Jiayin Group (JFIN) Stock Price, News & Analysis

Company Overview

Jiayin Group Inc. (NASDAQ: JFIN) is a China-based financial technology company that operates an online consumer finance platform. The company uses digital technologies, data analysis and risk-management tools to facilitate access to personal loans for individual borrowers, particularly customers who may be underserved by traditional financial institutions.

Jiayin’s platform connects borrowers with funding sources, including institutional investors and other financing partners. Its services generally include borrower acquisition, credit assessment, loan matching and facilitation, as well as post-loan servicing and collection support. The company earns revenue primarily from services associated with facilitating and managing consumer credit transactions.

Founded in 2011 and headquartered in Shanghai, Jiayin primarily serves consumers in China. The company has emphasized the use of technology and data-driven processes to improve credit evaluation, manage lending risks and streamline the borrowing experience. Jiayin Group began trading on the Nasdaq in 2019.

Key Stats

• Today's Range: $1.34 to $1.35
• 50-Day Range: $1.21 to $1.81
• 52-Week Range: $1.13 to $9.37
• Volume: 1,551 shs
• Average Volume: 119,387 shs
• Market Capitalization: $70.91 million
• P/E Ratio: 2.10
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Sell

Jiayin Group Stock Analysis - MarketRank™

Jiayin Group scored higher than 26% of companies evaluated by MarketBeat, and ranked 750th out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 0.7 / 5
• Analyst Rating: Sell

Consensus Rating

Jiayin Group has received a consensus rating of Sell. The company's average rating score is 1.00, and is based on no strong buy ratings, no buy ratings, no hold ratings, and 1 sell rating.

Amount of Analyst Coverage

Jiayin Group has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Jiayin Group is 2.13, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.72.

Price to Earnings Ratio vs. Sector

The P/E ratio of Jiayin Group is 2.13, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.46.

Price to Book Value per Share Ratio

Jiayin Group has a P/B Ratio of 0.11. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.45% of the float of Jiayin Group has been sold short.

Short Interest Ratio / Days to Cover

Jiayin Group has a short interest ratio ("days to cover") of 0.34, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Jiayin Group has recently increased by 186.78%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Jiayin Group does not currently pay a dividend.

Dividend Growth

Jiayin Group does not have a long track record of dividend growth.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.27

News Sentiment

Jiayin Group has a news sentiment score of 0.27. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Jiayin Group this week, compared to 1 article on an average week.

Search Interest

1 people have searched for JFIN on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.2 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Jiayin Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

51.20% of the stock of Jiayin Group is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

44.08% of the stock of Jiayin Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 8/28/2026
• Today: 11/13/2026
• Next Earnings (Estimated): 11/25/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:JFIN
• CIK: 1743102
• Web: www.jiayintech.cn
• Phone: 862161906826
• Fax: N/A
• Employees: 1,155
• Year Founded: 2011

Profitability

• EPS (Trailing Twelve Months): $0.64
• Trailing P/E Ratio: 2.13
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $219.61 million
• Net Margins: 5.39%
• Pretax Margin: 7.65%
• Return on Equity: 5.02%
• Return on Assets: 2.57%

Debt

• Debt-to-Equity Ratio: 0.11
• Current Ratio: 1.79
• Quick Ratio: 1.79

Sales & Book Value

• Annual Sales: $889.76 million
• Price / Sales: 0.08
• Cash Flow: $4.20 per share
• Price / Cash Flow: 0.32
• Book Value: $12.11 per share
• Price / Book: 0.11

Miscellaneous

• Outstanding Shares: 52,330,000
• Free Float: 25,537,000
• Market Cap: $70.38 million
• Optionable: Optionable
• Beta: 0.89