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Jiayin Group
(NASDAQ:JFIN)
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Rating:54Neutral
Price Target:
$2.00
â–¼(-13.42% Downside)
Action:Reiterated
Date:08/28/26
The score is held down primarily by the earnings call’s severe near-term operating and revenue declines, dividend suspension, and lack of guidance, reinforced by bearish technicals (below key moving averages with negative MACD). Offsetting factors include historically strong profitability metrics and a currently conservative balance sheet, while the very low P/E is partly discounted due to dividend sustainability uncertainty.
Positive Factors
Conservative Balance Sheet
Low recent leverage and a substantial equity base provide financial flexibility while the platform undergoes restructuring. Strong reported ROE indicates that the business has historically generated meaningful returns on its capital, although prior volatility warrants monitoring.
Negative Factors
Severe Volume and Revenue Contraction
The sharp contraction in originations and revenue indicates that Jiayin’s core mainland platform is facing a materially smaller opportunity and weaker monetization. Sustained volume pressure could impair operating leverage, partner economics and the earnings base supporting future investment.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Low recent leverage and a substantial equity base provide financial flexibility while the platform undergoes restructuring. Strong reported ROE indicates that the business has historically generated meaningful returns on its capital, although prior volatility warrants monitoring.
Read all positive factors
Jiayin Group (JFIN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$109.89M
Dividend Yield37.62%
Average Volume (3M)96.01K
Price to Earnings (P/E)0.8
Beta (1Y)1.06
Revenue Growth-35.90%
EPS Growth-85.27%
CountryUS
Employees1,155
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)4.68
Shares Outstanding25,329,546
10 Day Avg. Volume66,189
30 Day Avg. Volume96,006
Financial Highlights & Ratios
PEG Ratio-0.12
Price to Book (P/B)0.47
Price to Sales (P/S)2.41
P/FCF Ratio3.35
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Jiayin Group Business Overview & Revenue Model
Company Description
Jiayin Group Inc. is a Chinese financial technology company specializing in online consumer lending within the People's Republic of China. It operates a sophisticated fintech platform designed to facilitate secure, transparent, and swift connectio...
How the Company Makes Money
Jiayin Group primarily makes money by providing technology-driven facilitation and servicing for consumer loans rather than by directly lending at scale. Its key revenue streams typically include: (1) loan facilitation-related fees charged for mat...
Jiayin Group Earnings Call Summary
Earnings Call Date:Aug 28, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 25, 2026
Earnings Call Sentiment Negative
The call highlighted meaningful operational progress: a much stronger cash position, international growth (notably Indonesia and Mexico), material technology and AI advancements, measurable anti‑fraud results, and disciplined cost reductions. However, these positives were overshadowed by severe near‑term financial deterioration — transaction volume down ~74.4% YoY, revenue down ~60.9% YoY, a return to a net loss of RMB 183.6 million, a large YoY increase in facilitation and servicing expense (+92.7%), and the suspension of dividends and guidance. While the company is executing a strategic transformation and building long‑term capabilities, the magnitude of the revenue and profitability declines and ongoing industry uncertainty drive a negative near‑term outlook.Positive Updates
Improved Cash Position
Cash and cash equivalents increased to RMB 504.0 million at quarter-end, up from RMB 43.4 million at the end of the prior quarter, providing a stronger liquidity buffer to navigate the industry cycle.
Negative Updates
Sharp Decline in Transaction Volume
Transaction volume was RMB 9.5 billion in the quarter, a year-over-year decrease of approximately 74.4%, driven by industry-wide contraction and the company's strategic business adjustment.
Read all updates
Q2-2026 Updates
Positive
Negative
Improved Cash Position
Cash and cash equivalents increased to RMB 504.0 million at quarter-end, up from RMB 43.4 million at the end of the prior quarter, providing a stronger liquidity buffer to navigate the industry cycle.
Read all positive updates
Company Guidance
Jiayin announced it will refrain from issuing third‑quarter guidance and has suspended its dividend for the fiscal year, prioritizing business transformation and risk mitigation while preserving capital flexibility — it finished Q2 with RMB 504.0M cash (up from RMB 43.4M QoQ) as a financial buffer; reported transaction volume of RMB 9.5B (‑74.4% YoY), net revenue RMB 636.9M (‑60.9% YoY), non‑GAAP loss from operations RMB 225.7M (vs non‑GAAP income RMB 737.6M a year ago) and net loss RMB 183.6M (vs net income RMB 519.1M); basic/diluted net loss per share RMB 0.89 (per ADS RMB 3.56) vs prior period income per share RMB 2.46 (per ADS RMB 9.84); credit metrics included stable 90+ day delinquency at 2.21% and improving 30‑day collection rates QoQ; expenses and provisions included facilitation & servicing RMB 549.3M (+92.7% YoY), allowance RMB 51.3M (vs RMB 32.5M), sales & marketing RMB 221.8M (‑68.8%), G&A RMB 66.9M (‑39.5%) and R&D RMB 94.2M (‑13.1%); international traction and risk controls cited: Indonesia volume +58% YoY/+10% QoQ, Mexico +36% QoQ, blocked 176,000 malicious applications and intercepted >264,000 high‑risk repeat fraud apps, while AI upgrades cut model iteration from 3–5 days to hours, improved strategy iteration efficiency >10x and key‑scenario accuracy >20%.Jiayin Group Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Mar 2026 | Dec 2024 | Dec 2023 | Dec 2022 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.03B | 865.58M | 5.80B | 5.47B | 3.27B | 1.78B |
| Gross Profit | 2.55B | 673.94M | 3.77B | 3.46B | 2.71B | 1.44B |
| EBITDA | 275.18M | 270.47M | 1.27B | 1.34B | 1.19B | 447.63M |
| Net Income | 230.90M | 213.64M | 1.06B | 1.30B | 1.18B | 472.09M |
Balance Sheet | ||||||
| Total Assets | 8.58B | 8.76B | 5.41B | 5.64B | 3.02B | 971.43M |
| Cash, Cash Equivalents and Short-Term Investments | 503.99M | 61.84M | 540.52M | 370.19M | 291.02M | 182.55M |
| Total Debt | 636.89M | 700.63M | 51.68M | 63.53M | 27.46M | 35.24M |
| Total Liabilities | 4.37B | 4.32B | 2.28B | 3.26B | 1.78B | 945.68M |
| Stockholders Equity | 4.21B | 4.43B | 3.13B | 2.38B | 1.24B | 27.86M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 622.27M | 686.36M | 358.05M | 795.68M | 181.77M |
| Operating Cash Flow | 0.00 | 1.26B | 1.43B | 389.59M | 915.37M | 184.54M |
| Investing Cash Flow | 0.00 | -1.95B | -783.52M | -105.85M | -157.25M | -126.22M |
| Financing Cash Flow | 0.00 | 487.17M | -332.69M | -193.48M | -86.10M | 9.94M |
Jiayin Group Technical Analysis
Negative
2.31
Price Trends
2.59
Negative
3.50
Negative
5.01
Negative
Market Momentum
-0.11
Negative
35.30
Neutral
17.88
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JFIN, the sentiment is Negative. The current price of 2.31 is below the 20-day moving average (MA) of 2.36, below the 50-day MA of 2.59, and below the 200-day MA of 5.01, indicating a bearish trend. The MACD of -0.11 indicates Negative momentum. The RSI at 35.30 is Neutral, neither overbought nor oversold. The STOCH value of 17.88 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $216.54M | 0.44 | 7.19% | 11.69% | -23.31% | -63.32% | |
70 Outperform | $198.55M | 0.93 | 12.18% | 25.81% | -3.40% | 8.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $827.18M | 2.95 | 4.56% | 6.44% | -1.89% | -26.81% | |
62 Neutral | $1.15B | 1.24 | 15.27% | 11.36% | -7.92% | -41.54% | |
54 Neutral | $109.89M | 0.78 | 21.99% | 31.60% | -35.90% | -85.27% | |
54 Neutral | $91.71M | -0.30 | -7.18% | 37.29% | -13.83% | -154.13% |
* Financial Sector Average
JFIN
Jiayin Group
2.10
-10.24
-82.98%
YRD
Yiren Digital
1.05
-4.58
-81.33%
FINV
FinVolution Group
3.40
-4.39
-56.35%
LX
Lexinfintech Holdings
1.18
-4.73
-80.03%
XYF
X Financial
5.54
-8.54
-60.66%
QFIN
Qifu Technology
8.80
-17.98
-67.14%
Jiayin Group Corporate Events
Jiayin Group Swings to Q2 Loss, Extends Buyback and Halts 2026 Dividend Amid Strategic Shift
Aug 28, 2026
Jiayin Group reported on August 28, 2026 that its second-quarter 2026 results showed a sharp contraction, with transaction volume in mainland China plunging 74.4% year-on-year to RMB9.5 billion and net revenue falling 60.9% to RMB736.9 million. Th...
Jiayin Group Announces Board and Chief Risk Officer Resignations
Jul 23, 2026
Jiayin Group reported that on July 20, 2026, board member Xiaojing Lu resigned from the company’s board of directors, simultaneously stepping down from the compensation committee and the nominating and corporate governance committee, with th...
Jiayin Group Appoints Fintech Veteran Xiaojing Lu to Board as Director
Jul 2, 2026
On July 1, 2026, Jiayin Group Inc. implemented a board reshuffle, appointing Xiaojing Lu as a director as well as a member of its compensation and nominating and corporate governance committees. On the same date, director Yifang Xu stepped down fr...
Jiayin Group Swings to First-Quarter Loss as Loan Volumes Slide, Extends Share Buyback Plan
Jun 23, 2026
On June 23, 2026, Jiayin Group reported unaudited results for the first quarter ended March 31, 2026, showing that transaction volume in mainland China fell 45.8% year on year to RMB19.3 billion and net revenue dropped 57.4% to RMB756.7 million. T...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.