Jiayin Financials
JFIN Stock | USD 13.72 0.82 6.36% |
Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Current Ratio | 2.26 | 2.15 |
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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 |
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Jiayin | Select Account or Indicator |
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 |
Instrument | USA Stock View All |
Exchange | NASDAQ Exchange |
ISIN | US47737C1045 |
CUSIP | 47737C104 |
Location | China |
Business Address | Building No 1, |
Sector | Consumer Finance |
Industry | Financials |
Benchmark | Dow Jones Industrial |
Website | www.jiayinfintech.cn |
Phone | 86 21 6190 6826 |
Currency | USD - US Dollar |
Jiayin Key Financial Ratios
Return On Equity | 0.47 | ||||
Profit Margin | 0.19 % | ||||
Operating Margin | 0.22 % | ||||
Price To Sales | 0.12 X | ||||
Revenue | 5.47 B |
Jiayin Key Balance Sheet Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Total Assets | 525.4M | 971.4M | 3.0B | 5.6B | 6.5B | 6.8B | |
Other Current Liab | 704.6M | 501.4M | 817.6M | 786.6M | 707.9M | 672.5M | |
Other Liab | 1.6B | 1.1B | 566.5M | 322.0M | 289.8M | 275.3M | |
Net Tangible Assets | (741.9M) | (461.6M) | 27.9M | 1.2B | 1.4B | 1.5B | |
Net Debt | (112.1M) | (147.3M) | (263.6M) | (322.2M) | (370.6M) | (389.1M) | |
Retained Earnings | (1.3B) | (794.8M) | 384.9M | 1.5B | 1.8B | 1.8B | |
Cash | 117.3M | 182.6M | 291.0M | 370.2M | 425.7M | 265.3M | |
Other Assets | 701.1M | 40.9M | 49.7M | 72.5M | 65.3M | 62.0M | |
Net Receivables | 158.1M | 502.4M | 2.0B | 4.0B | 4.6B | 4.9B | |
Inventory | (31.8M) | (37.3M) | 2.0M | 1.0 | 0.9 | 0.86 | |
Other Current Assets | 63.3M | 64.3M | 474.9M | 987.3M | 1.1B | 1.2B | |
Total Liab | 989.1M | 945.7M | 1.8B | 3.3B | 2.9B | 2.0B | |
Total Current Assets | 370.5M | 786.6M | 2.8B | 5.4B | 6.2B | 6.5B | |
Short Term Debt | 3.3M | 16.9M | 4.0M | 15.6M | 17.9M | 10.3M | |
Net Invested Capital | (461.6M) | 27.9M | 1.2B | 2.4B | 2.7B | 2.9B | |
Net Working Capital | (572.5M) | (123.8M) | 1.1B | 3.1B | 3.6B | 3.8B |
Jiayin Key Income Statement Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Tax Provision | 108.8M | 125.7M | 155.4M | 247.6M | 284.8M | 299.0M | |
Net Interest Income | 7.7M | (1.1M) | 281K | 12.9M | 14.8M | 15.6M | |
Interest Expense | 47.8M | 132.6M | 1.1M | 153.0M | 176.0M | 184.8M | |
Total Revenue | 1.3B | 1.8B | 3.3B | 5.5B | 6.3B | 6.6B | |
Gross Profit | 1.1B | 1.4B | 2.7B | 3.5B | 4.0B | 2.1B | |
Operating Income | 229.1M | 278.2M | 1.2B | 1.3B | 1.5B | 1.6B | |
Ebit | 302.1M | 432.0M | 1.2B | 1.3B | 1.5B | 1.6B | |
Research Development | 151.6M | 143.7M | 216.7M | 296.3M | 340.8M | 201.3M | |
Ebitda | 325.3M | 447.6M | 1.2B | 1.3B | 1.5B | 1.6B | |
Cost Of Revenue | 239.2M | 335.9M | 565.2M | 2.0B | 2.3B | 2.4B | |
Income Before Tax | 366.4M | 585.8M | 1.3B | 1.5B | 1.8B | 1.9B | |
Net Income | 252.9M | 472.1M | 1.2B | 1.3B | 1.5B | 1.6B | |
Income Tax Expense | 108.8M | 125.7M | 155.4M | 247.6M | 284.8M | 299.0M | |
Minority Interest | (2.1M) | 4.3M | (574K) | 43K | 49.5K | 47.0K |
Jiayin Key Cash Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Investments | (3.4M) | (126.2M) | (22.9M) | (105.9M) | (95.3M) | (100.0M) | |
Change In Cash | (2.8M) | 65.2M | 743.3M | 79.6M | 91.5M | 106.5M | |
Free Cash Flow | (36.4M) | 181.8M | 795.7M | 358.0M | 411.8M | 432.3M | |
Depreciation | 23.2M | 15.7M | 68.3M | 9.5M | 10.9M | 20.7M | |
Other Non Cash Items | (114.0M) | (136.3M) | (380.3M) | (91.4M) | (82.3M) | (78.2M) | |
Capital Expenditures | 848K | 2.8M | 119.7M | 31.5M | 36.3M | 31.3M | |
Net Income | 250.1M | 467.8M | 8.1B | 1.3B | 1.5B | 1.6B | |
End Period Cash Flow | 119.3M | 184.6M | 2.0B | 372.6M | 428.5M | 581.9M | |
Change To Netincome | 333.7M | 378.9M | 65.8M | (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 |
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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.
Downside Deviation | 7.73 | |||
Information Ratio | 0.1935 | |||
Maximum Drawdown | 47.71 | |||
Value At Risk | (6.88) | |||
Potential Upside | 13.37 |
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 | 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.