Jiayin Group Inc. (JFIN) Financial Ratios
9 years of historical data (2016–2024) · Communication Services · Internet Content & Information
EV/EBITDA
↓
2.48
↑+1345% vs avg
5yr avg: 0.17
30Y Low0.2·High0.3
P/FCF
↓
5.29
↑+919% vs avg
5yr avg: 0.52
30Y Low0.2·High0.8
P/B Ratio
↓
0.57
↓-54% vs avg
5yr avg: 1.24
30Y Low0.1·High4.6
ROE
↓
38.4%
↑-93% vs avg
5yr avg: 532.4%
30Y Low38%·High186%
Debt/EBITDA
↑
0.04
↓-0% vs avg
5yr avg: 0.04
30Y Low0.0·High0.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
JFIN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Jiayin Group Inc. trades at 1.7x earnings, 448% above its 5-year average of 0.3x, sitting at the 100th percentile of its historical range. Compared to the Communication Services sector median P/E of 15.4x, the stock trades at a discount of 89%. On a free-cash-flow basis, the stock trades at 5.3x P/FCF, 919% above the 5-year average of 0.5x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $534M | $338M | $277M | $124M | $119M | $165M | $277M | — | — | — |
| Enterprise Value | $462M | $-150546448 | $-45109880 | $-139778500 | $-28453000 | $56M | $190M | — | — | — |
| P/E Ratio → | 1.69 | 0.32 | 0.21 | 0.10 | 0.25 | 0.65 | 0.52 | — | — | — |
| P/S Ratio | 0.63 | 0.06 | 0.05 | 0.04 | 0.07 | 0.13 | 0.12 | — | — | — |
| P/B Ratio | 0.57 | 0.11 | 0.12 | 0.10 | 4.62 | — | — | — | — | — |
| P/FCF | 5.29 | 0.49 | 0.77 | 0.16 | 0.65 | — | — | — | — | — |
| P/OCF | 2.55 | 0.24 | 0.71 | 0.14 | 0.64 | — | 10.52 | — | — | — |
P/E links to full P/E history page with 30-year chart
JFIN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Jiayin Group Inc.'s enterprise value stands at 2.5x EBITDA, 1345% above its 5-year average of 0.2x. The Communication Services sector median is 9.0x, placing the stock at a 73% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.03 | -0.01 | -0.04 | -0.02 | 0.04 | 0.09 | — | — | — |
| EV / EBITDA | 2.48 | -0.12 | -0.03 | -0.12 | -0.06 | 0.17 | 0.34 | — | — | — |
| EV / EBIT | 2.52 | -0.12 | -0.03 | -0.12 | -0.07 | 0.18 | 0.35 | — | — | — |
| EV / FCF | — | -0.22 | -0.13 | -0.18 | -0.16 | — | — | — | — | — |
JFIN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Jiayin Group Inc. earns an operating margin of 21.5%. Operating margins have compressed from 36.1% to 21.5% over the past 3 years, signaling potential cost pressures or competitive headwinds. Return on equity of 38.4% is exceptionally high. ROIC of 39.9% represents excellent returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 64.9% | 64.9% | 63.2% | 82.7% | 81.1% | 81.6% | 80.9% | 86.1% | 89.8% | 75.8% |
| Operating Margin | 21.5% | 21.5% | 24.4% | 36.1% | 24.3% | 23.2% | 24.0% | 23.8% | 30.5% | -86.8% |
| Net Profit Margin | 18.2% | 18.2% | 23.7% | 36.1% | 26.5% | 19.5% | 23.7% | 21.2% | 24.0% | -65.9% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 38.4% | 38.4% | 71.7% | 186.2% | 1833.4% | — | — | — | — | — |
| ROA | 19.1% | 19.1% | 29.9% | 59.1% | 63.1% | 41.2% | 70.2% | 36.7% | 23.7% | -19.2% |
| ROIC | 39.9% | 39.9% | 65.8% | 207.0% | — | — | — | — | — | — |
| ROCE | 32.2% | 32.2% | 47.5% | 177.8% | 708.2% | — | — | — | — | — |
JFIN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Jiayin Group Inc. carries a Debt/EBITDA ratio of 0.0x, which is very conservative (99% below the sector average of 3.5x). The company holds a net cash position — cash of $541M exceeds total debt of $52M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.02 | 0.02 | 0.02 | 0.02 | 1.37 | — | — | — | — | — |
| Debt / EBITDA | 0.04 | 0.04 | 0.04 | 0.02 | 0.08 | 0.03 | 0.06 | 0.10 | 0.15 | — |
| Net Debt / Equity | — | -0.16 | -0.14 | -0.21 | -5.72 | — | — | — | — | — |
| Net Debt / EBITDA | -0.39 | -0.39 | -0.24 | -0.22 | -0.33 | -0.33 | -0.16 | 0.04 | -0.73 | — |
| Debt / FCF | — | -0.71 | -0.90 | -0.33 | -0.81 | — | — | — | -6.05 | -0.43 |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — |
Net cash position: cash ($541M) exceeds total debt ($52M)
JFIN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Jiayin Group Inc.'s current ratio of 2.15x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 1.60x to 2.15x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.15 | 2.15 | 4.15 | 1.60 | 0.86 | 0.38 | 0.39 | 0.29 | 0.55 | 0.41 |
| Quick Ratio | 2.15 | 2.15 | 4.15 | 1.60 | 0.90 | 0.38 | 0.49 | 0.24 | 0.49 | 0.31 |
| Cash Ratio | 0.27 | 0.27 | 0.29 | 0.17 | 0.20 | 0.12 | 0.14 | 0.02 | 0.14 | 0.04 |
| Asset Turnover | — | 1.07 | 0.97 | 1.08 | 1.83 | 2.47 | 3.18 | 3.59 | 0.89 | 0.29 |
| Inventory Turnover | 279.40 | — | — | 279.40 | — | — | — | 3.10 | 0.84 | 0.29 |
| Days Sales Outstanding | — | 219.62 | 269.23 | 228.22 | 103.00 | 44.37 | 18.04 | 68.38 | 129.61 | 243.72 |
JFIN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Jiayin Group Inc. returns 18.3% to shareholders annually — split between a 16.9% dividend yield and 1.5% buyback yield. The payout ratio of 28.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 59.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 16.9% | 89.0% | 56.5% | — | 2.2% | — | — | — | — | — |
| Payout Ratio | 28.5% | 28.5% | 12.1% | — | 0.5% | — | — | 65.4% | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 59.2% | 312.1% | 468.0% | 953.0% | 396.4% | 153.4% | 190.9% | — | — | — |
| FCF Yield | 18.9% | 202.9% | 129.2% | 642.8% | 152.9% | — | — | — | — | — |
| Buyback Yield | 1.5% | 15.7% | 13.7% | 11.9% | 0.0% | 0.0% | 0.0% | — | — | — |
| Total Shareholder Yield | 18.3% | 100.0% | 70.3% | 11.9% | 2.2% | 0.0% | 0.0% | — | — | — |
| Shares Outstanding | — | $53M | $53M | $54M | $54M | $54M | $53M | $50M | $50M | $50M |
Peer Comparison
Compare JFIN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 JFINYou | $534M | 1.7 | 2.5 | 5.3 | 64.9% | 21.5% | 38.4% | 39.9% | 0.0 |
 QFIN | $4B | 2.1 | 3.0 | 2.8 | 61.8% | 43.9% | 27.1% | 23.1% | 0.2 |
 LX | $147M | 2.2 | 1.6 | 1.2 | 35.4% | 16.1% | 10.8% | 11.0% | 2.2 |
 FINV | $3B | 3.8 | 5.8 | 6.9 | 79.3% | 19.4% | 16.2% | 12.9% | 0.0 |
 YRD | $350M | 0.8 | -0.8 | 1.7 | 84.8% | 28.4% | 18.0% | 14.0% | 0.0 |
 NTES | $74B | 15.6 | 12.4 | 10.4 | 64.3% | 31.8% | 21.3% | 23.3% | 0.2 |
 KC | $4B | -13.4 | — | — | 17.2% | -22.3% | -30.8% | -17.7% | — |
 TIGR | $628M | 17.9 | 2.8 | 0.8 | 65.0% | 35.6% | 10.5% | 13.8% | 1.2 |
 FUTU | $52B | 29.2 | 58.9 | 13.1 | 82.0% | 48.7% | 20.7% | 14.8% | 1.3 |
 BEKE | $61B | 36.3 | 89.9 | 49.7 | 24.6% | 4.0% | 5.7% | 3.7% | 4.7 |
 TREE | $552M | 3.7 | 8.7 | 9.1 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
| Communication Services Median | — | 15.4 | 9.0 | 11.8 | 48.3% | 0.7% | 2.2% | 3.0% | 3.5 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 9 years · Updated daily
See JFIN's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs JFIN Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare JFIN vs QFIN
Side-by-side business, growth, and profitability comparison vs Qfin Holdings, Inc..
Start ComparisonJFIN — Frequently Asked Questions
Quick answers to the most common questions about buying JFIN stock.
What is Jiayin Group Inc.'s P/E ratio?
Jiayin Group Inc.'s current P/E ratio is 1.7x. The historical average is 0.3x. This places it at the 100th percentile of its historical range.
What is Jiayin Group Inc.'s EV/EBITDA?
Jiayin Group Inc.'s current EV/EBITDA is 2.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 0.3x.
What is Jiayin Group Inc.'s ROE?
Jiayin Group Inc.'s return on equity (ROE) is 38.4%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 98.7%.
Is JFIN stock overvalued?
Based on historical data, Jiayin Group Inc. is trading at a P/E of 1.7x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Jiayin Group Inc.'s dividend yield?
Jiayin Group Inc.'s current dividend yield is 16.87% with a payout ratio of 28.5%.
What are Jiayin Group Inc.'s profit margins?
Jiayin Group Inc. has 64.9% gross margin and 21.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Jiayin Group Inc. have?
Jiayin Group Inc.'s Debt/EBITDA ratio is 0.0x, indicating low leverage. A ratio below 2x is generally considered financially healthy.