NASDAQ · JFIN

Jiayin Group Inc.

Financial Services · Financial - Credit Services

$1.49▼ 0.15% ($0.00)at close

After hours$1.54▲ 3.36%7:30 PM ET

52-week

$1.42$11.64

Market cap

$77.43M

P/E

2.26

EPS (TTM)

$0.66

Next earnings

Nov 25, 2026

What the market price implies · Reverse DCF

Historical revenue grew by -16.5%/yr over the past 4 years.

Selected forecast · Base scenario

0.8%/yr · actual 10-year annualized revenue growth

Year 1 growth: 0%

Market-implied · Base operating assumptions + edited margins

Unavailable · flat 10-year annualized revenue growth

Reverse DCF solves revenue growth itself using Base operating assumptions and your edited margins. Changing forecast growth alone does not change the implied rate. This is a model-implied requirement, not an analyst forecast.

No supported revenue growth rate matches this price with these operating assumptions.

Valuation

Recommended · Revenue & margin DCF

Price used

$1.49

Estimated value / share

Unavailable

Base scenario

USD · TTM ending 2026-06-30

Every projected year produces negative free cash flow, so the model returns a negative enterprise value. A discounted-cash-flow valuation cannot be defended on those inputs, so it is not shown.

Latest quarterly growth differs materially from the latest annual pace. It remains an observed growth input; review whether acceleration or a change in the business explains it.

Year 1 growth 0% · Ending margin 5.8% · Discount rate 6.49%

Assumption scenarios, not statistical confidence intervals.

Method, dates & sources

Estimated from future revenue, operating margins, and the investment needed to support them.

Price timestamp: Sep 17, 2026, 8:00 PM UTC
Financial statement period: TTM ending 2026-06-30
Data refreshed: Sep 18, 2026, 1:19 AM UTC · provider

Why this method?

There is not a stable run of positive FCFF to anchor a direct cash-flow CAGR, so the model should start from revenue and margin assumptions instead.

Is FCFF positive and has it been for 3+ consecutive years? Latest FCFF is not positive.

Price vs Fundamentals

Why The Stock Is Moving

Likely fundamental deteriorationHigh confidence

1Y Price: -86.85%Revenue (TTM): -38.04%P/E: 18th pct

What changed

The stock fell 86.85% over the last year. Revenue declined 38.04% over the trailing twelve months. Operating margin moved from 29.95% to 5.8%.

What the market seems to be pricing

The market is reacting to weaker business momentum more than just compressing the valuation multiple. Even if the shares already screen cheap on P/E, investors are still discounting lower future earnings power.

What would invalidate this read

Operating margin stands at 5.8%. Revenue declined 38.04% — this read reverses if that trend stabilizes. If margins and cash flow stabilize while the stock stays depressed, the gap shifts from fundamental damage toward pure multiple compression.

Performance

Return analysis

Company profile

Jiayin Group Inc. is a Chinese financial technology company specializing in online consumer lending within the People's Republic of China.

CEODinggui Yan

SectorFinancial Services

IndustryFinancial - Credit Services

Employees1,155

IPO dateMay 10, 2019

https://www.jiayintech.cn

Market multiples

Forward P/E—

EV/EBITDA10.07

Enterprise value$2.72B

Stock splits

No stock splits recorded for this ticker.

Profitability & growth

Revenue growth-60.93%

Gross margin (FY2025)77.86%▲12.9ppvs FY2024

Operating margin (FY2025)28.89%▲7.4ppvs FY2024

ROE5.7%0.0ppvs FY2025

Analyst consensus

RatingBuy

Target price—

Buy

Hold

Sell

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.

Next report

Nov 25, 2026

Q4 FY26 · EPS est $0.17 · Revenue est $53.39M

View

NASDAQ · JFIN

Jiayin Group Inc.

Financial Services · Financial - Credit Services

$1.49▼ 0.15% ($0.00)at close

After hours$1.54▲ 3.36%7:30 PM ET

52-week

$1.42$11.64

Market cap

$77.43M

P/E

2.26

EPS (TTM)

$0.66

Next earnings

Nov 25, 2026

What the market price implies · Reverse DCF

Historical revenue grew by -16.5%/yr over the past 4 years.

Selected forecast · Base scenario

0.8%/yr · actual 10-year annualized revenue growth

Year 1 growth: 0%

Market-implied · Base operating assumptions + edited margins

Unavailable · flat 10-year annualized revenue growth

No supported revenue growth rate matches this price with these operating assumptions.

Valuation

Recommended · Revenue & margin DCF

Price used

$1.49

Estimated value / share

Unavailable

Base scenario

USD · TTM ending 2026-06-30

Every projected year produces negative free cash flow, so the model returns a negative enterprise value. A discounted-cash-flow valuation cannot be defended on those inputs, so it is not shown.

Latest quarterly growth differs materially from the latest annual pace. It remains an observed growth input; review whether acceleration or a change in the business explains it.

Year 1 growth 0% · Ending margin 5.8% · Discount rate 6.49%

Assumption scenarios, not statistical confidence intervals.

Method, dates & sources

Estimated from future revenue, operating margins, and the investment needed to support them.

Price timestamp: Sep 17, 2026, 8:00 PM UTC
Financial statement period: TTM ending 2026-06-30
Data refreshed: Sep 18, 2026, 1:19 AM UTC · provider

Why this method?

There is not a stable run of positive FCFF to anchor a direct cash-flow CAGR, so the model should start from revenue and margin assumptions instead.

Is FCFF positive and has it been for 3+ consecutive years? Latest FCFF is not positive.

Price vs Fundamentals

Why The Stock Is Moving

Likely fundamental deteriorationHigh confidence

1Y Price: -86.85%Revenue (TTM): -38.04%P/E: 18th pct

What changed

The stock fell 86.85% over the last year. Revenue declined 38.04% over the trailing twelve months. Operating margin moved from 29.95% to 5.8%.

What the market seems to be pricing

What would invalidate this read

Performance

Return analysis

Company profile

Jiayin Group Inc. is a Chinese financial technology company specializing in online consumer lending within the People's Republic of China.

CEODinggui Yan

SectorFinancial Services

IndustryFinancial - Credit Services

Employees1,155

IPO dateMay 10, 2019

https://www.jiayintech.cn

Market multiples

Forward P/E—

EV/EBITDA10.07

Enterprise value$2.72B

Stock splits

No stock splits recorded for this ticker.

Profitability & growth

Revenue growth-60.93%

Gross margin (FY2025)77.86%▲12.9ppvs FY2024

Operating margin (FY2025)28.89%▲7.4ppvs FY2024

ROE5.7%0.0ppvs FY2025

Analyst consensus

RatingBuy

Target price—

Buy

Hold

Sell

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.

Next report

Nov 25, 2026

Q4 FY26 · EPS est $0.17 · Revenue est $53.39M

View