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Jiayin Group Inc (JFIN)
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Upturn Advisory Summary
09/17/2025: JFIN (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 105.75% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 822.42M USD | Price to earnings Ratio 4.45 | 1Y Target Price 11.31 |
Price to earnings Ratio 4.45 | 1Y Target Price 11.31 | ||
Volume (30-day avg) - | Beta 0.96 | 52 Weeks Range 3.70 - 19.23 | Updated Date 06/30/2025 |
52 Weeks Range 3.70 - 19.23 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 5.84% | Basic EPS (TTM) 3.46 |
Earnings Date
Report Date 2025-06-04 | When - | Estimate - | Actual 1.3891 |
Profitability
Profit Margin 21.68% | Operating Margin (TTM) 34.17% |
Management Effectiveness
Return on Assets (TTM) 16.64% | Return on Equity (TTM) 42.92% |
Valuation
Trailing PE 4.45 | Forward PE 1.76 | Enterprise Value 802483920 | Price to Sales(TTM) 0.13 |
Enterprise Value 802483920 | Price to Sales(TTM) 0.13 | ||
Enterprise Value to Revenue 0.94 | Enterprise Value to EBITDA 3.74 | Shares Outstanding 26369500 | Shares Floating 50037152 |
Shares Outstanding 26369500 | Shares Floating 50037152 | ||
Percent Insiders 1.52 | Percent Institutions 2.91 |
Upturn AI SWOT
Jiayin Group Inc
Company Overview
History and Background
Jiayin Group Inc. was founded in 2011 and is headquartered in Shanghai, China. It operates as a financial technology platform connecting individual investors and borrowers in China.
Core Business Areas
- Online Marketplace Lending: Connects borrowers with investors through an online platform. Loan products primarily include personal loans for consumption purposes.
Leadership and Structure
Yan Dinggui is the CEO. The company operates under a board of directors and has a typical corporate structure.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured personal loans facilitated through the online platform. Market share data is difficult to determine precisely but it's a player in China's fragmented P2P lending market. Competitors include other P2P platforms like Lufax (LU), 360 DigiTech (QFIN), and LexinFintech (LX).
Market Dynamics
Industry Overview
The Chinese P2P lending market has undergone significant regulatory changes, leading to consolidation and increased scrutiny. Many platforms have ceased operations or are transitioning to other business models.
Positioning
Jiayin Group Inc. aims to provide a convenient and efficient platform for borrowers and lenders in China, focusing on risk management and compliance.
Total Addressable Market (TAM)
The overall online lending market in China is vast, with trillions of RMB in potential loan volume. Jiayin Group Inc. captures a small portion of this market, facing intense competition and regulatory headwinds.
Upturn SWOT Analysis
Strengths
- Established Platform
- Technology Infrastructure
- Risk Management Capabilities
Weaknesses
- Regulatory Risk
- Credit Risk
- Concentration in China
Opportunities
- Expansion into New Products
- Partnerships with Financial Institutions
- Technological Innovation
Threats
- Stricter Regulations
- Increased Competition
- Economic Downturn in China
Competitors and Market Share
Key Competitors
- LU
- QFIN
- LX
Competitive Landscape
Jiayin Group Inc. faces intense competition from larger and more established players. Its ability to differentiate through technology and risk management is crucial for its success.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on market and regulatory conditions.
Future Projections: Future growth projections depend on market and regulatory conditions.
Recent Initiatives: Recent initiatives should be described in the latest investor reports. See Jiayin Group Inc's filings.
Summary
Jiayin Group Inc. is a player in the Chinese fintech market, facing challenges from regulatory changes and intense competition. While the company has established a platform and developed risk management capabilities, its future success depends on adapting to the evolving landscape and achieving sustainable growth. Investors should closely monitor regulatory developments and the company's financial performance. The company needs to focus on innovation and compliance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Industry News
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Jiayin Group Inc
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2019-05-10 | Founder, Chairman & CEO Mr. Dinggui Yan | ||
Sector Communication Services | Industry Internet Content & Information | Full time employees 1028 | Website https://www.jiayintech.cn |
Full time employees 1028 | Website https://www.jiayintech.cn | ||
Jiayin Group Inc., together with its subsidiaries, engages in the provision of online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers loan products with fixed terms and repayment schedules; guarantee services; referral services for investment products offered by the third-party financial service providers; technology development services; and commercial services. The company was founded in 2011 and is headquartered in Shanghai, China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.
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