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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 Framework: Software & SaaS Micro Cap
Jiayin Group Inc. (JFIN), is a Micro Cap company, in the Internet Content & Information industry, last closed at $1.63, about 2960.7% undervalued vs fair value, -81.5% 1Y return, ranked 182/271 in sector.
Metrics P/E 1.4× Rev Growth 7.3% ROE 40.6% Gross Margin 80.1% Div Yield 4.99%
USD 1.63
0.62%
(Delayed)
• Vol 90d: 84.6%
52-Week Range
Market Cap
$85.30M
Enterprise Value
$104.00M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 94%
Confidence: 95%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Nov 24 Estimated

Fair Value Snapshot

Bear Base Bull
$46
$50
$55
Current: $1.63 +2961% vs base

Engine Room Money Flow™

Micro Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
CNY 6.2B
7.3%%
Gross Profit
CNY 5.0B
32.4%%
Operating Income (GAAP)
CNY 1.8B
44%%
Operating Cash Flow
CNY 1.3B
-11.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
80.1%

Gross Profit / Revenue — context only; ad platforms typically 60–80%, marketplaces and streaming lower by design

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

CNY 218.9M
35.2% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
3
Active Leaks
1/3
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
67
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Premium Software Margins Gross margin quality is strong versus peers (score 0.85), consistent with premium software economics.
  • R&D Reinvestment Supports Growth R&D commitment is strong relative to peers (score 0.67).

Key risks

  • Lumpy Revenue Trajectory Revenue consistency is weak (score 0.32), suggesting demand may be less recurring than peers.
  • FCF Trend Is Softening FCF trend is weak (score 0.38), suggesting cash scalability is deteriorating.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Strong
83
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Recurring Revenue Stickiness

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Signals, strengths and risks for Innovation Engine

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Signals, strengths and risks for Cash Scalability

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Balance Sheet Resilience

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 (34.6%), Profitability (38.3%), and Safety (27.1%). Growth 35% Safety 27% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

65th percentile vs peers
65
Key Signals
Revenue CAGR 3Y 23.9% 79p Def Rev Growth 100.0% 90p Rev Growth YoY 7.3% 43p TSR -4.4% 53p EPS Growth YoY 47.8% 60p
Strengths
  • Def Rev Growth in top 20% of peers (100.0%, 90th percentile)
  • Gross Profit Margin in top 20% of peers (80.1%, 85th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

72th percentile vs peers
72
Key Signals
Strengths
Risks
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Safety

51th percentile vs peers
51
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$49.89
- - -
+2960.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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