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Upturn AI SWOT - About
Jiayin Group Inc (JFIN)
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Upturn Advisory Summary
06/16/2025: JFIN (3-star) is a STRONG-BUY. BUY since 25 days. Profits (35.42%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $11.31
Year Target Price $11.31
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 133.44% | Avg. Invested days 40 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 06/16/2025 |
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 |
Analyst Ratings
Rating - | Target Price 11.31 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Jiayin Group Inc
Company Overview
History and Background
Jiayin Group Inc., formerly known as Orient Finance Holdings Corporation, was founded in 2011. It is a fintech platform connecting individual investors and borrowers in China. Over time, it has adapted to regulatory changes in the online lending industry.
Core Business Areas
- Online Consumer Finance Marketplace: Operates an online platform connecting individual investors with borrowers seeking unsecured loans in China. Facilitates loan origination, credit assessment, and loan servicing.
Leadership and Structure
Yan Dinggui is the Chairman and CEO. The company has a typical corporate structure with a board of directors and executive management team.
Top Products and Market Share
Key Offerings
- Loan Facilitation Services: Connects borrowers and lenders on its online platform. Market share data is difficult to pinpoint precisely for a specific segment, especially in a dynamic regulatory landscape. Competitors include Lufax and 360 DigiTech.
Market Dynamics
Industry Overview
The online lending industry in China has undergone significant regulatory changes in recent years, leading to consolidation and increased scrutiny.
Positioning
Jiayin Group focuses on providing accessible credit to underserved individuals. Competitive advantages include its established platform and experience navigating the Chinese regulatory environment.
Total Addressable Market (TAM)
The TAM for consumer finance in China is significant, estimated to be in the trillions of USD. Jiayin Group is positioned to capture a segment of this market, but its success depends on regulatory compliance and market conditions.
Upturn SWOT Analysis
Strengths
- Established online platform
- Experience in Chinese regulatory environment
- Focus on underserved borrowers
- Proprietary Credit Assessment technology
Weaknesses
- High regulatory risk
- Concentration of operations in China
- Reliance on third-party funding sources
- Reputation risk associated with P2P lending
Opportunities
- Expansion into new product offerings
- Strategic partnerships with financial institutions
- Leveraging technology to improve efficiency and reduce risk
- International Expansion to South East Asia
Threats
- Stricter regulations on online lending
- Increased competition from larger financial institutions
- Economic slowdown in China
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- LU
- QD
- YRD
Competitive Landscape
Jiayin Group faces significant competition from larger, more established players in the Chinese fintech market. Its advantage lies in its specialized focus and flexible platform.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been dependent on the regulatory environment, which has changed multiple times
Future Projections: Future growth is projected to be modest, based on analyst estimates.
Recent Initiatives: Recent initiatives include diversification of funding sources and enhancement of risk management capabilities.
Summary
Jiayin Group operates in a high-risk, high-reward environment. The company has shown resilience in adapting to regulatory changes. Its strengths lie in its established platform and focus on underserved borrowers. However, it faces significant challenges from regulatory uncertainty and competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
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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