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Company Analysis

Jiayin Group Inc. JFIN

A comprehensive view of key metrics, scores, and financial health for Jiayin Group Inc.

Overview of Jiayin Group Inc.

JFIN NGM
Communication Services Internet Content & Information Small Cap
Jiayin Group Inc. (JFIN), is a Small Cap company, in the Internet Content & Information industry, last closed at $5.88, about 9956.5% undervalued vs fair value, -53.5% 1Y return, placing in the top 10% of its sector.
$5.88
-2.81%
As of March 13, 2026
Previous close • Vol 90d: 49.3%
52-Week Range
Market Cap
$331.16M
Enterprise Value
$242.95M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.jiayintech.cn
HQ Shanghai
Employees 1,028
Fiscal year Dec 31

Next Events

Earnings Mar 26 Estimated

Fair Value Snapshot

Bear Base Bull
$538
$591
$652
Current: $5.88 +9957% vs base

Engine Room Money Flow™

Small Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$5.8B
6.1%%
Gross Profit
$3.8B
9%%
Operating Income
$1.2B
-6.3%%
Net Income
$1.1B
-18.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
65.0%
Fair

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$354.4M
51.6% of FCF

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
0/2
Improving
0
High Impact
0
Critical
Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Jiayin Group Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
71
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
72
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing JFIN's balance between Growth (32.6%), Profitability (39.5%), and Safety (27.9%). Growth 33% Safety 28% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

66th percentile vs peers
66
Key Signals
Revenue CAGR 3Y 48.2% 88p Rev Growth YoY 6.1% 57p TSR 1.90 95p EPS CAGR 3Y 31.6% 58p EPS Growth YoY -18.0% 27p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (48.2%, 88th percentile)
  • Operating Margin in top 20% of peers (21.5%, 91th percentile)
  • Roic in top 20% of peers (32.7%, 97th percentile)
  • Net Profit Margin in top 20% of peers (18.2%, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

80th percentile vs peers
80
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Jiayin Group Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$591.32
- - -
+9956.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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