Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
JFIN
SELLREMOVEJiayin Group Inc. · Financial Services · China · $216M · Avg Vol: $328K/d
Jiayin Group is a Chinese online micro-lender. It operates in a highly volatile regulatory environment, lacks a durable economic moat, and carries significant credit risk, making it unsuitable for a high-conviction portfolio.
COMPANY DESCRIPTION
Jiayin Group Inc. operates an online individual finance marketplace in China, facilitating connections between individual borrowers and institutional funding partners. The company's competitive moat is its proprietary risk management systems, which leverage big data and AI for credit assessment, along with a wide network of funding partners and a significant user base. Jiayin is a key player in China's online consumer finance sector, capitalizing on the demand for accessible credit and the growth of digital financial services.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | 483.4M | 807.9M | 857.2M | 919.5M | 23.9% |
| EPS | 1.29 | 27.64 | 30.56 | 25.06 | — | 168.9% |
| Shares | — | 25.3M | 25.3M | 25.3M | 216.1M | +753.2% |
| Debt | — | 4.1M | 7.1M | 7.6M | 103.5M | 194.4% |
| Equity | — | 183.7M | 352.0M | 462.4M | 655.1M | 52.8% |
| Op CF | — | 19.7M | 57.6M | 210.6M | 185.8M | 111.1% |
| Inv CF | — | -3.4M | -15.6M | -115.8M | -287.6M | — |
| Fin CF | — | -1.9M | -28.6M | -49.2M | 72.0M | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of JFIN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| JFIN | Jiayin Group Inc.(you) | $216M | 22 | SELL |
| 2473.HK | XXF Group Holdings Limited | $156M | 14 | STRONG SELL |
| LX | LexinFintech Holdings Ltd. | $332M | 14 | STRONG SELL |
| 2051.HK | Vala Inc. | $95M | 7 | STRONG SELL |
| 6069.HK | SY Holdings Group Limited | $1.1B | 25 | SELL |
| LU | Lufax Holding Ltd | $1.1B | 30 | SELL |
| 603123.SS | Beijing Cuiwei Tower Co., Ltd. | $1.1B | 3 | STRONG SELL |
| 2858.HK | Yixin Group Limited | $1.0B | 42 | HOLD |
| QFIN | Qfin Holdings, Inc. | $1.8B | 40 | HOLD |
| 2666.HK | Genertec Universal Medical Group Company Limited | $1.2B | 52 | HOLD |
Peer medians: ROE 8.2% · P/E 8.3x · Gross margin 35.3%