Jiayin Group Inc (JFIN) AI Stock Analysis
JFIN AI stock analysis summary
AI ResearchJiayin Group Inc (JFIN) is a Shanghai-based fintech platform connecting individual borrowers with financial institutions for online consumer finance. Over the trailing twelve months, revenue reached $4.05B with a net profit margin of 5.7%, though quarterly revenue dropped 60.9% year-over-year in the quarter ended June 30, 2026. The stock closed at $1.28 on October 16, 2026, trading at a trailing P/E multiple of 1.9x.
- Market cap
- $67.0M
- Revenue (TTM)
- $4.05B
- P/E
- 1.9x fwd 1.8x
- 1Y return
- -86.8% S&P 500 16.8%
- Avg. target
- $11.31 783.6% vs last close
Bull case
- JFIN generated $622.3M in free cash flow and $1.26B in operating cash flow in FY2025.
- The stock trades at a trailing P/E of 1.9x and price-to-book of 0.1x, well below the peer median trailing P/E of 12.1x.
- Wall Street analysts maintain a mean price target of $11.31, representing a 783.6% premium over the last close of $1.28.
Bear case
- Revenue contracted 85.1% in FY2025 to $865.6M, contributing to a 5-year revenue CAGR of -7.8%.
- Quarterly revenue dropped 60.9% and quarterly earnings declined 62.4% year-over-year in the quarter ended June 30, 2026.
- Operating margin turned negative over the trailing twelve months at -33.5%, while the stock fell 86.8% over the past year.
What Jiayin does
Jiayin Group Inc. operates an online consumer finance fintech platform based in Shanghai, China. Established in 2011, the company acts as an intermediary connecting individual borrowers with financial institutions to facilitate lending transactions and provide referral services for partner investment products. To support its platform operations, Jiayin Group provides software development, risk control measures, marketing support, and IT assistance. These services aim to ensure transparent, secure, and efficient connections between borrowers and institutional partners while improving accessibility across China's fintech sector.
Growth and profitability
Annual revenue expanded from $1.78B in FY2021 to $3.27B in FY2022, $5.47B in FY2023, and peaked at $5.80B in FY2024 before falling 85.1% to $865.6M in FY2025. Over the 5-year period from FY2020 to FY2025, revenue posted a CAGR of -7.8%. Net income was $472.1M in FY2021, $1.18B in FY2022, $1.30B in FY2023, $1.06B in FY2024, and $213.6M in FY2025, with EPS rising to $20.99 in FY2025. For the trailing twelve months ended June 30, 2026, revenue stood at $4.05B with an operating margin of -33.5% and a net profit margin of 5.7%. In the latest quarter, quarterly revenue fell 60.9% and quarterly earnings dropped 62.4% year-over-year.
Balance sheet and cash flow
As of June 30, 2026, Jiayin Group held $504.0M in cash and short-term investments alongside total debt of $636.9M, resulting in net debt of $132.9M. Total assets stood at $8.58B against shareholders' equity of $4.21B, reflecting a current ratio of 1.79 and a debt-to-equity ratio of 0.15. In FY2025, the company generated operating cash flow of $1.26B and free cash flow of $622.3M, while directing $635.1M to capital expenditures, $110.7M to share buybacks, and $108.2M to dividends paid.
Valuation and performance
Jiayin Group trades at a trailing P/E of 1.9x and a forward P/E of 1.8x, both below the median of its US-listed Financial Services peers, which stand at 12.1x and 10.8x, respectively. Its enterprise value to EBITDA ratio is 2.5x compared to the peer median of 11.7x, while its price-to-sales multiple is 0.0x versus the peer median of 3.2x. Over the past year, JFIN shares declined 86.8%, underperforming the S&P 500 (SPY) return of 16.8%. The stock's 5-year return of -57.7% also trailed the S&P 500 return of 83.0%.
What analysts expect
Wall Street analysts set a mean price target of $11.31 for JFIN, representing an implied upside of 783.6% compared to the October 16, 2026 closing price of $1.28. Over the last four quarters, the company delivered two earnings per share beats. Jiayin Group's next earnings report is scheduled for November 24, 2026.
Key risks and what to watch
- A trailing twelve-month operating margin of -33.5% highlights operational profitability pressures despite a gross margin of 77.9% in FY2025.
- Total debt of $636.9M exceeds cash and short-term investments of $504.0M, creating net debt of $132.9M as of June 30, 2026.
- Share price volatility has pushed the stock down 77.9% year-to-date to $1.28, which sits 68.3% below its 200-day moving average.
- Research and development expenses increased from $143.7M in FY2021 to $427.1M in FY2025, adding overhead as revenue contracted.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this JFIN AI stock analysis
This page is an AI-written research summary of Jiayin Group Inc (JFIN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: JFIN income statement, JFIN balance sheet, JFIN key metrics, JFIN chart. See the JFIN stock overview for the latest quote and news.
JFIN AI stock analysis FAQ
What is Jiayin Group's current valuation?
As of October 16, 2026, Jiayin Group has a market cap of $67.0M and an enterprise value of $100.4M. It trades at a trailing P/E of 1.9x and an EV/EBITDA of 2.5x.
What is the analyst price target for JFIN?
The mean analyst price target is $11.31, which is 783.6% above the last closing price of $1.28.
How has JFIN performed compared to the S&P 500?
Over the trailing 1-year period, JFIN returned -86.8% compared to a 16.8% return for the S&P 500 (SPY). Over 5 years, JFIN fell 57.7% while the S&P 500 gained 83.0%.
How strong is Jiayin Group's balance sheet?
As of June 30, 2026, the company held $504.0M in cash and short-term investments against $636.9M in total debt. It reported shareholders' equity of $4.21B and a current ratio of 1.79.