9 years of historical data (2016–2024) · Communication Services · Internet Content & Information
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Jiayin Group Inc. trades at 2.2x earnings, 625% 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 15.1x, the stock trades at a discount of 85%. On a free-cash-flow basis, the stock trades at 7.0x P/FCF, 1248% 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 | $700M | $338M | $277M | $124M | $119M | $165M | $277M | — | — | — |
| Enterprise Value | $629M | $-150546448 | $-45109880 | $-139778500 | $-28453000 | $56M | $190M | — | — | — |
| P/E Ratio → | 2.24 | 0.32 | 0.21 | 0.10 | 0.25 | 0.65 | 0.52 | — | — | — |
| P/S Ratio | 0.83 | 0.06 | 0.05 | 0.04 | 0.07 | 0.13 | 0.12 | — | — | — |
| P/B Ratio | 0.75 | 0.11 | 0.12 | 0.10 | 4.62 | — | — | — | — | — |
| P/FCF | 6.99 | 0.49 | 0.77 | 0.16 | 0.65 | — | — | — | — | — |
| P/OCF | 3.37 | 0.24 | 0.71 | 0.14 | 0.64 | — | 10.52 | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Jiayin Group Inc.'s enterprise value stands at 3.4x EBITDA, 1884% above its 5-year average of 0.2x. The Communication Services sector median is 7.5x, placing the stock at a 54% 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 | 3.41 | -0.12 | -0.03 | -0.12 | -0.06 | 0.17 | 0.34 | — | — | — |
| EV / EBIT | 3.46 | -0.12 | -0.03 | -0.12 | -0.07 | 0.18 | 0.35 | — | — | — |
| EV / FCF | — | -0.22 | -0.13 | -0.18 | -0.16 | — | — | — | — | — |
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.
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% |
| 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% | — | — | — | — | — |
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)
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 |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Jiayin Group Inc. returns 13.9% to shareholders annually — split between a 12.8% dividend yield and 1.1% buyback yield. The payout ratio of 28.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 44.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
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 | 12.8% | 89.0% | 56.5% | — | 2.2% | — | — | — | — | — |
| Payout Ratio | 28.5% | 28.5% | 12.1% | — | 0.5% | — | — | 65.4% | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 44.7% | 312.1% | 468.0% | 953.0% | 396.4% | 153.4% | 190.9% | — | — | — |
| FCF Yield | 14.3% | 202.9% | 129.2% | 642.8% | 152.9% | — | — | — | — | — |
| Buyback Yield | 1.1% | 15.7% | 13.7% | 11.9% | 0.0% | 0.0% | 0.0% | — | — | — |
| Total Shareholder Yield | 13.9% | 100.0% | 70.3% | 11.9% | 2.2% | 0.0% | 0.0% | — | — | — |
| Shares Outstanding | — | $53M | $53M | $54M | $54M | $54M | $53M | $50M | $50M | $50M |
Compare JFIN with 6 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| JFINYou | $700M | 2.2 | 3.4 | 7.0 | 64.9% | 21.5% | 38.4% | 39.9% | 0.0 |
| TWLO | $18B | 576.0 | 47.9 | 17.8 | 48.0% | 3.4% | 0.4% | 1.5% | 2.9 |
| CMCM | $6B | -0.0 | — | — | 67.6% | -54.2% | -25.4% | -58.3% | — |
| NN | $2B | -19.2 | — | — | -90.1% | -1060.1% | -156.5% | -61.5% | — |
| MNY | $43M | -1.6 | — | — | 36.8% | -50.5% | -59.4% | -344.7% | — |
| UPXI | $42M | -0.4 | — | — | 68.7% | -79.1% | -28.3% | -14.0% | — |
| SEGG | $4M | -0.0 | — | — | 69.9% | -1704.1% | -97.1% | -38.5% | — |
| Communication Services Median | — | 15.1 | 7.5 | 10.5 | 51.2% | -0.7% | 2.4% | 1.7% | 3.5 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 9 years · Updated daily
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Start ComparisonJiayin Group Inc.'s current P/E ratio is 2.2x. The historical average is 0.3x. This places it at the 100th percentile of its historical range.
Jiayin Group Inc.'s current EV/EBITDA is 3.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 0.3x.
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%.
Based on historical data, Jiayin Group Inc. is trading at a P/E of 2.2x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Jiayin Group Inc.'s current dividend yield is 12.76% with a payout ratio of 28.5%.
Jiayin Group Inc. has 64.9% gross margin and 21.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Jiayin Group Inc.'s Debt/EBITDA ratio is 0.0x, indicating low leverage. A ratio below 2x is generally considered financially healthy.