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Jiayin Group Inc (JFIN)
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Upturn Advisory Summary
10/31/2025: 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 10/31/2025 |
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. (JFIN) is a fintech platform connecting investors and individual borrowers in China. It was founded in 2011 and went public on the Nasdaq in 2019. The company leverages technology to facilitate loan origination and investment.
Core Business Areas
- Online Lending Platform: Jiayin operates an online platform that connects individual borrowers with investors. It provides loan matching and other related services.
Leadership and Structure
The leadership team consists of Yan Dinggui (Chairman and CEO) and other key executives. The organizational structure is designed to support its online lending platform operations.
Top Products and Market Share
Key Offerings
- Loan Facilitation Services: Jiayin's core offering is its loan facilitation service, connecting borrowers and investors. Market share data is difficult to obtain precisely but they have facilitated billions in loans. Competitors include Lufax and 360 DigiTech.
Market Dynamics
Industry Overview
The online lending industry in China is highly regulated and competitive. It is subject to changing regulations and economic conditions.
Positioning
Jiayin positions itself as a technology-driven platform connecting borrowers and investors. Its competitive advantages include its technology and data analytics capabilities.
Total Addressable Market (TAM)
The TAM for online lending in China is substantial, estimated in the trillions of RMB. Jiayin's positioning is to capture a portion of this market by focusing on specific borrower and investor segments.
Upturn SWOT Analysis
Strengths
- Technology platform
- Data analytics capabilities
- Experienced management team
Weaknesses
- Regulatory risk in China
- Concentration of borrowers and investors
- Competition in the online lending market
Opportunities
- Expansion into new borrower and investor segments
- Development of new financial products and services
- Strategic partnerships
Threats
- Changes in regulations
- Increased competition
- Economic slowdown in China
- Reputational risks related to the online lending industry
Competitors and Market Share
Key Competitors
- LU (LU)
- QD (360 DigiTech)
Competitive Landscape
Jiayin faces intense competition from larger, more established players. It must differentiate itself through technology, customer service, and risk management.
Growth Trajectory and Initiatives
Historical Growth: Jiayin's growth has been influenced by changes in Chinese regulations and market conditions.
Future Projections: Future growth projections are subject to analyst estimates and company guidance. Refer to analyst reports for specific figures.
Recent Initiatives: Recent initiatives include technology upgrades, expansion into new borrower segments, and efforts to comply with regulations.
Summary
Jiayin Group Inc. operates in a challenging and heavily regulated online lending market in China. The company's success depends on its ability to adapt to regulatory changes, manage risk, and maintain a competitive technology platform. While possessing strengths in technology, regulatory risks and competition pose significant challenges. Monitoring regulatory developments and financial performance is crucial for evaluating its long-term viability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Financial Data Providers
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share data is approximate and based on available information.
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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