Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
JFIN
BuyUnloved QualityFLAGJiayin Group Inc. · Financial Services · China · $110M · Avg Vol: $89K/d
Insufficient evidence for a screen-pass. Jiayin Group Inc.: fails the quant gate on momentum (Q62/V81/M21; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.
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 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 487.7M | 815.0M | 864.8M | 927.6M | 23.9% | 605.1M |
| EPS | 1.30 | 27.57 | 30.26 | 24.98 | 36.22 | 129.7% | 0.70 |
| Shares | — | 25.3M | 25.3M | 25.3M | 25.3M | 0.0% | 25.3M |
| Debt | — | 4.1M | 7.1M | 7.7M | 104.5M | 194.4% | 95.1M |
| Equity | — | 185.3M | 355.1M | 466.5M | 660.9M | 52.8% | — |
| Op CF | — | 19.9M | 58.1M | 212.5M | 187.5M | 111.1% | 187.7M |
| Inv CF | — | -3.4M | -15.8M | -116.8M | -290.1M | — | — |
| Fin CF | — | -1.9M | -28.8M | -49.6M | 72.6M | — | — |
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) | $110M | 69 | Buy |
| XYF | X Financial | $213M | 72 | Buy |
| LX | LexinFintech Holdings Ltd. | $194M | 49 | Hold |
| YRD | Yiren Digital Ltd. | $103M | 18 | Strong Sell |
| 1905.HK | Haitong Unitrust International Financial Leasing Co., Ltd. | $1.1B | 63 | Hold |
| 2473.HK | XXF Group Holdings Limited | $107M | 16 | Strong Sell |
| 3660.HK | Qfin Holdings, Inc. | $1.1B | 62 | Hold |
| FINV | FinVolution Group | $803M | 52 | Hold |
| 2666.HK | Genertec Universal Medical Group Company Limited | $1.2B | 43 | Hold |
| 2051.HK | Vala Inc. | $75M | 3 | Strong Sell |
Peer medians: ROE 8.4% · P/E 7.6x · Gross margin 54.1%