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Jiayin Group Inc (JFIN)
NASDAQ:JFIN
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Jiayin Group
(NASDAQ:JFIN)
Rating:79Outperform
Price Target:
$15.00
▲(29.31% Upside)
Jiayin Group (JFIN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$619.09M
Dividend Yield6.81%
Average Volume (3M)117.44K
Price to Earnings (P/E)2.8
Beta (1Y)0.63
Revenue Growth8.27%
EPS Growth33.89%
CountryUS
Employees1,028
SectorCommunication Services
Sector Strength96
IndustryInternet Content & Information
Share Statistics
EPS (TTM)1.36
Shares Outstanding26,369,547
10 Day Avg. Volume115,907
30 Day Avg. Volume117,440
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap1.26
Enterprise Value/Revenue0.13
Enterprise Value/Gross Profit0.21
Enterprise Value/Ebitda0.62
Forecast
1Y Price Target
$15.00Price Target Upside29.31% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
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 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 Earnings Call Summary
Earnings Call Date:Aug 20, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Nov 19, 2025
Earnings Call Sentiment Positive
The earnings call revealed strong financial performance with record loan facilitation volumes, significant net income growth, and robust performance in overseas markets. Technological advancements in AI contributed to efficiency gains, and the company made strides in ESG initiatives and shareholder returns. However, increased expenses in sales, marketing, and general administration were noted as challenges.Q2-2025 Updates
Positive Updates
Record Loan Facilitation Volume
The company achieved a loan facilitation volume of RMB 37.1 billion, representing a year-on-year increase of approximately 54.6%, setting a new record.
Significant Increase in Net Income
Net income reached RMB 519 million, a year-on-year increase of approximately 117.8%.
Robust Overseas Market Growth
In Indonesia, loan disbursements increased by over 200% year-on-year and registered users grew by approximately 170%. In Mexico, loan disbursement and registered users both increased by nearly 40% quarter-on-quarter.
Strong ESG and Shareholder Returns
The company released its 2024 ESG report, highlighting progress in sustainable development, and distributed an annual cash dividend with a total amount of approximately USD 41.1 million, representing an increase of over 50% compared to last year.
Technological Advancements in AI
The implementation of AI technology resulted in significant cost reductions and efficiency improvements, with the cost of AI-generated conversation summaries decreasing by approximately 80% year-on-year.
Negative Updates
Increased Sales and Marketing Expenses
Sales and marketing expense increased by 46% from the same period of 2024, primarily due to an increase in borrower acquisition expenses and commission expenses.
Higher General and Administrative Expenses
G&A expense increased by 70% from the same period of 2024, primarily driven by an increase in payroll expenses and share-based compensation.
Allowance for Credible Assets Increase
Allowance for credible assets, loans receivable and others increased to RMB 32.5 million compared with RMB 3.3 million reversal in the second quarter of 2024.
Company Guidance
During Jiayin Group's Second Quarter 2025 Earnings Conference Call, the company provided guidance for the third quarter of 2025, projecting a loan facilitation volume between RMB 32 billion and RMB 34 billion. The non-GAAP income from operations is expected to range from RMB 0.49 billion to RMB 0.56 billion. The company achieved a loan facilitation volume of RMB 37.1 billion in the second quarter, marking a year-on-year increase of approximately 54.6%. Non-GAAP income from operations reached RMB 738 million, up approximately 182% year-on-year, while net income rose to RMB 519 million, a 117.8% increase. Jiayin Group has maintained cooperation with 70 financial institutions and is negotiating with another 58. The company reported a stable 90-day plus delinquency ratio at 1.12% and emphasized ongoing investment in AI technology to enhance operational efficiency and risk management capabilities. The management expects a positive impact from new regulations on the industry, fostering long-term sustainable growth.Jiayin Group Financial Statement Overview
Summary
Jiayin Group demonstrates strong financial health with consistent revenue growth, solid profitability, and robust cash flow generation. The balance sheet is strong with low leverage and high equity levels. However, attention is needed on the slight decline in EBIT margin and fluctuations in capital expenditures.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
11.60
Price Trends
14.54
Negative
13.84
Negative
11.08
Positive
Market Momentum
-0.55
Positive
33.04
Neutral
13.25
Positive
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 11.6 is below the 20-day moving average (MA) of 12.99, below the 50-day MA of 14.54, and above the 200-day MA of 11.08, indicating a neutral trend. The MACD of -0.55 indicates Positive momentum. The RSI at 33.04 is Neutral, neither overbought nor oversold. The STOCH value of 13.25 is Positive, 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 (60)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $619.09M | 2.78 | 48.16% | 6.81% | 8.27% | 33.89% | |
74 Outperform | $859.51M | 18.96 | 34.34% | ― | 92.91% | ― | |
70 Outperform | $999.94M | 91.83 | 1.40% | ― | 12.01% | ― | |
69 Neutral | $873.69M | 49.91 | 5.00% | ― | 12.60% | 64.81% | |
60 Neutral | $46.60B | 4.09 | -11.41% | 4.12% | 1.85% | -42.71% | |
56 Neutral | $842.51M | 35.76 | -115.07% | ― | 116.58% | 62.29% | |
54 Neutral | $801.63M | ― | -14.27% | ― | 9.65% | 56.50% |
* Communication Services Sector Average
Performance Comparison
JFIN
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11.60
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12.40
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NXDR
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2.07
-0.20
-8.81%
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.