Reading the tape
NASDAQ: JFIN
Jiayin Group Inc.
Communication Services · Internet Content & Information
Market Cap
$246.32M
52w High
$19.23
52w Low
$3.70
P/E
1.10
Volume
19.01K
Outstanding Shares
51.53M
Price vs Fundamentals
Why The Stock Is Moving
Likely multiple compressionModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: -55.7%Revenue (TTM): 7%P/E: 0th pct
What changed
The stock fell 55.7% over the last year. Revenue grew 7% over the trailing twelve months. Operating margin moved from 21.51% to 28.93%.
What the market seems to be pricing
Visible fundamentals weakened far less than the stock price, and the shares now sit around the 0th percentile of their historical P/E range. That looks more like a rerating of the multiple than a collapse in the business.
What would invalidate this read
This read changes if operating margin (currently 28.93%) continues to decline, or if revenue growth turns negative. The bull case requires the business to hold its current trajectory.
Company profile
Jiayin Group Inc. provides online consumer finance services in the People's Republic of China.
CEODinggui Yan
SectorCommunication Services
IndustryInternet Content & Information
Employees1,028
IPO dateMay 10, 2019
Valuation
Forward P/E—
EV/EBITDA4.32
Enterprise value$1.17B
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Revenue growth-23.45%
Gross margin80.16%▲19.89%vs FY2024
Operating margin28.93%▲34.27%vs FY2024
ROE4.82%▼85.73%vs FY2024
Analyst consensus
RatingBuy
Target price—
1
Buy
0
Hold
0
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
Jun 4, 2026
Q2 FY26 · EPS est $0.17 · Revenue est $53.4M
View
Dividends
$1.30/shareSemi-annualSafeJFIN pays a dividend with a 27.09% dividend yield, covered 5.8× by free cash flow.
Dividend Yield
27.09%
Annual Div / Share
$1.30
TTM $5.46
CAGR
—
Payout Ratio
50.63%
Safe
Dividend Growth Rate
Dividend Safety
9/10Safe
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2025$1.29+70.4%
2024$0.76—
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$271/yr
$23/mo
In 5 yrs
$271/yr
$23/mo
In 10 yrs
$271/yr
$23/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$271/yr $23/mo | $271/yr $23/mo | $271/yr $23/mo |
Analysis
Dividend Strengths
Well-covered by free cash flow
The dividend is covered 5.8× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Risks to Watch
No strong risk signal stands out from the latest period pair.