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JFIN
Upturn stock ratingUpturn stock rating

Jiayin Group Inc (JFIN)

Upturn stock ratingUpturn stock rating
$11.01
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

09/12/2025: JFIN (3-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 5.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 09/12/2025

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

ai summary icon Upturn AI SWOT

Jiayin Group Inc

stock logo

Company Overview

overview logo 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.

business area logo Core Business Areas

  • Online Marketplace Lending: Connects borrowers with investors through an online platform. Loan products primarily include personal loans for consumption purposes.

leadership logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1028

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.