Jiayin Group (JFIN)
NASDAQ:JFIN
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Jiayin Group
(NASDAQ:JFIN)
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Rating:67Neutral
Price Target:
$4.50
▼(-37.50% Downside)
Action:Reiterated
Date:05/23/26
The score is led by strong underlying profitability/cash generation and very attractive valuation (low P/E and high dividend yield). These positives are offset by weak technicals (downtrend and negative momentum) and a mixed earnings-call outlook, with Q4 pressure, liquidity concerns, and regulatory headwinds weighing on near-term confidence.
Positive Factors
High and sustainable profitability
Jiayin demonstrates durable profitability with very high gross margins (~80%) and strong EBIT (~30%) that drove a full-year net margin of ~24.7% in 2025. Such structural margins provide cushion against cyclical volume swings and support reinvestment, shareholder returns and long-term cash generation.
Negative Factors
Regulatory and industry liquidity tightening
Structural regulatory tightening and reduced sector liquidity force a compliance-first approach that compresses volumes and pricing. These elevated regulatory constraints can persist for multiple quarters, limiting origination growth and keeping margins under pressure until industry-level funding and rules stabilize.
Read all positive and negative factors
Positive Factors
Negative Factors
High and sustainable profitability
Jiayin demonstrates durable profitability with very high gross margins (~80%) and strong EBIT (~30%) that drove a full-year net margin of ~24.7% in 2025. Such structural margins provide cushion against cyclical volume swings and support reinvestment, shareholder returns and long-term cash generation.
Read all positive factors
Jiayin Group (JFIN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$208.27M
Dividend Yield11.97%
Average Volume (3M)50.50K
Price to Earnings (P/E)5.3
Beta (1Y)0.88
Revenue Growth7.45%
EPS Growth46.54%
CountryUS
Employees1,028
SectorFinancial
Sector Strength70
IndustryInternet Content & Information
Share Statistics
EPS (TTM)29.28
Shares Outstanding25,329,546
10 Day Avg. Volume61,668
30 Day Avg. Volume50,499
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 Cap9.85
Enterprise Value/Revenue0.33
Enterprise Value/Gross Profit0.41
Enterprise Value/Ebitda1.14
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. 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 institutio...
How the Company Makes Money
Jiayin Group primarily makes money by earning service fees for enabling and managing consumer loans rather than mainly earning interest spread as a lender. Key revenue streams typically include: (1) loan facilitation and related service fees charg...
Jiayin Group Earnings Call Summary
Earnings Call Date:Mar 31, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Jun 10, 2026
Earnings Call Sentiment Neutral
The call presents a balanced picture: strong full-year growth in loan facilitation, revenue and net income and notable progress in international expansion, AI strategy and shareholder returns are positive. However, Q4 showed pronounced declines in quarterly revenue, operating income and cash balances, driven by regulatory tightening, liquidity pressure and deliberate de-risking that compressed margins and volumes. Management emphasizes a disciplined, compliance-first stance and early signs of stabilization in asset quality, but near-term headwinds persist.Positive Updates
Full-Year Revenue and Profit Growth
Full-year 2025 revenue of RMB 6.22 billion, up ~7.3% year-over-year, and net income of RMB 1.54 billion, up ~45.4% year-over-year, representing a full-year net margin of 24.7% — demonstrating strong full-year operational resilience.
Negative Updates
Q4 Revenue and Net Income Declines
Q4 2025 net revenue was RMB 1,090.2 million, down 22.4% year-over-year, and Q4 net income was RMB 100.6 million versus RMB 275.5 million in Q4 2024 (a decline of ~63.5%), signaling near-term margin pressure.
Read all updates
Q4-2025 Updates
Positive
Negative
Full-Year Revenue and Profit Growth
Full-year 2025 revenue of RMB 6.22 billion, up ~7.3% year-over-year, and net income of RMB 1.54 billion, up ~45.4% year-over-year, representing a full-year net margin of 24.7% — demonstrating strong full-year operational resilience.
Read all positive updates
Company Guidance
Management guided Q1 2026 loan facilitation volume of RMB 18.5–19.5 billion, reiterated a prudent, compliance‑first stance with quarterly target reviews and expectations of medium‑to‑long‑term high‑quality moderate growth, and flagged a goal to double overseas scale in 2026 as international markets move toward profitability; they also cited FY2025 results (facilitation RMB 129 billion, +~28% YoY; revenue RMB 6.22 billion, +7.3% YoY; net income RMB 1.54 billion, +45.4%, net margin 24.7%), Q4 pressures (Q4 facilitation RMB 24.2 billion, −12.6% YoY; net revenue RMB 1,090.2 million, −22.4% YoY; Q4 net income RMB 100.6 million, net margin ~9.2%; EPS RMB 0.49; ADS RMB 1.96), a Q4 90+‑day delinquency of 2.03% and an internal ~25–30% improvement in risk metrics, repeat borrowing now 79.4% of volume (+6.7 pp YoY), strong overseas growth (Indonesia facilitation +187% YoY, users +119% YoY; Mexico facilitation +105% YoY, users +110% YoY), and continued shareholder returns (2025 cash dividends USD 41.1 million, >50% YoY; repurchase program quota ≥USD 80 million with ~4.6M ADS repurchased for ~USD 30.4 million).Jiayin Group Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
66
Positive
| Breakdown | Dec 2025 | 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
Negative
7.20
Price Trends
4.75
Negative
5.64
Negative
7.74
Negative
Market Momentum
-0.16
Positive
28.32
Positive
13.81
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 7.2 is above the 20-day moving average (MA) of 4.64, above the 50-day MA of 4.75, and below the 200-day MA of 7.74, indicating a bearish trend. The MACD of -0.16 indicates Positive momentum. The RSI at 28.32 is Positive, neither overbought nor oversold. The STOCH value of 13.81 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | $667.85M | 7.42 | 53.39% | ― | 24.49% | 181.60% | |
79 Outperform | $1.34B | 3.70 | 11.91% | ― | 9.62% | 880.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $208.27M | 5.27 | 37.65% | 11.97% | 7.45% | 46.54% | |
64 Neutral | $770.40M | -11.86 | -10.32% | ― | 6.78% | 52.54% | |
63 Neutral | $398.69M | 10.52 | 7.03% | ― | 5.94% | 56.89% | |
55 Neutral | $529.36M | 11.32 | -568.82% | ― | 15.66% | 138.39% |
* Financial Sector Average
JFIN
Jiayin Group
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Jiayin Group Corporate Events
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...
Jiayin Group Posts Strong 2025 Growth Despite Q4 Hit From China Fintech Rules
Mar 31, 2026
Jiayin Group reported on March 31, 2026 that its fourth-quarter 2025 results were hit by China’s newly implemented regulatory framework, with loan facilitation volume in the period falling 12.6% year on year to RMB24.2 billion and net revenu...
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.