Jiayin Group Inc. Fundamental Analysis
Jiayin Group Inc. Fundamental Analysis
Jiayin Group Inc. (JFIN) shows strong financial fundamentals with a PE ratio of 0.87, profit margin of 24.72%, and ROE of 37.65%. The company generates $6.3B in annual revenue with weak year-over-year growth of -85.08%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -22.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze JFIN's fundamental strength across five key dimensions:
Efficiency Score
ExcellentJFIN demonstrates superior asset utilization.
Valuation Score
ExcellentJFIN trades at attractive valuation levels.
Growth Score
WeakJFIN faces weak or negative growth trends.
Financial Health Score
ExcellentJFIN maintains a strong and stable balance sheet.
Profitability Score
ModerateJFIN maintains healthy but balanced margins.
Key Financial Metrics
Is JFIN Expensive or Cheap?
P/E Ratio
JFIN trades at 0.87 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, JFIN's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values Jiayin Group Inc. at 0.30 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.39 times EBITDA. This is generally considered low.
How Well Does JFIN Make Money?
Net Profit Margin
For every $100 in sales, Jiayin Group Inc. keeps $24.72 as profit after all expenses.
Operating Margin
Core operations generate 28.93 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $37.65 in profit for every $100 of shareholder equity.
ROA
Jiayin Group Inc. generates $17.52 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Jiayin Group Inc. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Jiayin Group Inc. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
JFIN converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
0.87
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.003
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.30
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.22
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.16
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.88
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.38
vs 25 benchmark
ROA
Return on assets percentage
0.18
vs 25 benchmark
ROCE
Return on capital employed
0.35
vs 25 benchmark
How JFIN Stacks Against Its Sector Peers
| Metric | JFIN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 0.87 | 24.20 | Better (Cheaper) |
| ROE | 37.65% | 959.00% | Weak |
| Net Margin | 24.72% | -68674.00% (disorted) | Strong |
| Debt/Equity | 0.16 | 3.02 | Strong (Low Leverage) |
| Current Ratio | 1.88 | 1.71 | Neutral |
| ROA | 17.52% | -2558.00% (disorted) | Strong |
JFIN outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Jiayin Group Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-30.05%
Industry Style: Growth, Technology, Streaming
DecliningEPS CAGR
-11.24%
Industry Style: Growth, Technology, Streaming
DecliningFCF CAGR
3820.77%
Industry Style: Growth, Technology, Streaming
High Growth