Symbols / JFIN $3.72 -22.28% Jiayin Group Inc.

Communication Services • Internet Content & Information • China • NGM
JFIN Chart
About

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.

Fundamentals
Scroll to Statements
Sector Communication Services Industry Internet Content & Infor Market Cap 198.27M
Enterprise Value 892.93M Income 1.71B Sales 6.54B
Book/sh 12.13 Cash/sh 0.60 Dividend Yield 16.77%
Payout 17.66% Employees 1028 IPO —
P/E 0.79 Forward P/E 1.96 PEG —
P/S 0.03 P/B 0.31 P/C —
EV/EBITDA 0.42 EV/Sales 0.14 Quick Ratio 1.70
Current Ratio 2.41 Debt/Eq 0.83 LT Debt/Eq —
EPS (ttm) 4.70 EPS next Y 1.90 EPS Growth 44.70%
Revenue Growth 1.80% Earnings 2026-03-31 ROA 19.91%
ROE 47.84% ROIC — Gross Margin 80.92%
Oper. Margin 31.08% Profit Margin 26.17% Shs Outstand 26.37M
Shs Float 48.11M Short Float 1.09% Short Ratio 2.78
Short Interest — 52W High 19.23 52W Low 3.70
Beta 0.55 Avg Volume 68.15K Volume 224.54K
Target Price — Recom None Prev Close $4.78
Price $3.71 Change -22.28%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$4.27
Latest analyst target
3. DCF / Fair value
$70.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$4.27
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2021-04-14 main Roth Capital — → Buy $9
2019-08-27 init Roth Capital — → Buy $17
News
RSS: Latest JFIN news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Revenue
5,801.03
+6.11%
5,466.87
+67.11%
3,271.41
+83.74%
1,780.49
Operating Revenue
5,369.48
+9.98%
4,882.27
+66.69%
2,928.87
+99.22%
1,470.17
Cost Of Revenue
2,033.51
+1.09%
2,011.55
+255.88%
565.23
+68.26%
335.93
Reconciled Cost Of Revenue
2,033.51
+1.09%
2,011.55
+255.88%
565.23
+68.26%
335.93
Gross Profit
3,767.52
+9.04%
3,455.32
+27.68%
2,706.19
+87.34%
1,444.56
Operating Expense
2,519.51
+18.69%
2,122.85
+39.28%
1,524.17
+50.52%
1,012.60
Research And Development
372.44
+25.69%
296.32
+36.74%
216.69
+50.76%
143.73
Selling General And Administration
2,134.86
+21.73%
1,753.77
+37.51%
1,275.42
+54.70%
824.44
Selling And Marketing Expense
1,913.87
+24.36%
1,538.91
+42.31%
1,081.38
+64.02%
659.29
General And Administrative Expense
220.99
+2.86%
214.86
+10.73%
194.04
+17.49%
165.15
Other Gand A
220.99
+2.86%
214.86
+10.73%
194.04
+17.49%
165.15
Total Expenses
4,553.02
+10.13%
4,134.40
+97.88%
2,089.39
+54.94%
1,348.53
Operating Income
1,248.02
-6.34%
1,332.47
+12.73%
1,182.02
+173.64%
431.96
Total Operating Income As Reported
1,248.02
-6.34%
1,332.47
+12.73%
1,182.02
+173.64%
431.96
EBITDA
1,265.89
-5.67%
1,341.93
+12.58%
1,191.98
+166.29%
447.63
Normalized EBITDA
1,332.24
+15.35%
1,154.95
+5.95%
1,090.04
+252.09%
309.59
Reconciled Depreciation
17.87
+88.91%
9.46
-5.02%
9.96
-36.45%
15.67
EBIT
1,248.02
-6.34%
1,332.47
+12.73%
1,182.02
+173.64%
431.96
Total Unusual Items
-66.35
-135.49%
186.98
+83.42%
101.94
-26.15%
138.04
Total Unusual Items Excluding Goodwill
-66.35
-135.49%
186.98
+83.42%
101.94
-26.15%
138.04
Special Income Charges
-66.35
-135.49%
186.98
+83.42%
101.94
-26.15%
138.04
Write Off
51.92
-43.09%
91.24
+505.09%
15.08
0.00
Net Income
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
+149.88%
472.09
Pretax Income
1,295.37
-16.28%
1,547.18
+16.53%
1,327.69
+126.63%
585.83
Net Non Operating Interest Income Expense
18.28
+41.77%
12.89
+4488.97%
0.28
+125.16%
-1.12
Net Interest Income
18.28
+41.77%
12.89
+4488.97%
0.28
+125.16%
-1.12
Other Income Expense
29.07
-85.59%
201.82
+38.81%
145.39
-6.20%
155.00
Other Non Operating Income Expenses
95.43
+543.29%
14.83
-65.86%
43.45
+156.29%
16.95
Gain On Sale Of Business
-14.43
-105.19%
278.22
+137.75%
117.02
-15.23%
138.04
Tax Provision
238.90
-3.52%
247.62
+59.34%
155.40
+23.60%
125.72
Tax Rate For Calcs
0.00
+15.03%
0.00
+37.83%
0.00
-45.09%
0.00
Tax Effect Of Unusual Items
-12.24
-140.82%
29.97
+152.81%
11.86
-59.45%
29.24
Net Income Including Noncontrolling Interests
1,056.47
-18.58%
1,297.58
+9.94%
1,180.23
+152.32%
467.76
Net Income From Continuing Operation Net Minority Interest
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
+149.88%
472.09
Net Income From Continuing And Discontinued Operation
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
+149.88%
472.09
Net Income Continuous Operations
1,056.47
-18.58%
1,297.58
+9.94%
1,180.23
+152.32%
467.76
Minority Interests
0.01
-76.74%
0.04
+107.49%
-0.57
-113.27%
4.33
Normalized Income
1,110.60
-2.63%
1,140.61
+4.68%
1,089.57
+199.93%
363.28
Net Income Common Stockholders
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
+149.88%
472.09
Diluted EPS
19.88
-17.99%
24.24
+10.58%
21.92
+151.38%
8.72
Basic EPS
19.88
-17.99%
24.24
+10.58%
21.92
+151.38%
8.72
Basic Average Shares
53.11
-0.73%
53.50
-0.59%
53.81
-0.39%
54.02
Diluted Average Shares
53.11
-0.73%
53.50
-0.59%
53.81
-0.39%
54.02
Diluted NI Availto Com Stockholders
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
+149.88%
472.09
Earnings From Equity Interest Net Of Tax
0.00
+100.00%
-1.99
-125.06%
7.94
+3.78%
7.65
Provision For Doubtful Accounts
12.20
-83.23%
72.76
+127.01%
32.05
-27.85%
44.43
Total Other Finance Cost
-18.28
-41.77%
-12.89
-4488.97%
-0.28
-125.16%
1.12
Line Item Trend 2024-12-31 2023-12-31 2022-12-31
Total Assets
5,409.89
-4.16%
5,644.77
+86.86%
3,020.87
Current Assets
4,340.48
-19.47%
5,389.86
+91.72%
2,811.33
Cash Cash Equivalents And Short Term Investments
540.52
+46.01%
370.19
+27.21%
291.02
Cash And Cash Equivalents
540.52
+46.01%
370.19
+27.21%
291.02
Receivables
3,490.42
-13.44%
4,032.41
+97.14%
2,045.46
Accounts Receivable
2,674.90
+63.98%
1,631.25
+24.45%
1,310.75
Gross Accounts Receivable
2,694.48
+63.80%
1,645.01
+25.26%
1,313.29
Allowance For Doubtful Accounts Receivable
-19.57
-42.34%
-13.75
-441.63%
-2.54
Other Receivables
811.11
-66.17%
2,397.87
+235.92%
713.81
Loans Receivable
0.00
-100.00%
2.78
-11.71%
3.15
Prepaid Assets
—
—
16.45
Restricted Cash
266.92
-70.64%
909.15
+118.32%
416.42
Other Current Assets
42.61
-45.44%
78.10
+33.66%
58.43
Total Non Current Assets
1,069.41
+319.53%
254.91
+21.65%
209.54
Net PPE
97.16
+7.96%
89.99
+93.51%
46.50
Gross PPE
199.26
+14.01%
174.77
+42.85%
122.35
Accumulated Depreciation
-102.10
-20.44%
-84.78
-11.78%
-75.84
Properties
0.00
0.00
0.00
Machinery Furniture Equipment
13.04
-2.77%
13.42
+9.18%
12.29
Other Properties
178.12
+16.22%
153.26
+50.31%
101.96
Leases
8.09
+0.00%
8.09
+0.00%
8.09
Investments And Advances
162.27
+59.90%
101.48
+12.14%
90.50
Long Term Equity Investment
—
101.43
+12.14%
90.45
Non Current Deferred Assets
72.41
+18.36%
61.17
-13.57%
70.78
Non Current Deferred Taxes Assets
72.41
+18.36%
61.17
-13.57%
70.78
Other Non Current Assets
737.58
+32493.15%
2.26
+28.65%
1.76
Total Liabilities Net Minority Interest
2,282.28
-30.08%
3,264.30
+83.45%
1,779.37
Current Liabilities
2,016.96
-11.63%
2,282.40
+28.45%
1,776.89
Payables And Accrued Expenses
1,654.95
+27.51%
1,297.87
-10.19%
1,445.19
Payables
921.05
+36.45%
675.00
-25.27%
903.25
Other Payable
144.06
+51.88%
94.86
-64.85%
269.86
Current Accrued Expenses
733.90
+17.83%
622.87
+14.93%
541.94
Total Tax Payable
687.03
+20.78%
568.82
-10.11%
632.83
Current Debt And Capital Lease Obligation
—
15.57
-37.69%
24.99
Current Capital Lease Obligation
—
15.57
-37.69%
24.99
Current Deferred Liabilities
299.95
-67.64%
926.98
+235.23%
276.52
Current Deferred Revenue
229.50
-74.12%
886.86
+220.72%
276.52
Other Current Liabilities
62.06
+7.83%
57.55
+90.62%
30.19
Total Non Current Liabilities Net Minority Interest
265.32
-72.98%
981.90
+39508.91%
2.48
Long Term Debt And Capital Lease Obligation
51.68
+7.75%
47.96
+1834.57%
2.48
Long Term Capital Lease Obligation
51.68
+7.75%
47.96
+1834.57%
2.48
Non Current Deferred Liabilities
—
40.12
0.00
Other Non Current Liabilities
213.64
-77.12%
933.95
—
Stockholders Equity
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Common Stock Equity
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Capital Stock
0.00
0.00
0.00
Common Stock
0.00
0.00
0.00
Share Issued
216.10
+0.00%
216.10
+0.00%
216.10
Ordinary Shares Number
213.48
+0.64%
212.13
-0.75%
213.73
Treasury Shares Number
2.62
-33.96%
3.97
+67.33%
2.37
Additional Paid In Capital
909.65
+0.86%
901.93
+3.60%
870.56
Retained Earnings
2,241.41
+46.90%
1,525.84
+296.43%
384.90
Gains Losses Not Affecting Retained Earnings
7.10
+169.67%
-10.19
-227.41%
-3.11
Treasury Stock
28.89
-18.49%
35.44
+282.67%
9.26
Minority Interest
-1.66
+1.25%
-1.68
-6.26%
-1.58
Other Equity Adjustments
7.10
+169.67%
-10.19
-227.41%
-3.11
Total Equity Gross Minority Interest
3,127.61
+31.39%
2,380.46
+91.74%
1,241.50
Total Capitalization
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Working Capital
2,323.52
-25.23%
3,107.46
+200.40%
1,034.44
Invested Capital
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Total Debt
51.68
+7.75%
47.96
+74.61%
27.46
Capital Lease Obligations
51.68
+7.75%
47.96
+74.61%
27.46
Net Tangible Assets
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Tangible Book Value
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Available For Sale Securities
—
0.05
+0.00%
0.05
Current Deferred Taxes Liabilities
70.45
+75.62%
40.12
0.00
Duefrom Related Parties Current
4.41
+766.60%
0.51
-97.13%
17.75
Dueto Related Parties Current
89.95
+694.23%
11.32
+1900.88%
0.57
Investmentin Financial Assets
—
0.05
+0.00%
0.05
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow
1,425.49
+265.90%
389.59
+191.63%
133.59
-27.61%
184.54
Cash Flow From Continuing Operating Activities
1,425.49
+265.90%
389.59
+191.63%
133.59
-27.61%
184.54
Net Income From Continuing Operations
1,056.47
-18.58%
1,297.58
+9.94%
1,180.23
+152.32%
467.76
Depreciation Amortization Depletion
17.87
+88.91%
9.46
-5.02%
9.96
-36.45%
15.67
Depreciation And Amortization
17.87
+88.91%
9.46
-5.02%
9.96
-36.45%
15.67
Other Non Cash Items
23.56
+109.09%
-259.20
-121.50%
-117.02
+14.14%
-136.30
Stock Based Compensation
59.12
+8.77%
54.35
+27.75%
42.55
+180.18%
15.19
Provisionand Write Offof Assets
12.20
-83.23%
72.76
+127.01%
32.05
-27.85%
44.43
Asset Impairment Charge
51.92
-43.09%
91.24
+505.09%
15.08
0.00
Operating Gains Losses
-54.59
-1532.35%
3.81
+148.00%
-7.94
-50.61%
-5.27
Gain Loss On Investment Securities
-69.02
—
—
—
Gain Loss On Sale Of PPE
0.00
+100.00%
-0.19
0.00
-100.00%
0.02
Change In Working Capital
258.93
+129.41%
-880.41
+13.80%
-1,021.32
-370.79%
-216.94
Change In Receivables
-184.79
+86.94%
-1,415.24
+7.18%
-1,524.67
-342.72%
-344.39
Changes In Account Receivables
-886.46
-78.19%
-497.47
+59.63%
-1,232.33
-257.83%
-344.39
Change In Prepaid Assets
1,494.51
+179.06%
-1,890.44
-314.37%
-456.22
-2842.79%
-15.50
Change In Payables And Accrued Expense
365.03
-46.48%
682.09
-1.62%
693.33
+262.98%
191.01
Change In Accrued Expense
190.56
-57.18%
445.05
+0.22%
444.06
+708.89%
54.90
Change In Payable
174.47
-26.40%
237.04
-4.90%
249.26
+83.13%
136.11
Change In Other Working Capital
-664.90
-179.88%
832.34
+212.17%
266.63
+653.32%
-48.19
Change In Other Current Assets
0.19
+136.90%
-0.50
-106.82%
7.39
+123.00%
-32.11
Change In Other Current Liabilities
-751.11
-182.42%
911.35
+11817.05%
-7.78
-124.12%
32.25
Investing Cash Flow
-783.52
-640.22%
-105.85
-361.24%
-22.95
+81.82%
-126.22
Cash Flow From Continuing Investing Activities
-783.52
-640.22%
-105.85
-361.24%
-22.95
+81.82%
-126.22
Net PPE Purchase And Sale
-739.13
-2307.43%
-30.70
-75.76%
-17.47
-533.59%
-2.76
Purchase Of PPE
-739.13
-2243.32%
-31.54
-80.57%
-17.47
-531.07%
-2.77
Sale Of PPE
0.00
-99.76%
0.84
0.00
-100.00%
0.01
Capital Expenditure
-739.13
-2243.32%
-31.54
-80.57%
-17.47
-531.07%
-2.77
Net Investment Purchase And Sale
-28.56
+63.17%
-77.53
0.00
0.00
Purchase Of Investment
-97.58
-25.85%
-77.53
0.00
0.00
Sale Of Investment
69.02
0.00
0.00
—
Net Business Purchase And Sale
-2.68
+96.10%
-68.75
0.00
+100.00%
-111.04
Purchase Of Business
-2.68
+96.10%
-68.75
0.00
+100.00%
-111.04
Gain Loss On Sale Of Business
14.43
+617.25%
2.01
0.00
-100.00%
2.36
Net Other Investing Changes
-13.15
-118.49%
71.13
+1397.79%
-5.48
+55.88%
-12.42
Financing Cash Flow
-332.69
-71.95%
-193.48
-1439.72%
-12.57
-226.44%
9.94
Cash Flow From Continuing Financing Activities
-332.69
-71.95%
-193.48
-1439.72%
-12.57
-226.44%
9.94
Net Issuance Payments Of Debt
21.58
0.00
0.00
0.00
Issuance Of Debt
27.34
0.00
0.00
-100.00%
15.00
Repayment Of Debt
-5.75
0.00
0.00
+100.00%
-15.00
Long Term Debt Issuance
27.34
0.00
0.00
-100.00%
15.00
Net Long Term Debt Issuance
27.34
0.00
0.00
-100.00%
15.00
Short Term Debt Payments
-5.75
0.00
0.00
+100.00%
-15.00
Net Short Term Debt Issuance
-5.75
0.00
0.00
+100.00%
-15.00
Net Common Stock Issuance
-53.26
-39.86%
-38.08
-158.18%
-14.75
0.00
Common Stock Payments
-53.26
-39.86%
-38.08
-158.18%
-14.75
0.00
Common Stock Dividend Paid
-301.18
-92.23%
-156.67
0.00
—
Cash Dividends Paid
-301.18
-92.23%
-156.67
0.00
-100.00%
2.59
Repurchase Of Capital Stock
-53.26
-39.86%
-38.08
-158.18%
-14.75
0.00
Proceeds From Stock Option Exercised
0.17
-86.73%
1.27
-41.67%
2.18
-70.29%
7.35
Net Other Financing Charges
—
—
—
2.59
Changes In Cash
309.28
+242.67%
90.26
-7.97%
98.08
+43.69%
68.26
Effect Of Exchange Rate Changes
-4.05
+62.01%
-10.67
-202.63%
10.40
+445.53%
-3.01
Beginning Cash Position
372.63
+27.16%
293.04
+58.77%
184.57
+54.68%
119.32
End Cash Position
677.86
+81.91%
372.63
+27.16%
293.04
+58.77%
184.57
Free Cash Flow
686.36
+91.70%
358.05
+208.33%
116.12
-36.12%
181.77
Income Tax Paid Supplemental Data
118.68
+190.20%
40.90
+2052.37%
1.90
-71.27%
6.61
Change In Income Tax Payable
124.84
-43.08%
219.35
-1.97%
223.76
+61.80%
138.30
Change In Tax Payable
124.84
-43.08%
219.35
-1.97%
223.76
+61.80%
138.30
Common Stock Issuance
—
—
—
0.00
Earnings Losses From Equity Investments
0.00
-100.00%
1.99
+125.06%
-7.94
-3.78%
-7.65
Issuance Of Capital Stock
—
—
—
0.00
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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