Jiayin Group (JFIN)
NASDAQ:JFIN
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Jiayin Group
(NASDAQ:JFIN)
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Rating:73Outperform
Price Target:
$7.50
▲(4.17% Upside)
Action:ReiteratedDate:11/25/25
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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Jiayin Group (JFIN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$288.73M
Dividend Yield11.97%
Average Volume (3M)47.39K
Price to Earnings (P/E)2.5
Beta (1Y)0.91
Revenue Growth3.79%
EPS Growth50.06%
CountryUS
Employees1,028
SectorCommunication Services
Sector Strength97
IndustryInternet Content & Information
Share Statistics
EPS (TTM)1.02
Shares Outstanding26,369,547
10 Day Avg. Volume54,095
30 Day Avg. Volume47,394
Financial Highlights & Ratios
PEG Ratio-0.13
Price to Book (P/B)0.79
Price to Sales (P/S)0.43
P/FCF Ratio3.60
Enterprise Value/Market Cap6.33
Enterprise Value/Revenue0.28
Enterprise Value/Gross Profit0.35
Enterprise Value/Ebitda0.87
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 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 lo...
Jiayin Group Earnings Call Summary
Earnings Call Date:Nov 25, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Mar 31, 2026
Earnings Call Sentiment Positive
The earnings call highlighted strong growth in loan facilitation, significant advancements in AI technology, and robust net income growth. However, challenges such as regulatory impacts, pricing pressure, and a notable decline in cash and cash equivalents were also discussed.Positive Updates
Strong Loan Facilitation Growth
The company facilitated RMB 32.2 billion in loan volume, a year-on-year increase of approximately 20.6%.
Negative Updates
Cash and Cash Equivalents Decline
Cash and cash equivalents decreased from RMB 316.2 million at the end of the previous quarter to RMB 124.2 million.
Read all updates
Q3-2025 Updates
Positive
Negative
Strong Loan Facilitation Growth
The company facilitated RMB 32.2 billion in loan volume, a year-on-year increase of approximately 20.6%.
Read all positive updates
Company Guidance
In the third quarter of 2025, Jiayin Group Inc. reported robust financial performance, achieving a loan facilitation volume of RMB 32.2 billion, marking a 20.6% year-over-year increase. The company's non-GAAP income from operations rose approximately 50.3% year-over-year to RMB 190 million, aligning with its previously issued guidance. Despite the regulatory changes in October, which exerted downward pressure on pricing, the company maintained a net profit margin of 25.6% for the quarter. Jiayin Group's strategic efforts led to a significant increase in repeat borrowers, accounting for 78.6% of facilitation volume, while the average borrowing amount per transaction grew by 19.5% to RMB 9,115. The company projects its Q4 loan facilitation volume at RMB 23-25 billion, aiming for a full-year volume between RMB 127.8 billion and RMB 129.8 billion, reflecting a year-over-year growth of 26.8% to 28.8%. Additionally, the full-year non-GAAP operating profit guidance is set at RMB 1.99 billion to RMB 2.06 billion, indicating a growth of 52.3% to 57.6%.Jiayin Group Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
72
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
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
Negative
7.20
Price Trends
6.40
Negative
6.92
Negative
10.13
Negative
Market Momentum
-0.28
Positive
27.75
Positive
8.13
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 6.06, above the 50-day MA of 6.40, and below the 200-day MA of 10.13, indicating a bearish trend. The MACD of -0.28 indicates Positive momentum. The RSI at 27.75 is Positive, neither overbought nor oversold. The STOCH value of 8.13 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 (60)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $575.03M | 9.83 | 54.21% | ― | 57.83% | 293.63% | |
73 Outperform | $288.73M | 2.50 | 45.63% | 11.97% | 3.79% | 50.06% | |
64 Neutral | $360.59M | 34.17 | 5.27% | ― | 12.68% | 133.00% | |
61 Neutral | $849.45M | 33.98 | 4.51% | ― | 10.96% | ― | |
60 Neutral | $48.67B | 4.58 | -11.27% | 4.14% | 2.83% | -41.78% | |
55 Neutral | $608.84M | 28.43 | -477.82% | ― | 64.86% | -112.92% | |
51 Neutral | $546.69M | -14.97 | -12.56% | ― | 6.65% | 50.32% |
* Communication Services Sector Average
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Jiayin Group Corporate Events
Jiayin Group Reports Robust Q3 2025 Financial Growth
Nov 25, 2025
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 i...
Jiayin Group Secures RMB600 Million Loan Facility
Nov 12, 2025
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 l...
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.