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Jiayin Group Inc(JFIN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for JFIN
09/18/2026: JFIN (1-star) is currently NOT-A-BUY. Pass it for now.
Jiayin Group Inc is a China-based fintech company that specializes in loan facilitation by connecting individual borrowers with institutional funding partners. The company has shown resilience by successfully pivoting away from the volatile P2P lending model toward a more stable institutional partnership structure. While its proprietary risk-management technology provides a competitive edge, the firm faces significant regulatory and macroeconomic risks inherent in the Chinese financial sector. It may suit growth-oriented investors looking for exposure to Chinese fintech who can tolerate high volatility and regulatory uncertainty. Key developments to monitor include shifts in Chinese financial regulation, institutional partner retention, and ongoing credit quality trends.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential within the fintech space but carries significant regulatory risk. |
| Momentum investor | Mixed fit | Momentum is conditional on positive market sentiment toward Chinese ADRs. |
| Value investor | Strong fit while signal remains positive | The stock often trades at low valuation multiples, potentially appealing to value-oriented investors. |
| Dividend investor | Weak fit | The company does not have a consistent track record of cash dividend payments. |
| Low-risk investor | Weak fit | High regulatory and geopolitical risk profiles make this unsuitable for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to significant swings based on geopolitical and regulatory updates. |
| Valuation risk | Medium | Low multiples may reflect embedded regulatory discounts. |
| Competition risk (FinTech competition) | High | Intense competition for borrowers and funding partners keeps margins compressed. |
| Business quality | Medium | The business model is highly sensitive to external regulatory frameworks. |
| Dividend income | Low / none | Capital return is prioritized via repurchases, not dividends. |
| Execution risk | Medium | Maintaining credit quality while scaling remains a perpetual operational challenge. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Highly Choppy
The stock has experienced frequent, large price swings that make its near-term movement less predictable.
Analysis of Past Performance
Type Stock | Historic Profit 61.04% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/18/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 77.97M USD | Price to earnings Ratio 2.13 | 1Y Target Price 11.31 |
Price to earnings Ratio 2.13 | 1Y Target Price 11.31 | ||
Volume (30-day avg) 57.0K shares | Beta 0.89 | 52 Weeks Range 1.42 - 11.64 | Updated Date 09/17/2026 |
52 Weeks Range 1.42 - 11.64 | Updated Date 09/17/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.7 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Loan Facilitation | Service fees charged to institutional partners and borrowers for loan origination and risk assessment. | The company acts as a middleman, earning fees for connecting borrowers with lenders and assessing risk. |
| Geography: China | 100% of operations are focused on the domestic Chinese financial market. | Performance is tied directly to the Chinese economy and regulatory environment. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 2.13 | Forward PE 1.83 | Enterprise Value 97.90M | Price to Sales(TTM) 0.02 |
Enterprise Value 97.90M | Price to Sales(TTM) 0.02 | ||
Enterprise Value to Revenue 0.16 | Enterprise Value to EBITDA 2.48 | Shares Outstanding 25.33M | Shares Floating 16.78M |
Shares Outstanding 25.33M | Shares Floating 16.78M | ||
Percent Insiders 25.48 | Percent Institutions 2.5 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Jiayin Group Inc
Exchange NASDAQ | Headquarters - | ||
IPO Launch date 2019-05-10 | Founder, Chairman & CEO Mr. Dinggui Yan | ||
Sector Financial Services | Industry Credit Services | Full time employees 1155 | Website https://www.jiayintech.cn |
Full time employees 1155 | Website https://www.jiayintech.cn | ||
Jiayin Group Inc. provides 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 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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