Jiayin Group (JFIN) Stock Price, News & Analysis

Company Overview

Jiayin Group Co., Ltd. is a financial technology holding company that operates a consumer finance marketplace and credit risk management platform in China. Founded in 2014 and headquartered in Shanghai, the company leverages proprietary big data analytics and artificial intelligence to underwrite small consumer loans and offer credit assessment solutions to individuals and institutional lenders. Through its online platform and mobile application, Jiayin Group connects borrowers with tailored loan products while supporting partner organizations with comprehensive risk management services.

The company’s core business activities are divided between a consumer lending marketplace and a risk management segment. The lending marketplace enables approved individual borrowers to access unsecured personal installment loans and revolving credit lines, typically ranging from short-term consumer finance to longer-term credit arrangements. On the risk management side, Jiayin Group provides customizable credit scoring models, fraud detection tools and portfolio monitoring systems to banks, peer-to-peer lending platforms and financial institutions seeking to enhance their underwriting efficiency and control credit quality.

Jiayin Group serves clients across mainland China, working in partnership with e-commerce merchants, retail chains and online marketplaces to integrate point-of-sale financing and installment payment options. The company’s technology infrastructure supports rapid loan origination and automated decision-making, enabling quick credit approval and disbursement. This digital approach has allowed Jiayin Group to reach underserved consumer segments in both urban and rural regions, helping to expand access to credit beyond traditional banking channels.

In March 2018, Jiayin Group completed its initial public offering on the Nasdaq Stock Market, further fueling its investment in technology and geographic expansion. The company is overseen by a management team with deep experience in financial services, technology development and regulatory compliance. Under their leadership, Jiayin Group continues to enhance its credit risk models, broaden its suite of financial products and explore strategic partnerships to support sustainable growth in China’s evolving consumer finance landscape.

Key Stats

• Today's Range: $18.05 to $18.66
• 50-Day Range: $11.25 to $18.91
• 52-Week Range: $4.00 to $19.23
• Volume: 134,113 shs
• Average Volume: 132,904 shs
• Market Capitalization: $979.34 million
• P/E Ratio: 5.33
• Dividend Yield: 2.72%
• Price Target: N/A
• Consensus Rating: N/A

Jiayin Group Stock Analysis - MarketRank™

Jiayin Group scored higher than 59% of companies evaluated by MarketBeat, and ranked 341st out of 657 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Jiayin Group.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Jiayin Group is 5.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.80.

Price to Earnings Ratio vs. Sector

The P/E ratio of Jiayin Group is 5.33, which means that it is trading at a less expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 37.24.

Price to Book Value per Share Ratio

Jiayin Group has a P/B Ratio of 2.29. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

0.43% 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 0.6, 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 32.46%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Jiayin Group pays a meaningful dividend of 2.70%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of Jiayin Group is 14.53%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.43% 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 0.6, 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 32.46%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.8 / 5
• News Sentiment: 0.85

News Sentiment

Jiayin Group has a news sentiment score of 0.85. 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 higher news sentiment than the 0.66 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Jiayin Group this week, compared to 1 article on an average week.

Search Interest

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

MarketBeat Follows

2 people have added Jiayin Group to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 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.

JFIN Stock Analysis - Frequently Asked Questions

How have JFIN shares performed this year?

Jiayin Group's stock was trading at $6.37 at the start of the year. Since then, JFIN stock has increased by 188.1% and is now trading at $18.35.

How were Jiayin Group's earnings last quarter?

Jiayin Group Inc. Sponsored ADR (NASDAQ:JFIN) released its quarterly earnings data on Wednesday, June, 4th. The company reported $1.40 earnings per share for the quarter. The business earned $244.68 million during the quarter. Jiayin Group had a trailing twelve-month return on equity of 42.68% and a net margin of 21.66%.
Read the conference call transcript.

When did Jiayin Group IPO?

Jiayin Group (JFIN) raised $40 million in an IPO on Friday, May 10th 2019. The company issued 3,500,000 shares at a price of $10.50-$12.50 per share. Roth Capital Partners and Shenwan Hongyuan Securities acted as the underwriters for the IPO.

How do I buy shares of Jiayin Group?

Shares of JFIN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Jiayin Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Jiayin Group investors own include NVIDIA (NVDA), Super Micro Computer (SMCI), Builders FirstSource (BLDR), Carrols Restaurant Group (TAST), UFP Technologies (UFPT), EMCOR Group (EME) and Axcelis Technologies (ACLS).

Company Calendar

• Last Earnings: 6/04/2025
• Today: 7/11/2025
• Record date for 7/24 Dividend: 7/14/2025
• Ex-Dividend for 7/24 Dividend: 7/14/2025
• Dividend Payable: 7/24/2025
• Next Earnings (Estimated): 8/26/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Computer and Technology
• Industry: INTERNET SOFTWARE
• Sub-Industry: Banking
• Current Symbol: NASDAQ:JFIN
• CIK: 1743102
• Web: www.jiayinfintech.cn
• Phone: 862161906826
• Fax: N/A
• Employees: 1,028
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $3.44
• Trailing P/E Ratio: 5.33
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $144.74 million
• Net Margins: 21.66%
• Pretax Margin: 26.55%
• Return on Equity: 42.68%
• Return on Assets: 23.41%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $794.74 million
• Price / Sales: 1.23
• Cash Flow: $2.76 per share
• Price / Cash Flow: 6.65
• Book Value: $8.03 per share
• Price / Book: 2.29

Miscellaneous

• Outstanding Shares: 53,370,000
• Free Float: 26,045,000
• Market Cap: $979.34 million
• Optionable: Optionable
• Beta: 0.97