Jiayin Group Inc. (JFIN) Financial Ratios
10 years of historical data (2016–2025) · Communication Services · Internet Content & Information
EV/EBITDA
↑
7.88
↑+118% vs avg
5yr avg: 3.61
30Y Low0.2·High3.6
P/FCF
↓
2.26
↑+343% vs avg
5yr avg: 0.51
30Y Low0.2·High0.8
P/B Ratio
↓
0.31
↓-69% vs avg
5yr avg: 1.00
30Y Low0.1·High4.6
ROE
↓
5.7%
↑-99% vs avg
5yr avg: 427.1%
30Y Low6%·High186%
Debt/EBITDA
↑
2.70
↑+367% vs avg
5yr avg: 0.58
30Y Low0.0·High2.7
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 6.5x earnings, 1318% above its 5-year average of 0.5x, sitting at the 100th percentile of its historical range. Compared to the Communication Services sector median P/E of 15.3x, the stock trades at a discount of 58%. On a free-cash-flow basis, the stock trades at 2.3x P/FCF, 343% above the 5-year average of 0.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $208M | $298M | $338M | $277M | $124M | $119M | $165M | $277M | — | — | — |
| Enterprise Value | $302M | $937M | $-150546448 | $-29539880 | $-139778500 | $-28453000 | $56M | $190M | — | — | — |
| P/E Ratio → | 6.48 | 1.39 | 0.32 | 0.21 | 0.10 | 0.25 | 0.65 | 0.52 | — | — | — |
| P/S Ratio | 1.63 | 0.34 | 0.06 | 0.05 | 0.04 | 0.07 | 0.13 | 0.12 | — | — | — |
| P/B Ratio | 0.31 | 0.07 | 0.11 | 0.12 | 0.10 | 4.62 | — | — | — | — | — |
| P/FCF | 2.26 | 0.48 | 0.49 | 0.77 | 0.16 | 0.65 | — | — | — | — | — |
| P/OCF | 1.12 | 0.24 | 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 7.9x EBITDA, 118% above its 5-year average of 3.6x. The Communication Services sector median is 9.7x, placing the stock at a 18% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.08 | -0.03 | -0.01 | -0.04 | -0.02 | 0.04 | 0.09 | — | — | — |
| EV / EBITDA | 7.88 | 3.61 | -0.12 | -0.02 | -0.12 | -0.06 | 0.17 | 0.34 | — | — | — |
| EV / EBIT | 8.19 | 3.60 | -0.12 | -0.02 | -0.12 | -0.07 | 0.18 | 0.35 | — | — | — |
| EV / FCF | — | 1.51 | -0.22 | -0.08 | -0.18 | -0.16 | — | — | — | — | — |
JFIN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Jiayin Group Inc. earns an operating margin of 28.9%, significantly above the Communication Services sector average of 1.6%. Operating margins have expanded from 24.4% to 28.9% over the past 3 years, signaling improving operational efficiency. ROE of 5.7% is modest. ROIC of 4.9% represents below-average returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.9% | 77.9% | 64.9% | 63.2% | 82.7% | 81.1% | 81.6% | 80.9% | 86.1% | 89.8% | 75.8% |
| Operating Margin | 28.9% | 28.9% | 21.5% | 24.4% | 36.1% | 24.3% | 23.2% | 24.0% | 23.8% | 30.5% | -86.8% |
| Net Profit Margin | 24.7% | 24.7% | 18.2% | 23.7% | 36.1% | 26.5% | 19.5% | 23.7% | 21.2% | 24.0% | -65.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.7% | 5.7% | 38.4% | 71.7% | 186.2% | 1833.4% | — | — | — | — | — |
| ROA | 3.0% | 3.0% | 19.1% | 29.9% | 59.1% | 63.1% | 41.2% | 70.2% | 36.7% | 23.7% | -19.2% |
| ROIC | 4.9% | 4.9% | 39.7% | 65.5% | 207.0% | — | — | — | — | — | — |
| ROCE | 5.9% | 5.9% | 36.9% | 57.9% | 181.2% | 708.2% | — | — | — | — | — |
JFIN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Jiayin Group Inc. carries a Debt/EBITDA ratio of 2.7x, which is moderately leveraged (25% below the sector average of 3.6x). Net debt stands at $639M ($701M total debt minus $62M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.16 | 0.02 | 0.03 | 0.02 | 1.37 | — | — | — | — | — |
| Debt / EBITDA | 2.70 | 2.70 | 0.04 | 0.05 | 0.02 | 0.08 | 0.03 | 0.06 | 0.10 | 0.15 | — |
| Net Debt / Equity | — | 0.14 | -0.16 | -0.13 | -0.21 | -5.72 | — | — | — | — | — |
| Net Debt / EBITDA | 2.46 | 2.46 | -0.39 | -0.23 | -0.22 | -0.33 | -0.33 | -0.16 | 0.04 | -0.73 | — |
| Debt / FCF | — | 1.03 | -0.71 | -0.86 | -0.33 | -0.81 | — | — | — | -6.05 | -0.43 |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — |
JFIN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.88x means Jiayin Group Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has declined from 2.36x to 1.88x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.88 | 1.88 | 2.15 | 2.36 | 1.58 | 0.86 | 0.38 | 0.39 | 0.29 | 0.55 | 0.41 |
| Quick Ratio | 1.88 | 1.88 | 2.15 | 2.36 | 1.58 | 0.90 | 0.38 | 0.49 | 0.24 | 0.49 | 0.31 |
| Cash Ratio | 0.02 | 0.02 | 0.27 | 0.16 | 0.16 | 0.20 | 0.12 | 0.14 | 0.02 | 0.14 | 0.04 |
| Asset Turnover | — | 0.10 | 1.07 | 0.97 | 1.08 | 1.83 | 2.47 | 3.18 | 3.59 | 0.89 | 0.29 |
| Inventory Turnover | — | — | — | — | — | — | — | — | 3.10 | 0.84 | 0.29 |
| Days Sales Outstanding | — | 2203.38 | 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 15.7% to shareholders annually — split between a 7.8% dividend yield and 7.9% buyback yield. A payout ratio of 50.6% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 15.4% (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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 7.8% | 36.3% | 89.0% | 56.5% | — | 2.2% | — | — | — | — | — |
| Payout Ratio | 50.6% | 50.6% | 28.5% | 12.1% | — | 0.5% | — | — | 65.4% | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 15.4% | 71.7% | 312.1% | 468.0% | 953.0% | 396.4% | 153.4% | 190.9% | — | — | — |
| FCF Yield | 44.2% | 208.6% | 202.9% | 129.2% | 642.8% | 152.9% | — | — | — | — | — |
| Buyback Yield | 7.9% | 37.1% | 15.7% | 13.7% | 11.9% | 0.0% | 0.0% | 0.0% | — | — | — |
| Total Shareholder Yield | 15.7% | 73.4% | 100.0% | 70.3% | 11.9% | 2.2% | 0.0% | 0.0% | — | — | — |
| Shares Outstanding | — | $51M | $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 | $208M | 6.5 | 7.9 | 2.3 | 77.9% | 28.9% | 5.7% | 4.9% | 2.7 |
 QFIN | $2B | 1.2 | 1.7 | 1.2 | 81.5% | 33.9% | 24.0% | 17.7% | 0.5 |
 LX | $334M | 1.5 | 1.3 | 0.7 | 72.3% | 17.7% | 14.4% | 10.4% | 2.0 |
 FINV | $1B | 3.4 | 1.1 | 4.6 | 78.6% | 21.8% | 15.3% | 12.8% | 0.4 |
 YRD | $99M | 8.6 | -1.5 | 1.0 | 85.8% | 38.5% | 0.4% | 17.0% | 0.0 |
 NTES | $78B | 15.8 | 12.6 | 10.9 | 64.3% | 31.8% | 21.9% | 24.0% | 0.2 |
 KC | $3B | -20.1 | 10.2 | — | 15.7% | -5.5% | -12.6% | -4.5% | 3.3 |
 TIGR | $881M | 5.2 | -10.7 | 0.7 | 93.2% | 46.0% | 22.4% | 22.5% | 0.6 |
 FUTU | $14B | 9.8 | 0.2 | 2.7 | 87.1% | 61.6% | 33.1% | 22.3% | 1.3 |
 BEKE | $17B | 40.3 | 29.9 | — | 21.4% | 3.0% | 4.3% | 2.8% | 4.8 |
 TREE | $508M | 3.4 | 8.3 | 8.4 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
| Communication Services Median | — | 15.3 | 9.7 | 11.2 | 48.5% | 1.6% | 2.0% | 2.6% | 3.6 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 10 years · Updated daily
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JFIN — 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 6.5x. The historical average is 0.5x. 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 7.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 1.4x.
What is Jiayin Group Inc.'s ROE?
Jiayin Group Inc.'s return on equity (ROE) is 5.7%. The historical average is 75.5%.
Is JFIN stock overvalued?
Based on historical data, Jiayin Group Inc. is trading at a P/E of 6.5x. 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 7.80% with a payout ratio of 50.6%.
What are Jiayin Group Inc.'s profit margins?
Jiayin Group Inc. has 77.9% gross margin and 28.9% 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 2.7x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.