0.87%	-13.95%
NXDR	51 Neutral	$723.07M	―	-14.27%	―	9.65%	56.50%
MAX	50 Neutral	$645.01M	35.76	-115.07%	―	116.58%	62.29%