Jiayin Group (JFIN) AI Stock Analysis

• Market Cap: $359.18M
• Dividend Yield: 11.38%
• Average Volume (3M): 195.41K
• Price to Earnings (P/E): 1.5
• Beta (1Y): 0.79
• Revenue Growth: 7.88%
• EPS Growth: 48.76%
• Country: US
• Employees: 1,028
• Sector: Communication Services
• Sector Strength: 97
• Industry: Internet Content & Information
• EPS (TTM): 1.03
• Shares Outstanding: 26,369,547
• 10 Day Avg. Volume: 430,565
• 30 Day Avg. Volume: 195,412
• PEG Ratio: -0.13
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 0.43
• P/FCF Ratio: 3.60
• Enterprise Value/Market Cap: 1.30
• Enterprise Value/Revenue: 0.07
• Enterprise Value/Gross Profit: 0.09
• Enterprise Value/Ebitda: 0.22
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $8.00 ▲(11.11% Upside)

Jiayin Group's strong financial performance and attractive valuation are key strengths, contributing positively to the overall score. However, technical analysis indicates bearish momentum, which poses a risk. The positive sentiment from the earnings call, highlighting growth and technological advancements, supports the stock's potential despite regulatory challenges.

Positive Factors

Revenue Growth

The significant increase in loan facilitation volume indicates strong demand for Jiayin's services, suggesting potential for sustained revenue growth and market expansion.

Technological Advancements

Advancements in AI technology enhance operational efficiency and risk management, providing a competitive edge in the fintech sector.

Overseas Market Expansion

The rapid expansion in overseas markets, such as Indonesia, diversifies revenue streams and reduces dependency on domestic markets, supporting long-term growth.

Negative Factors

Regulatory Challenges

Regulatory changes can impact pricing strategies and profit margins, posing challenges to maintaining current levels of profitability in the long term.

Cash and Cash Equivalents Decline

A significant decline in cash reserves may limit financial flexibility and ability to invest in growth opportunities, affecting future operations.

Increased Administrative Expenses

Rising administrative costs, particularly from share-based compensation, can pressure margins and reduce profitability if not managed effectively.

Jiayin Group Business Overview & Revenue Model

Company Description

Jiayin Group (JFIN) is a China-based online consumer finance platform that primarily offers personal loans to individuals. The company operates in the fintech sector, leveraging technology to provide financial services tailored to meet the needs of its clients. Jiayin Group's core products include online loan origination and servicing, as well as credit assessment services, facilitating quick and efficient access to funds for consumers in need of financial support.

How the Company Makes Money

Jiayin Group generates revenue through interest income on the loans it provides to consumers, as well as fees associated with loan origination and servicing. The company earns a significant portion of its income from the interest charged on the loans, which varies based on the risk profile of the borrowers. Additionally, Jiayin Group may earn revenue from partnerships with financial institutions, which can involve referral fees or revenue-sharing agreements for customers directed to these partners. The company's revenue model is heavily influenced by its ability to manage credit risk effectively and maintain a strong loan portfolio.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	6.54B	5.80B	5.47B	3.27B	1.78B	1.30B
Gross Profit	5.29B	3.77B	3.46B	2.71B	1.44B	1.06B
EBITDA	2.10B	1.27B	1.34B	1.19B	447.63M	325.26M
Net Income	1.71B	1.06B	1.30B	1.18B	472.09M	252.88M
Balance Sheet
Total Assets	7.91B	5.41B	5.64B	3.02B	971.43M	525.37M
Cash, Cash Equivalents and Short-Term Investments	124.15M	540.52M	370.19M	291.02M	182.55M	117.32M
Total Debt	35.95M	51.68M	47.96M	27.46M	35.24M	8.39M
Total Liabilities	3.61B	2.28B	3.26B	1.78B	945.68M	989.14M
Stockholders Equity	4.30B	3.13B	2.38B	1.24B	27.86M	-461.62M
Cash Flow
Free Cash Flow	0.00	686.36M	358.05M	795.68M	181.77M	-36.35M
Operating Cash Flow	0.00	1.43B	389.59M	915.37M	184.54M	-35.51M
Investing Cash Flow	0.00	-783.52M	-105.85M	-157.25M	-126.22M	33.23M
Financing Cash Flow	0.00	-332.69M	-193.48M	-86.10M	9.94M	10.60M

Jiayin Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 7.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: 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 7.2 is below the 20-day moving average (MA) of 8.11, below the 50-day MA of 9.34, and below the 200-day MA of 11.93, indicating a bearish trend. The MACD of -0.75 indicates Positive momentum. The RSI at 27.30 is Positive, neither overbought nor oversold. The STOCH value of 21.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JFIN.

Jiayin Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JFIN	73 Outperform	$359.18M	1.49	47.06%	11.38%	7.88%	48.76%
EVER	73 Outperform	$968.65M	18.83	36.81%	―	57.83%	293.63%
TBLA	67 Neutral	$1.17B	55.85	2.63%	―	10.96%	―
FVRR	63 Neutral	$776.36M	35.93	6.18%	―	12.68%	133.00%
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
MAX	59 Neutral	$828.99M	―	―	―	64.86%	-112.92%
NXDR	51 Neutral	$674.43M	―	-14.07%	―	6.65%	50.32%

Jiayin Group Corporate Events

Jiayin Group Reports Robust Q3 2025 Financial Growth

Jiayin Group Inc. reported its unaudited financial results for the third quarter of 2025, highlighting a 20.6% increase in loan facilitation volume to RMB32.2 billion and a 39.7% rise in net income to RMB376.5 million compared to the same period in 2024. The company has focused on enhancing operational resilience and risk management, achieving significant growth in income from operations and maintaining a strong position in the fintech industry despite macroeconomic uncertainties.

Jiayin Group Secures RMB600 Million Loan Facility

On November 6, 2025, Jiayin Group Inc.’s subsidiary, Shanghai Jirongzhicheng Enterprise Development Co., Ltd., entered into a loan facility agreement with financial institutions for up to RMB600 million, maturing on November 11, 2032. This loan, secured by mortgaging commercial property and pledging equity, will be used as general working capital, potentially enhancing Jiayin’s operational capacity and market positioning.