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Communication Services - Internet Content & Information - NASDAQ - CN
$ 18.32
5.65 %
$ 978 M
Market Cap
5.29
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one JFIN stock under the worst case scenario is HIDDEN Compared to the current market price of 18.3 USD, Jiayin Group Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one JFIN stock under the base case scenario is HIDDEN Compared to the current market price of 18.3 USD, Jiayin Group Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one JFIN stock under the best case scenario is HIDDEN Compared to the current market price of 18.3 USD, Jiayin Group Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart JFIN

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$20.0$20.0$18.0$18.0$16.0$16.0$14.0$14.0$12.0$12.0$10.0$10.0$8.0$8.0$6.0$6.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
5.8 B REVENUE
6.11%
1.25 B OPERATING INCOME
-6.34%
1.06 B NET INCOME
-18.58%
1.43 B OPERATING CASH FLOW
265.90%
-784 M INVESTING CASH FLOW
-640.22%
-333 M FINANCING CASH FLOW
-71.95%
1.78 B REVENUE
26.42%
607 M OPERATING INCOME
54.50%
276 M NET INCOME
2.19%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
0.00%
0 FINANCING CASH FLOW
0.00%
Balance Sheet Jiayin Group Inc.
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Current Assets 4.34 B
Cash & Short-Term Investments 541 M
Receivables 3.49 B
Other Current Assets 310 M
Non-Current Assets 1.07 B
Long-Term Investments 162 M
PP&E 97.2 M
Other Non-Current Assets 810 M
9.99 %64.52 %5.72 %3.00 %14.97 %Total Assets$5.4b
Current Liabilities 2.02 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 2.02 B
Non-Current Liabilities 265 M
Long-Term Debt 51.7 M
Other Non-Current Liabilities 214 M
88.37 %9.36 %Total Liabilities$2.3b
EFFICIENCY
Earnings Waterfall Jiayin Group Inc.
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Revenue 5.8 B
Cost Of Revenue 2.03 B
Gross Profit 3.77 B
Operating Expenses 2.52 B
Operating Income 1.25 B
Other Expenses 192 M
Net Income 1.06 B
6b6b5b5b4b4b3b3b2b2b1b1b006b(2b)4b(3b)1b(192m)1bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
64.95% GROSS MARGIN
64.95%
21.51% OPERATING MARGIN
21.51%
18.21% NET MARGIN
18.21%
33.76% ROE
33.76%
19.53% ROA
19.53%
30.00% ROIC
30.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Jiayin Group Inc.
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800m800m600m600m400m400m200m200m00(200m)(200m)(400m)(400m)201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 1.06 B
Depreciation & Amortization 17.9 M
Capital Expenditures -739 M
Stock-Based Compensation 59.1 M
Change in Working Capital 259 M
Others 477 M
Free Cash Flow 686 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Jiayin Group Inc.
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JFIN has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.495 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.8000.8000.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.380.380.760.4950.502023202320242024
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5. COMPETITION
6. Ownership
Insider Ownership Jiayin Group Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Jiayin Group Inc. Announces Record and Payment dates of Cash Dividends SHANGHAI, China, July 03, 2025 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced the record date and payment date of cash dividends. As previously announced, the board of directors of the Company (the “Board”) approved the declaration and payment of cash dividends of US$0.20 per ordinary share, or US$0.80 per American depositary share (“ADS”). The Board further approved that the holders of the Company's ordinary shares shown on the Company's record at the close of trading on July 14, 2025 (U.S. Eastern Time) will be entitled to these dividends. These shareholders, including JPMorgan Chase Bank, N.A., the depositary of the Company's ADS program (the “Depositary”), are expected to receive the payments of dividends on or around July 18, 2025. Dividends to the Company's ADS holders are expected to be paid through the Depositary on or around July 24, 2025, and will be subject to the terms of the deposit agreement by and among the Company and the Depositary, and the holders and beneficial owners of ADSs issued thereunder, including the fees and expenses payable thereunder. globenewswire.com - 4 days ago
Jiayin Group: Sustainability Of Recent Earnings Growth Is Not Assured The Q1 FY2025 report included a doubling in earnings per share, which set off a rally in the stock to new multi-year highs. A look at the charts suggests there is reason to refrain from jumping in on the rally even with all its momentum, at least in the short term. Earnings are growing fast, and Jiayin Group is still available at low multiples, but long JFIN is not a slam dunk for a couple of reasons. seekingalpha.com - 3 weeks ago
Jiayin Group Inc. (JFIN) Q1 2025 Earnings Call Transcript Jiayin Group Inc. (NASDAQ:JFIN ) Q1 2025 Earnings Conference Call June 4, 2025 8:00 AM ET Company Participants Chunlin Fan - Chief Financial Officer Dinggui Yan - Founder, Chairman & CEO Yifang Xu - Chief Risk Officer & Director Conference Call Participants Yuxuan Chen - Huatai Securities Co., Ltd., Research Division Operator Good day, ladies and gentlemen. seekingalpha.com - 1 month ago
Jiayin Group Inc. Reports First Quarter 2025 Unaudited Financial Results -- First Quarter Total Loan Facilitation Volume Grew 58.2% to RMB35.6 billion, compared with the same period of 2024 -- -- First Quarter Net Revenue Grew 20.4% to RMB1,775.6 million, compared with the same period of 2024 -- SHANGHAI, China, June 04, 2025 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced its unaudited financial results for the first quarter ended March 31, 2025. globenewswire.com - 1 month ago
Jiayin Group Inc. to Release First Quarter 2025 Unaudited Financial Results on Wednesday, June 4, 2025 SHANGHAI, China, May 28, 2025 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced that it will release its unaudited financial results for the first quarter of 2025 before the U.S. market opens on Wednesday, June 4, 2025. globenewswire.com - 1 month ago
Jiayin Group Inc. Filed Annual Report on Form 20-F for Fiscal Year 2024 SHANGHAI, China, April 28, 2025 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced that it has filed its annual report on Form 20-F (the "Annual Report") for the fiscal year ended December 31, 2024 with the U.S. Securities and Exchange Commission (the "SEC") on April 28, 2025, U.S. Eastern Time. The Annual Report can be accessed on the Company's investor relations website at https://ir.jiayintech.cn/ and on the SEC's website at https://www.sec.gov/. globenewswire.com - 2 months ago
Jiayin Group Inc. (JFIN) Q4 2024 Earnings Call Transcript Jiayin Group Inc. (NASDAQ:JFIN ) Q4 2024 Earnings Conference Call March 27, 2025 8:00 AM ET Company Participants Shawn Zhang – Investor Relations Yan Dinggui – Chief Executive Officer Fan Chunlin – Chief Financial Officer Xu Yifang – Chief Risk Officer Conference Call Participants Yong Zhao – Haitong Securities Hua Rong – Jinyu Asset Operator Good day, ladies and gentlemen. Thank you for standing by, and welcome to Jiayin Group Fourth Quarter 2024 Earnings Conference Call. seekingalpha.com - 3 months ago
Jiayin Group Inc. to Release Fourth Quarter and Full Year 2024 Unaudited Financial Results on Thursday, March 27, 2025 SHANGHAI, March 20, 2025 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced that it will release its unaudited financial results for the fourth quarter and full year 2024 before the U.S. market opens on Thursday, March 27, 2025. globenewswire.com - 3 months ago
69 Graham Value All-Stars, Of 20 'Safer' Choices, Buy Any Of 14 The Value Score identifies large-cap stocks offering the best value relative to their assets and profits, focusing on low-priced, high-value investments. The Ben Graham Formula targets ultra-stable stocks with strong earnings, dividends, and low valuations, ensuring long-term stability and minimal losses. Analysts forecast significant gains (29.57% to 79.74%) for top-ten GASV stocks by January 2026, highlighting high-yield, low-risk investment opportunities. seekingalpha.com - 5 months ago
4 Of 35 Safe-Buy Dividend Power Dogs In January Four low-priced Dividend Power stocks, Golden Ocean, Invesco Mortgage, ARMOUR Residential, and FutureFuel, offer safer dividends with free cash-flow yields exceeding dividend yields. The Dividend Power strategy focuses on high earnings yield and top dividend yield stocks, creating a resilient portfolio for both downturns and bull markets. Analysts project significant gains for top Dividend Power stocks, with an average net gain of 79.97% on $10k invested in the top ten. seekingalpha.com - 6 months ago
Jiayin Group Inc. Announces Purchase of Commercial Property SHANGHAI, Dec. 20, 2024 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced that it entered into a definitive agreement on December 17, 2024 to purchase certain commercial property located in Shanghai, China (the “Commercial Property”) of approximately 43,500 square meters for total cash consideration of approximately RMB1.35 billion. The completion of the purchase is subject to customary closing conditions. The Commercial Property will primarily be used as the Company's new headquarters to meet the demand arising from the continuing growth of the Company's businesses. globenewswire.com - 6 months ago
Of 36 Dividend Power Dogs, 11 Are Buyable In November Eleven of the 35 Dividend Power Dogs are recommended for their "safer" dividends, with free cash-flow yields exceeding dividend yields, making them ideal buys. The Dividend Power strategy focuses on high earnings yield and high dividend yield, creating a resilient portfolio for both downturns and bull markets. Analysts project significant gains for the top ten DiviPower stocks by November 2025, with potential net gains ranging from 55.4% to 108.51%. seekingalpha.com - 7 months ago
8. Profile Summary

Jiayin Group Inc. JFIN

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COUNTRY CN
INDUSTRY Internet Content & Information
MARKET CAP $ 978 M
Dividend Yield 0.00%
Description Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates transparent, secure, and fast connections between individual borrowers and financial institutions funding partners. It also provides referral services for investment products offered by the financial service providers; and software development, risk control, marketing support, and IT assistance services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China.
Contact Building No. 1, Shanghai, 200122 https://www.jiayinfintech.cn
IPO Date May 10, 2019
Employees 1028
Officers Mr. Dinggui Yan Founder, Chairman & Chief Executive Officer Mr. Libin Wang Vice President of Finance & Director Ms. Yifang Xu Chief Risk Officer & Director Ms. Jin Chen Senior Investment & Finance Director Mr. Yi Feng Chief Technology Officer Mr. Chunlin Fan Chief Financial Officer Ms. Bei Bai Senior Financial Controller & IR Director