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JFIN
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JFINJiayin Group Inc.
$1.43$74M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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JFIN logo

Jiayin Group Inc.

JFIN
NASDAQ · Consumer Finance
$1.43
At close - Nov 6, 4:00 PM EST - USD
Market Cap$74M
P/E2.2x
52W High$9.76
Volume25.48K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2025Q4

Revenue Contraction Challenges Jiayin Group Profitability Model

Jiayin Group faces a critical inflection point as revenue growth plummeted to -23.4% in 2025Q4, signaling significant headwinds for its core loan facilitation business.

GrowthDecelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

JFIN price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-80% Peers

P/E is 80% below peer median

03

Market leadership

RS 13 · Lag

Laggard (Underperforming 87% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 25

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
JFIN-76.25%
S&P 500 (^GSPC)+7.63%
1-Year Return
JFIN-83.79%
S&P 500 (^GSPC)+9.69%
3-Year Return
JFIN-38.88%
S&P 500 (^GSPC)+66.09%
5-Year Return
JFIN-11.10%
S&P 500 (^GSPC)+54.03%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
2.2x
Forward P/EExpansion
0.1x
EV/EBITDA100th %ile
4.1x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
2.2x
0.3x
100th· High
EV/EBITDA
4.1x
2.9x
100th· High
Price/FCF
N/A
0.5x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$866M-85.1% YoY
Net income FY25
$214M-79.8% YoY
Free cash flow FY25
$622M-9.3% YoY
Operating margin FY25
28.9%+7.4 pts YoY
ROIC (FY25)4.9%
Avg ROIC 5Y79.3%
ROE (TTM)5.3%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (82%)
Revenue Beat Rate12/12 (100%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 28, 2026
-$0.13-176.2%
vs $0.17
$109M+103.4%
vs $53M
Q3 2026
Jun 23, 2026
-$0.16-193.7%
vs $0.17
$109M+104.7%
vs $53M
Q2 2026
Mar 31, 2026
$0.28+64.0%
vs $0.17
$154M+188.0%
vs $53M
Q4 2025
Nov 25, 2025
$1.04+235.2%
vs $0.31
$206M+206.4%
vs $67M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Defense World·3d ago
Financial Survey: LendingTree (NASDAQ:TREE) and Jiayin Group (NASDAQ:JFIN)

LendingTree (NASDAQ: TREE - Get Free Report) and Jiayin Group (NASDAQ: JFIN - Get Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, dividends, earnings, profitability, analyst recommendations, institutional ownership and valuation. Analyst Recommendations This is a breakdown of current

Defense World·Sep 2, 2026
Head-To-Head Survey: LendingClub (NYSE:LC) versus Jiayin Group (NASDAQ:JFIN)

Jiayin Group (NASDAQ: JFIN - Get Free Report) and LendingClub (NYSE: LC - Get Free Report) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, earnings, valuation, institutional ownership, dividends, analyst recommendations and risk. Earnings and Valuation This table compares Jiayin Group and

Seeking Alpha·Aug 28, 2026
Jiayin Group Inc. (JFIN) Q2 2026 Earnings Call Transcript

Jiayin Group Inc. (JFIN) Q2 2026 Earnings Call Transcript

MarketBeat·Aug 28, 2026
Jiayin Group Q2 Earnings Call Highlights

Jiayin Group NASDAQ: JFIN reported sharply lower second-quarter results as tighter industry liquidity and its own business restructuring reduced transaction volume, while the company expanded overseas operations and continued investing in technology and artificial intelligence capabilities.

Filtered for Jiayin Group Inc.More Headlines
04

Compare before deciding

Benchmark JFIN against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Jiayin Group Inc. (JFIN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
JFIN logoJFINJiayin Group Inc.Current
$1.43$74.31M2.16-85.08%5.72%5.34%22.07%
QFIN logoQFINQfin Holdings, Inc.
$5.58$726.43M1.42-6.31%23.45%15.33%27.23%
LX logoLXLexinFintech Holdings Ltd.
$0.66$111.49M0.71-11.61%8.07%8.64%48.98%
FINV logoFINVFinVolution Group
$2.94$730.29M2.591.03%14.53%4.49%9.76%
YRD logoYRDYiren Digital Ltd.
$0.37$32.25M-0.14-4.03%-34.67%-16.93%100%
NTES logoNTESNetEase, Inc.
$129.45$82.64B17.126.96%27.89%19.48%2.41%

Compare JFIN vs Peers

Jiayin Group Inc. (JFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs QFIN

Most directly comparable listed peer for JFIN.

Scale Benchmark

vs NTES

Larger-name benchmark to compare JFIN against a more recognizable public peer.

Peer Set

Compare Top 5

vs QFIN, LX, FINV, YRD

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JFIN Frequently Asked Questions

Jiayin Group Inc. (JFIN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Jiayin Group Inc.'s revenue?

Jiayin Group Inc. (JFIN) reported $4.03B in revenue over the trailing twelve months. Revenue was $865.6M in fiscal year 2025. That is 46% more than the $591.1M of fiscal year 2016.

How fast is Jiayin Group Inc. growing?

Jiayin Group Inc. (JFIN) revenue fell by 38.0% over the trailing twelve months, compared with the twelve months before.

Is JFIN profitable?

Yes. Jiayin Group Inc. (JFIN) earned $230.9M in net income over the trailing twelve months (a 5.7% net margin).

Dividend & Returns
Does JFIN pay dividends?

Yes. Jiayin Group Inc. (JFIN) pays a dividend that yields 22.07% at the current price, a high yield.

What is JFIN's return on equity?

Jiayin Group Inc. (JFIN) had a return on equity (ROE) of 5.3% over the trailing twelve months. That is below the market's typical 10-15%.

What if you invested $1,000 in JFIN back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

See returns →