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Jiayin Group
(NASDAQ:JFIN)
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Rating:62Neutral
Price Target:
$3.00
â–²(14.94% Upside)
Action:Reiterated
Date:06/24/26
The score is held back primarily by weak technicals (strong downtrend signals) and a challenging near-term outlook from the latest earnings call (sharp YoY contraction, losses, and soft guidance). These are partially offset by solid historical financial profitability/leverage metrics and very cheap valuation (ultra-low P/E and high dividend yield), which support upside potential if fundamentals stabilize.
Positive Factors
High Profitability
Sustained very high gross and operating margins indicate strong unit economics from the platform model. Durable margins support reinvestment in technology, underwriting and international expansion, and provide cushion to absorb cyclical volume shocks while preserving long-term cash generation.
Negative Factors
Revenue & Volume Collapse
A steep, sustained decline in transaction volume and revenue signals structural demand and regulatory headwinds that reduce core fee pools. Lower throughput undermines take-rate economics, stresses operating leverage, and makes prior profitability dependent on durable recovery in loan origination activity.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Sustained very high gross and operating margins indicate strong unit economics from the platform model. Durable margins support reinvestment in technology, underwriting and international expansion, and provide cushion to absorb cyclical volume shocks while preserving long-term cash generation.
Read all positive factors
Jiayin Group (JFIN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$113.03M
Dividend Yield36.57%
Average Volume (3M)96.01K
Price to Earnings (P/E)0.8
Beta (1Y)1.11
Revenue Growth-13.48%
EPS Growth-27.51%
CountryUS
Employees1,155
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)18.00
Shares Outstanding25,329,546
10 Day Avg. Volume66,189
30 Day Avg. Volume96,006
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Jiayin Group Business Overview & Revenue Model
Company Description
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 connectio...
How the Company Makes Money
Jiayin Group primarily makes money by providing technology-driven facilitation and servicing for consumer loans rather than by directly lending at scale. Its key revenue streams typically include: (1) loan facilitation-related fees charged for mat...
Jiayin Group Earnings Call Summary
Earnings Call Date:Jun 23, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 26, 2026
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.Positive Updates
High Repeat Borrower Engagement
Repeat borrowing accounted for 76.3% of transaction volume, up 4.4 percentage points year-over-year, indicating stronger engagement and retention among existing higher-quality borrowers.
Negative Updates
Sharp Decline in Transaction Volume
Total transaction volume was RMB 19.3 billion for Q1 2026, a year-over-year decrease of 45.8%, reflecting large contraction in lending activity amid industry headwinds and regulatory impacts.
Read all updates
Q1-2026 Updates
Positive
Negative
High Repeat Borrower Engagement
Repeat borrowing accounted for 76.3% of transaction volume, up 4.4 percentage points year-over-year, indicating stronger engagement and retention among existing higher-quality borrowers.
Read all positive updates
Company Guidance
The company guided Q2 2026 transaction volume of RMB 9.5–10.5 billion and reiterated shareholder returns by extending its share repurchase program through June 12, 2027 with approximately $49.6 million remaining; management said it expects improved cash flow next quarter after recent cost controls and will remain prudent amid macro uncertainty, prioritizing disciplined operations to build a durable moat. For context, Q1 results included RMB 19.3 billion transaction volume (‑45.8% YoY), RMB 756.7 million net revenue (‑57.4% YoY), a net loss of ~RMB 61.7 million and non‑GAAP loss from operations of RMB 70.1 million, ending cash and cash equivalents of RMB 43.4 million, repeat borrowing contribution of 76.3%, and a 90+ day delinquency ratio of 2.25%.Jiayin Group Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
66
Positive
| Breakdown | Mar 2026 | Dec 2024 | Dec 2023 | Dec 2022 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 865.58M | 5.80B | 5.47B | 3.27B | 1.78B |
| Gross Profit | 673.94M | 3.77B | 3.46B | 2.71B | 1.44B |
| EBITDA | 270.47M | 1.27B | 1.34B | 1.19B | 447.63M |
| Net Income | 213.64M | 1.06B | 1.30B | 1.18B | 472.09M |
Balance Sheet | |||||
| Total Assets | 8.76B | 5.41B | 5.64B | 3.02B | 971.43M |
| Cash, Cash Equivalents and Short-Term Investments | 61.84M | 540.52M | 370.19M | 291.02M | 182.55M |
| Total Debt | 700.63M | 51.68M | 63.53M | 27.46M | 35.24M |
| Total Liabilities | 4.32B | 2.28B | 3.26B | 1.78B | 945.68M |
| Stockholders Equity | 4.43B | 3.13B | 2.38B | 1.24B | 27.86M |
Cash Flow | |||||
| Free Cash Flow | 622.27M | 686.36M | 358.05M | 795.68M | 181.77M |
| Operating Cash Flow | 1.26B | 1.43B | 389.59M | 915.37M | 184.54M |
| Investing Cash Flow | -1.95B | -783.52M | -105.85M | -157.25M | -126.22M |
| Financing Cash Flow | 487.17M | -332.69M | -193.48M | -86.10M | 9.94M |
Jiayin Group Technical Analysis
Neutral
2.61
Price Trends
3.15
Negative
3.93
Negative
5.57
Negative
Market Momentum
-0.20
Negative
47.41
Neutral
84.83
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JFIN, the sentiment is Neutral. The current price of 2.61 is above the 20-day moving average (MA) of 2.43, below the 50-day MA of 3.15, and below the 200-day MA of 5.57, indicating a neutral trend. The MACD of -0.20 indicates Negative momentum. The RSI at 47.41 is Neutral, neither overbought nor oversold. The STOCH value of 84.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $1.18B | 3.72 | 5.33% | 6.44% | 0.84% | -12.02% | |
73 Outperform | $193.09M | 0.22 | 13.37% | 11.69% | 5.56% | -27.35% | |
69 Neutral | $245.66M | 1.15 | 12.18% | 25.81% | -3.40% | 8.62% | |
69 Neutral | $1.68B | 1.74 | 20.88% | 11.36% | 5.63% | -16.83% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $113.03M | 0.81 | 21.99% | 36.57% | -13.48% | -27.51% | |
54 Neutral | $96.95M | -0.32 | -7.18% | 37.29% | -13.83% | -154.13% |
* Financial Sector Average
JFIN
Jiayin Group
2.61
-9.77
-78.92%
YRD
Yiren Digital
1.26
-4.22
-77.01%
FINV
FinVolution Group
4.86
-3.85
-44.23%
LX
Lexinfintech Holdings
1.46
-4.39
-75.04%
XYF
X Financial
5.30
-7.28
-57.87%
QFIN
Qifu Technology
13.24
-17.47
-56.89%
Jiayin Group Corporate Events
Jiayin Group Announces Board and Chief Risk Officer Resignations
Jul 23, 2026
Jiayin Group reported that on July 20, 2026, board member Xiaojing Lu resigned from the company’s board of directors, simultaneously stepping down from the compensation committee and the nominating and corporate governance committee, with th...
Jiayin Group Appoints Fintech Veteran Xiaojing Lu to Board as Director
Jul 2, 2026
On July 1, 2026, Jiayin Group Inc. implemented a board reshuffle, appointing Xiaojing Lu as a director as well as a member of its compensation and nominating and corporate governance committees. On the same date, director Yifang Xu stepped down fr...
Jiayin Group Swings to First-Quarter Loss as Loan Volumes Slide, Extends Share Buyback Plan
Jun 23, 2026
On June 23, 2026, Jiayin Group reported unaudited results for the first quarter ended March 31, 2026, showing that transaction volume in mainland China fell 45.8% year on year to RMB19.3 billion and net revenue dropped 57.4% to RMB756.7 million. T...
Jiayin Group Names New Chief Risk Officer to Strengthen Risk Management
May 15, 2026
Jiayin Group Inc., a Chinese fintech platform listed on Nasdaq, announced on May 15, 2026, that it will appoint Dan Qi as its new Chief Risk Officer effective June 1, 2026. The move follows the resignation of current CRO Yifang Xu for personal rea...
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.