Jiayin Financials

JFIN Stock  USD 13.72  0.82  6.36%   
Based on the analysis of Jiayin's profitability, liquidity, and operating efficiency, Jiayin Group is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in April. At this time, Jiayin's Accounts Payable is very stable compared to the past year. As of the 19th of March 2025, Non Currrent Assets Other is likely to grow to about 76.6 M, while Other Current Liabilities is likely to drop about 672.5 M. Key indicators impacting Jiayin's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio2.262.15
Sufficiently Up
Slightly volatile
The financial analysis of Jiayin is a critical element in measuring its lifeblood. Investors should not minimize Jiayin's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

1.57 Billion

  

Jiayin Stock Summary

Jiayin competes with Oriental Culture, Wisekey International, and Wah Fu. Jiayin Group Inc. provides online consumer finance services in the Peoples Republic of China. The company was founded in 2011 and is headquartered in Shanghai, the Peoples Republic of China. Jiayin operates under Internet Content Information classification in the United States and is traded on NASDAQ Exchange. It employs 706 people.
Specialization
Communication Services, Internet Content & Information
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS47737C1045
CUSIP47737C104
LocationChina
Business AddressBuilding No 1,
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.jiayinfintech.cn
Phone86 21 6190 6826
CurrencyUSD - US Dollar

Jiayin Key Financial Ratios

Jiayin Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets525.4M971.4M3.0B5.6B6.5B6.8B
Other Current Liab704.6M501.4M817.6M786.6M707.9M672.5M
Other Liab1.6B1.1B566.5M322.0M289.8M275.3M
Net Tangible Assets(741.9M)(461.6M)27.9M1.2B1.4B1.5B
Net Debt(112.1M)(147.3M)(263.6M)(322.2M)(370.6M)(389.1M)
Retained Earnings(1.3B)(794.8M)384.9M1.5B1.8B1.8B
Cash117.3M182.6M291.0M370.2M425.7M265.3M
Other Assets701.1M40.9M49.7M72.5M65.3M62.0M
Net Receivables158.1M502.4M2.0B4.0B4.6B4.9B
Inventory(31.8M)(37.3M)2.0M1.00.90.86
Other Current Assets63.3M64.3M474.9M987.3M1.1B1.2B
Total Liab989.1M945.7M1.8B3.3B2.9B2.0B
Total Current Assets370.5M786.6M2.8B5.4B6.2B6.5B
Short Term Debt3.3M16.9M4.0M15.6M17.9M10.3M
Net Invested Capital(461.6M)27.9M1.2B2.4B2.7B2.9B
Net Working Capital(572.5M)(123.8M)1.1B3.1B3.6B3.8B

Jiayin Key Income Statement Accounts

202020212022202320242025 (projected)
Tax Provision108.8M125.7M155.4M247.6M284.8M299.0M
Net Interest Income7.7M(1.1M)281K12.9M14.8M15.6M
Interest Expense47.8M132.6M1.1M153.0M176.0M184.8M
Total Revenue1.3B1.8B3.3B5.5B6.3B6.6B
Gross Profit1.1B1.4B2.7B3.5B4.0B2.1B
Operating Income229.1M278.2M1.2B1.3B1.5B1.6B
Ebit302.1M432.0M1.2B1.3B1.5B1.6B
Research Development151.6M143.7M216.7M296.3M340.8M201.3M
Ebitda325.3M447.6M1.2B1.3B1.5B1.6B
Cost Of Revenue239.2M335.9M565.2M2.0B2.3B2.4B
Income Before Tax366.4M585.8M1.3B1.5B1.8B1.9B
Net Income252.9M472.1M1.2B1.3B1.5B1.6B
Income Tax Expense108.8M125.7M155.4M247.6M284.8M299.0M
Minority Interest(2.1M)4.3M(574K)43K49.5K47.0K

Jiayin Key Cash Accounts

202020212022202320242025 (projected)
Investments(3.4M)(126.2M)(22.9M)(105.9M)(95.3M)(100.0M)
Change In Cash(2.8M)65.2M743.3M79.6M91.5M106.5M
Free Cash Flow(36.4M)181.8M795.7M358.0M411.8M432.3M
Depreciation23.2M15.7M68.3M9.5M10.9M20.7M
Other Non Cash Items(114.0M)(136.3M)(380.3M)(91.4M)(82.3M)(78.2M)
Capital Expenditures848K2.8M119.7M31.5M36.3M31.3M
Net Income250.1M467.8M8.1B1.3B1.5B1.6B
End Period Cash Flow119.3M184.6M2.0B372.6M428.5M581.9M
Change To Netincome333.7M378.9M65.8M(86.3M)(77.7M)(73.8M)

Jiayin Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Jiayin's current stock value. Our valuation model uses many indicators to compare Jiayin value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Jiayin competition to find correlations between indicators driving Jiayin's intrinsic value. More Info.
Jiayin Group is currently regarded as number one stock in return on equity category among its peers. It also is currently regarded as number one stock in return on asset category among its peers reporting about  0.28  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Jiayin Group is roughly  3.57 . At this time, Jiayin's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Jiayin's earnings, one of the primary drivers of an investment's value.

Jiayin Group Systematic Risk

Jiayin's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Jiayin volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Jiayin Group correlated with the market. If Beta is less than 0 Jiayin generally moves in the opposite direction as compared to the market. If Jiayin Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Jiayin Group is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Jiayin is generally in the same direction as the market. If Beta > 1 Jiayin moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Jiayin Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Jiayin's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Jiayin growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.19

At this time, Jiayin's Price Earnings To Growth Ratio is very stable compared to the past year.

Jiayin March 19, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Jiayin help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Jiayin Group. We use our internally-developed statistical techniques to arrive at the intrinsic value of Jiayin Group based on widely used predictive technical indicators. In general, we focus on analyzing Jiayin Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Jiayin's daily price indicators and compare them against related drivers.
When determining whether Jiayin Group offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Jiayin's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Jiayin Group Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Jiayin Group Stock:
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Jiayin Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.
You can also try the Commodity Channel module to use Commodity Channel Index to analyze current equity momentum.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Jiayin. If investors know Jiayin will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Jiayin listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.16)
Dividend Share
6.261
Earnings Share
2.98
Revenue Per Share
112.804
Quarterly Revenue Growth
(0.01)
The market value of Jiayin Group is measured differently than its book value, which is the value of Jiayin that is recorded on the company's balance sheet. Investors also form their own opinion of Jiayin's value that differs from its market value or its book value, called intrinsic value, which is Jiayin's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Jiayin's market value can be influenced by many factors that don't directly affect Jiayin's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Jiayin's value and its price as these two are different measures arrived at by different means. Investors typically determine if Jiayin is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Jiayin's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.