Jiayin Group Inc (JFIN) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Jiayin Group Inc $3.14, price $1.55, upside +102.6%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $1.27 – $18.06 · fair‑value band $3.14 – $3.60 · the $1.55 price screens below the $3.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions.
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Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers loan products with fixed terms and repayment schedules; guarantee services; referral services for investment products offered by third-party financial service providers; technology development services; and commercial services. The company was founded in 2011 and is headquartered in Shanghai, China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.
Stock analysis
Jiayin Group Inc (JFIN) currently trades at $1.55, while our model-based Fair Value estimate is $3.14, implying the stock looks roughly 50.6% undervalued today.
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Valuation
How firm this estimate is: it rests on 22 models at a data quality of 95/100, which puts the evidence level at high.
Scenario range: $3.14 (bear) to $3.60 (bull), the price of $1.55 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Jiayin Group Inc reported revenue of 866M CNY in FY2025 versus 1.8B CNY in FY2021, a compound −16.5%/yr. Reported net income was 214M CNY in FY2025, compounding −18.0%/yr from FY2021.
Key figures
Market cap $210M · P/E ratio 0.9 · P/S ratio 0.23 · EPS (TTM) $4.30 · Net margin 24.7% · Return on equity 40.6% · Return on assets (EBIT) 26.6% · Operating margin 8.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 86% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 103%, JFIN screens cheaper than that median.
Fair Value models
Bear $3.14Fair Value $3.14Bull $3.60
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−85.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−35.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−7.8%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.3%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−13.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−13.8%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 29%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 331 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside+103% · Top 25%
Profitability
Return on equity (TTM)41% · Top 25%
Return on assets16% · Top 25%
Net margin (TTM)25% · Above median
Operating margin (TTM)9% · Bottom 25%
Growth and dividend
Revenue growth−22% · Bottom 25%
Dividend yield (TTM)19.7% · Top 25%
Balance sheet
Debt / equity0.12× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Jiayin Group Inc Fair Value". https://www.fairvalue-calculator.com/stock/JFIN
Frequently asked questions
Is Jiayin Group Inc (JFIN) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $3.14 versus a price of $1.55, about +103% upside (undervalued).
What is the fair value of JFIN?
Our model-based fair value for Jiayin Group Inc is $3.14 (as of Sep 23, 2026), built from audited fundamentals. The current price: $1.55.
What is the quality score of JFIN?
Jiayin Group Inc has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Jiayin Group Inc (JFIN)?
Our model-based price target is the fair value of $3.14 (as of Sep 23, 2026) from 8 valuation models. Cautious scenario $3.14, optimistic scenario $3.60. It is a calculation from audited fundamentals, not an analyst target.
What is the Jiayin Group Inc stock forecast for 2026?
Our models put fair value at $3.14, about +103% upside versus a price of $1.55 (undervalued). Cautious scenario $3.14, optimistic scenario $3.60. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Jiayin Group Inc (JFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jiayin Group Inc it is $3.14 per share (as of Sep 23, 2026), against a price of $1.55. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Jiayin Group Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, JFIN trades below its calculated fair value: price $1.55, fair value $3.14, a gap of about +103% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of JFIN?
No. The price is what the market pays today ($1.55); the fair value is what the company's own numbers justify ($3.14). For Jiayin Group Inc the two are $1.59 per share apart. That gap is exactly why we show both numbers side by side.
How much is Jiayin Group Inc worth?
The market values Jiayin Group Inc at about $210M (market capitalisation, as of Sep 23, 2026). Per share that is $1.55; our models calculate a fair value of $3.14 per share.
What do the bullish and bearish scenarios say about JFIN?
Our models span a range for Jiayin Group Inc: cautious scenario $3.14, base $3.14, optimistic $3.60 per share (as of Sep 23, 2026, price $1.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of JFIN?
Jiayin Group Inc trades at a price-to-earnings ratio of 0.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.14 is built from several models across several years. Other multiples: P/B 0.3, P/S 0.2, EV/EBITDA 1.0.
How solid is the balance sheet of Jiayin Group Inc (JFIN)?
Balance-sheet figures for Jiayin Group Inc (as of Sep 23, 2026): return on equity 40.6%, debt of 0.12 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is JFIN from its 52-week high?
Jiayin Group Inc trades at $1.55, about 86% below its 52-week high of $11.39 and 8% above the low of $1.44 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $3.14 is for.
Which stocks are comparable to Jiayin Group Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Jiayin Group Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $1.55, calculated fair value $3.14 (+103%), Quality Score 51/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of JFIN calculated?
We run Jiayin Group Inc through 8 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.14, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Jiayin Group Inc currently trades 103 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Jiayin Group Inc (JFIN)?
The closing price on Sep 23, 2026 was $1.55. Our model-based fair value is $3.14, about +103% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jiayin Group Inc right now?
The price is below even our cautious bear case ($3.14). The market is more pessimistic than our downside scenario. Solid quality (51/100) at a price below fair value, the discount is the argument here, not the business quality. The models converge in a tight band ($3.14 to $3.60), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Jiayin Group Inc
How large is the market capitalisation of Jiayin Group Inc (JFIN)?
The market capitalisation of Jiayin Group Inc is $210M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Jiayin Group Inc (JFIN)?
The price-to-sales ratio of Jiayin Group Inc is 0.23 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Jiayin Group Inc (JFIN)?
Earnings per share at Jiayin Group Inc are $4.30 (price ÷ EPS = P/E 0.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Jiayin Group Inc (JFIN)?
The net margin of Jiayin Group Inc is 24.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Jiayin Group Inc (JFIN)?
The return on equity (ROE) of Jiayin Group Inc is 40.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Jiayin Group Inc (JFIN)?
On an EBIT basis the return on assets of Jiayin Group Inc is 26.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Jiayin Group Inc (JFIN)?
The operating margin of Jiayin Group Inc is 8.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jiayin Group Inc (JFIN)?
Revenue at Jiayin Group Inc is growing −22.4% versus a year earlier (3y avg −35.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Jiayin Group Inc (JFIN)?
Earnings per share at Jiayin Group Inc are growing −62.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Jiayin Group Inc (JFIN) generate?
The free cash flow of Jiayin Group Inc is 622M CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Jiayin Group Inc (JFIN) carry?
The net debt of Jiayin Group Inc is 639M CNY (fiscal year 2025, ≈ 1.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Sep 23, 2026