Education
About Us
Working with TipRanks
Follow Us
Jiayin Group Inc (JFIN)
NASDAQ:JFIN
Top Page
Jiayin Group
(NASDAQ:JFIN)
78Outperform
Jiayin Group (JFIN) vs. S&P 500 (SPY)
Market Cap
$712.48M
Dividend Yield6.55%
Average Volume (3M)144.02K
Price to Earnings (P/E)4.8
Beta (1Y)0.75
Revenue Growth4.71%
EPS Growth-19.15%
CountryUS
Employees1,028
SectorCommunication Services
Sector Strength84
IndustryInternet Content & Information
Share Statistics
EPS (TTM)0.72
Shares Outstanding26,369,547
10 Day Avg. Volume121,678
30 Day Avg. Volume144,018
Financial Highlights & Ratios
PEG Ratio-0.60
Price to Book (P/B)1.57
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Jiayin Group Business Overview & Revenue Model
Company DescriptionJiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates transparent, secure, and fast connections between individual borrowers and financial institutions funding partners. It also provides referral services for investment products offered by the financial service providers; and software development, risk control, marketing support, and IT assistance services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China.
How the Company Makes MoneyJiayin Group generates revenue primarily through service fees charged to borrowers and investors who utilize its online lending platform. Borrowers pay fees based on the loan amount and terms, while investors are charged fees for managing their investments on the platform. The company employs advanced data analytics to assess borrower creditworthiness, which helps in setting appropriate service fees and interest rates. Additionally, Jiayin might engage in partnerships with financial institutions to expand its service offerings and enhance its revenue potential. The company's earnings are largely influenced by the volume of loans facilitated through its platform and the overall demand for consumer finance solutions in its operating regions.
Jiayin Group Financial Statement Overview
Summary
Jiayin Group shows strong financial health with robust revenue growth, high profitability, and a solid balance sheet. Revenue growth and net profit margins are impressive, with low financial leverage enhancing stability. However, a slight decline in EBIT margin and potential concerns over capital expenditures and under-leveraging slightly temper the financial outlook.Income Statement
Jiayin Group has demonstrated strong revenue growth over the years, particularly a 6.1% increase from 2023 to 2024. The company maintains healthy profitability with a robust net profit margin of 18.2% for 2024. The gross profit margin remains solid at 64.9%, indicating effective cost management. However, a slight decline in EBIT margin from the previous year should be monitored.85
Very Positive
Balance Sheet
The company's balance sheet shows a strong equity position with an equity ratio of 57.8% in 2024. The debt-to-equity ratio is low at 0.02, which indicates low financial leverage and reduced risk exposure. Return on equity is impressive at 33.8%, reflecting efficient use of equity, but the negative net debt position could be a concern if it indicates under-leveraging in an industry where leveraging can be advantageous.72
Positive
Cash Flow
Jiayin Group's cash flow analysis reveals a significant increase in free cash flow by 91.6% from 2023 to 2024, enhancing financial flexibility. The operating cash flow to net income ratio is 1.35, showing that the company effectively converts its net income into cash. However, fluctuations in capital expenditures warrant attention for potential impacts on future cash flow.78
Positive
| Breakdown | |||||
| TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 6.00B | 5.80B | 5.47B | 3.27B | 1.78B | 1.30B | Gross Profit |
| 3.47B | 3.77B | 3.46B | 2.71B | 1.44B | 1.06B | EBIT |
| 1.09B | 1.25B | 1.33B | 1.18B | 278.24M | 229.10M | EBITDA |
| 1.09B | 1.27B | 1.34B | 1.19B | 447.63M | 325.26M | Net Income Common Stockholders |
| 1.15B | 1.06B | 1.30B | 1.18B | 472.09M | 252.88M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| 568.16M | 540.52M | 370.19M | 291.02M | 182.55M | 117.32M | Total Assets |
| 5.16B | 5.41B | 5.64B | 3.02B | 971.43M | 525.37M | Total Debt |
| 50.01M | 51.68M | 47.96M | 27.46M | 35.24M | 5.20M | Net Debt |
| -518.15M | -488.85M | -322.24M | -263.55M | -147.31M | -112.13M | Total Liabilities |
| 2.66B | 2.28B | 3.26B | 1.78B | 945.68M | 989.14M | Stockholders Equity |
| 2.50B | 3.13B | 2.38B | 1.24B | 27.86M | -461.62M |
| Cash Flow | Free Cash Flow | ||||
| 0.00 | 686.36M | 358.05M | 795.68M | 181.77M | -36.35M | Operating Cash Flow |
| 0.00 | 1.43B | 389.59M | 915.37M | 184.54M | -35.51M | Investing Cash Flow |
| 0.00 | -783.52M | -105.85M | -157.25M | -126.22M | 33.23M | Financing Cash Flow |
| 0.00 | -332.69M | -193.48M | -86.10M | 9.94M | 10.60M |
Jiayin Group Technical Analysis
Positive
13.09
Price Trends
11.68
Positive
9.85
Positive
7.99
Positive
Market Momentum
0.49
Negative
61.03
Neutral
74.02
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JFIN, the sentiment is Positive. The current price of 13.09 is above the 20-day moving average (MA) of 11.69, above the 50-day MA of 11.68, and above the 200-day MA of 7.99, indicating a bullish trend. The MACD of 0.49 indicates Negative momentum. The RSI at 61.03 is Neutral, neither overbought nor oversold. The STOCH value of 74.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JFIN.
Jiayin Group Risk Analysis
Jiayin Group disclosed 100 risk factors in its most recent earnings report. Jiayin Group reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Jiayin Group Peers Comparison
Overall Rating
UnderperformOutperform
Sector (60)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $712.48M | 4.83 | 38.41% | 6.55% | 4.71% | -19.15% | |
60 Neutral | $13.88B | 7.03 | -2.76% | 3.71% | 2.20% | -43.04% | |
50 Neutral | $357.38M | ― | -3.92% | ― | -15.62% | 79.81% | |
49 Neutral | $835.93M | ― | -1.62% | ― | -14.10% | 71.04% | |
49 Neutral | $216.99M | ― | -5.44% | ― | -24.10% | -953.50% | |
45 Neutral | $314.63M | ― | -10.12% | ― | -0.38% | -61.79% | |
43 Neutral | $118.84M | ― | -24.55% | ― | ― | ― |
* Communication Services Sector Average
Performance Comparison
JFIN
Jiayin Group
13.09
6.64
102.95%
SOHU
Sohu
10.95
-0.96
-8.06%
CMCM
Cheetah Mobile
4.06
-0.05
-1.22%
HUYA
Huya
3.76
-0.77
-17.00%
DOYU
DouYu International Holdings
7.00
5.15
278.38%
ZH
Zhihu
4.11
0.41
11.08%
Jiayin Group Earnings Call Summary
Earnings Call Date:Mar 27, 2025
(Q4-2024)
| % Change Since: 8.18%|
Next Earnings Date:Jun 05, 2025
Earnings Call Sentiment Neutral
The earnings call highlighted significant achievements in loan facilitation growth, borrower acquisition, technological advancements, and overseas expansion. However, these were offset by declines in net revenue and net income due to strategic shifts and increased operational costs. The company remains optimistic about future growth and profitability, supported by enhanced dividend policies and strategic investments.Q4-2024 Updates
Positive Updates
Strong Loan Facilitation Growth
In Q4 2024, Jiayin Group facilitated loan transactions totaling RMB27.7 billion, a 37.8% year-over-year increase, with loan facilitation service revenue reaching RMB1.1 billion, up 46.3% year-over-year.
Diverse Borrower Acquisition and Retention
The company added 2.774 million new borrowers in 2024, representing a year-over-year growth of 45.1%. The annual retention rate increased by approximately 7%, with potential churn user retention rate nearly 75%.
Technological Advancements
AI-powered risk control and customer service enhancements, including a 90% accuracy rate in real-time tech reminders and a significant improvement in document recognition efficiency.
Overseas Market Expansion
In Indonesia, loan volume saw a 74% year-over-year increase, while registered users grew by 131%. The company also optimized risk indicators and improved profitability in the Mexican market.
Increased Dividend Policy
The company plans to increase the annual cash dividend to approximately 30% of the previous fiscal year’s net profit after tax, up from no less than 15%.
Negative Updates
Net Revenue Decline
Net revenue decreased by 12.2% from the same period in 2023, primarily due to the strategic downsizing of financial guarantee services.
Decreased Net Income
Net income for Q4 2024 was RMB275.5 million, representing a decrease of 25.1%, attributed to a higher base due to a one-off non-operational income in 2023.
Increased Marketing and R&D Costs
Sales and marketing expenses increased by 57% year-over-year, and R&D expenses increased by 8.1%, impacting overall profitability.
Company Guidance
During the Jiayin Group's Fourth Quarter 2024 Earnings Conference Call, the company provided detailed guidance for 2025, emphasizing its optimistic outlook for business expansion and profitability. The company set a loan facilitation volume target range of RMB137 billion to RMB142 billion for the year, representing a significant year-over-year growth rate. For the first quarter of 2025, Jiayin aims for a loan facilitation volume of RMB35 billion, with a non-GAAP income from operations target between RMB0.57 billion and RMB0.63 billion. This reflects a focus on high-quality growth and profitability, supported by ongoing macroeconomic policies favoring consumer credit. Additionally, the company plans to increase the annual cash dividend payout from no less than 15% to approximately 30% of the previous fiscal year’s net profit after tax, underscoring its commitment to enhancing shareholder returns.Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.