JFIN
BEARISH
$4.19
Live
Jiayin Group Inc. · NASDAQ
$3.7
52W Range
$19.23
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$223.62M
P/E
0.97
ROE
40.6%
Profit margin
24.7%
Debt/Equity
0.16
Dividend yield
19.09%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
JFIN presents a classic 'value trap' profile, characterized by a stable Piotroski F-Score of 5/9 and extreme valuation discounts (P/E 0.97, P/B 0.33) contrasted against severe fundamental decay. While the Graham Number ($34.83) and Intrinsic Value ($30.1) suggest massive undervaluation, these are offset by a -62.2% YoY earnings collapse and a -22.4% revenue decline. The technical trend is completely bearish (0/100), and the company has a chronic history of missing earnings estimates by significant margins. Despite a strong balance sheet and a high dividend yield, the lack of growth and negative price momentum outweigh the valuation appeal.
Key Strengths
Extremely low valuation multiples (P/E < 1, P/S 0.04)
Strong liquidity with a Current Ratio of 2.72
Low leverage with Debt/Equity at 0.16
High Return on Equity (ROE) of 40.63%
Sustainable high dividend yield (19.09% yield with only 19.53% payout)
Key Risks
Severe earnings contraction (-62.2% YoY)
Negative revenue growth (-22.4% YoY)
Chronic failure to meet earnings estimates (1/4 beats in last 4 quarters)
Extreme bearish technical momentum (0/100 trend score)
Significant price collapse (-57.1% over the last year)
AI Fair Value Estimate
Based on comprehensive analysis
$14.5
+246.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
57
Moderate
95
15
20
70
85
AI Verdict
Value Trap
Key drivers: Negative growth, Technical collapse, Chronic earnings misses, Deep value metrics
Confidence
90%
Value
95/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 0.97
- P/B of 0.33
- Trades far below Graham Number of $34.83
Watchpoints
- Value is not being recognized by the market
Future
15/100
Ref Growth rates
Positives
- Slight Q/Q revenue growth (1.75%)
Watchpoints
- YoY Revenue -22.4%
- YoY Earnings -62.2%
Past
20/100
Ref Historical trends
Positives
- Historical profitability
Watchpoints
- Consistent and severe earnings misses over 13 quarters
- 1Y price return of -57.1%
Health
70/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score 5/9 (Stable)
- Low Debt/Equity
- Strong Current Ratio
Watchpoints
- Altman Z-Score not provided
Dividend
85/100
Ref Yield, Payout
Positives
- Very high yield (19.09%)
- Very low payout ratio (19.53%)
Watchpoints
- Dividend sustainability depends on halting earnings decay
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$4.19
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for JFIN and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
JFIN
Jiayin Group Inc.
Primary
|
-19.4% | +41.3% | -57.1% | -59.1% | -33.3% | 0.0% |
|
ADV
Advantage Solutions Inc.
Peer
|
-92.7% | -60.9% | -54.9% | -61.0% | +24.4% | +15.6% |
|
CXDO
Crexendo, Inc.
Peer
|
+2.8% | +299.4% | +44.9% | +1.9% | -7.9% | +3.6% |
|
DIBS
1stdibs.Com, Inc.
Peer
|
-81.0% | +39.0% | +110.1% | +109.3% | -1.3% | -1.4% |
|
GDEV
GDEV Inc.
Peer
|
-82.9% | -56.5% | +36.4% | -57.9% | -0.5% | -6.1% |
JFI
Jiayin Group Inc.
Primary
5Y
-19.4%
3Y
+41.3%
1Y
-57.1%
6M
-59.1%
1M
-33.3%
1W
0.0%
ADV
Advantage Solutions Inc.
Peer
5Y
-92.7%
3Y
-60.9%
1Y
-54.9%
6M
-61.0%
1M
+24.4%
1W
+15.6%
CXD
Crexendo, Inc.
Peer
5Y
+2.8%
3Y
+299.4%
1Y
+44.9%
6M
+1.9%
1M
-7.9%
1W
+3.6%
DIB
1stdibs.Com, Inc.
Peer
5Y
-81.0%
3Y
+39.0%
1Y
+110.1%
6M
+109.3%
1M
-1.3%
1W
-1.4%
GDE
GDEV Inc.
Peer
5Y
-82.9%
3Y
-56.5%
1Y
+36.4%
6M
-57.9%
1M
-0.5%
1W
-6.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
0.97
Forward P/E
2.21
PEG Ratio
N/A
P/B Ratio
0.33
P/S Ratio
0.04
EV/Revenue
0.24
EV/EBITDA
0.83
Market Cap
$223.62M
Profitability
Profit margins and return metrics
Profit Margin
24.68%
Operating Margin
8.68%
Gross Margin
80.14%
ROE
40.63%
ROA
15.86%
Growth
Revenue and earnings growth rates
Revenue Growth
-22.4%
Earnings Growth
-62.2%
Q/Q Revenue Growth
+1.75%
Q/Q Earnings Growth
-63.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.16
Low debt
Current Ratio
2.72
Strong
Quick Ratio
1.49
Good
Cash/Share
$0.3
Quarterly Earnings History
EPS performance vs analyst estimates
2026-06-04
$N/A
2022-06-08
$0.4
+48.5% surprise
2022-03-31
$0.09
-71.9% surprise
2021-11-24
$0.09
-72.0% surprise
Communication Services Sector Comparison
Comparing JFIN against 81 companies in the Communication Services sector
(8 bullish, 28 neutral, 45 bearish)
P/E Ratio
0.97
This Stock
vs
24.07
Sector Avg
-96.0%
(Discount)
Return on Equity (ROE)
40.63%
This Stock
vs
-10.75%
Sector Avg
-477.9%
(Below Avg)
Profit Margin
24.68%
This Stock
vs
13.2%
Sector Avg
+87.0%
(Superior)
Debt to Equity
0.16
This Stock
vs
0.94
Sector Avg
-83.1%
(Less Debt)
Revenue Growth
-22.4%
This Stock
vs
1298.23%
Sector Avg
-101.7%
(Slower)
Current Ratio
2.72
This Stock
vs
2.84
Sector Avg
-4.2%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
JFIN
Jiayin Group Inc.
|
BEARISH | $223.62M | 0.97 | 40.6% | 24.7% | $4.19 | |
|
ADV
Advantage Solutions Inc.
|
BEARISH | $242.36M | - | -35.0% | -6.4% | $0.74 | Compare |
|
CXDO
Crexendo, Inc.
|
NEUTRAL | $203.78M | 39.94 | 8.8% | 7.4% | $6.39 | Compare |
|
DIBS
1stdibs.Com, Inc.
|
BEARISH | $197.19M | - | -14.2% | -15.2% | $5.42 | Compare |
|
GDEV
GDEV Inc.
|
NEUTRAL | $253.93M | 3.71 | -% | 17.1% | $13.99 | Compare |
JFIN
Jiayin Group Inc.
BEARISH
Mkt Cap
$224M
P/E
1.0
ROE
40.6%
Price
$4.19
Past News Coverage
Recent headlines mentioning JFIN from our newsroom.
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