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Jiayin Group Inc (JFIN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Jiayin Group Inc stock $2.86, price $1.43, upside +100.0%, quality 43 out of 100. Rating: strongly undervalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · Based in China

JG Jiayin Group Inc logo Broad data Nov 9, 2026

Jiayin Group Inc

JFIN · US
Cheap, value-trap risk

The stock costs 50% less than our calculation considers fair.

Fair value $2.86 · Strongly undervalued
Low debt
Generates free cash flow
19.7% dividend yield · Well covered
Broad data
Costs just 2 times its yearly profit.
Quality 43/100
Thin margins · 5.7% net margin (TTM)
Mixed vs. peers (8/14)
Weak Growth (revenue 5y −7.8 %/yr in CNY)
Narrow moat 27/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$18.06 $1.21 Fair Value $2.86 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $1.21 – $18.06 · fair‑value band $2.81 – $3.18 · the $1.43 price screens below the $2.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

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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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 $1.43, while our model-based Fair Value estimate is $2.86, implying the stock looks roughly 50% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of $18.65 per share, and 10 of the 10 models we run sit above the $1.43 price.

Bear case: the Dividend Discount group reads lowest at $2.44, and 0 of the 10 models stay below the price. Data coverage for this calculation is high.

Scenario range: $2.81 (bear) to $3.18 (bull), the price of $1.43 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 43/100 (below-average 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 $74.9M Micro · P/E ratio 2.0 · P/S ratio 0.49 · EPS (TTM) $0.6600 · Net margin 24.7% · Return on equity 5.7% · Return on assets (EBIT) 26.6% (5-year average) · Operating margin −33.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).

What moves the price

The share trades about 85% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 100%, JFIN screens cheaper than that median.

Fair Value models

Bear $2.81 Fair Value $2.86 Bull $3.18
Price $1.43 · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.1876 per share) are deliberately not added. 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
Growth DCF $14.77 $18.65 $24.47 79
Residual Income $8.93 $8.93 $9.17 75
5Y P/E Exit $8.77 $11.23 $14.22 71
All 10 models by family
DCF Models
5Y P/E Exit $8.77 $11.23 $14.22 71
10Y P/E Exit $11.35 $13.13 $14.70 64
Earnings-Based
Graham-Dodd $4.15 $5.15 $5.82 65
Dividend Discount
Gordon GGM $2.18 $2.34 $2.56 67
DDM Multi-Stage $2.18 $2.54 $2.99 65
Multiples
P/E Multiple $5.96 $7.94 $9.93 61
P/B Multiple $7.50 $10.00 $12.50 53
Asset-Based
NCAV (Graham) $4.91 $7.43 $9.29 53
Growth DCF
Growth DCF $14.77 $18.65 $24.47 79
Economic Profit
Residual Income $8.93 $8.93 $9.17 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 43/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 35
How much profit the company makes from its sales and capital
Quality Growth 40
Are margins and returns getting better?
Cashflow 81
Do the profits arrive as real cash?
Financial strength 45
Debt, balance sheet and risk of trouble
Investment 0
Does it invest with discipline instead of growing at any price?
Low Volatility 36
How calm the share price moves, does not count
Price momentum 0
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 76
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

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%
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%

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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 · 283 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 43 · Bottom 25%
Fair Value upside +100.0% · Top 25%
Profitability
Return on equity (12 months) 5.7% · Below median
Return on assets 2.4% · Below median
Net margin (12 months) 5.7% · Bottom 25%
Operating margin (12 months) −33.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −60.9% · Bottom 25%
Dividend yield (12 months) 19.7% · Top 25%
Balance sheet
Debt / equity 0.12× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 2.0× · Cheapest 25%
P/B 0.11× · Cheapest 25%
P/S (12 months) 0.12× · Cheapest 25%
Price / free cash flow (fiscal year) 0.8× · Cheapest 25%
EV/EBITDA 2.9× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 59
FUTURE (revenue growth)0 · sector 57
PAST (return on equity)23 · sector 39
HEALTH (low debt)94 · sector 54
DIVIDEND (yield)100 · sector 64

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $73.74 $141.92 +92% vs JFIN
PayPal Holdings PYPL $59.24 $107.45 +81% vs JFIN
Shriram Finance Limited SHRIRAMFIN ₹961.15 ₹1,309 +36% vs JFIN
Affirm Holdings AFRM $68.11 $74.92 +10% vs JFIN
Bajaj Finance Limited BAJFINANCE ₹1,088 ₹1,055 −3% vs JFIN
American Express Company AXP $320.99 $210.02 −35% vs JFIN
Visa Inc V $422.65 $242.87 −43% vs JFIN
Mastercard Incorporated MA $652.70 $360.13 −45% vs JFIN
Capital One Financial Corporation COF $201.87 $106.81 −47% vs JFIN
SoFi Technologies, Inc SOFI $16.21 $5.51 −66% vs JFIN

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Jiayin Group Inc: fair value per Fair Value Calculator

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 Nov 9, 2026, our model estimates a fair value of $2.86 versus a price of $1.43, about +100% upside (undervalued).
What is the fair value of JFIN?
Our model-based fair value for Jiayin Group Inc is $2.86 (as of Nov 9, 2026), built from audited fundamentals. The current price: $1.43.
What is the quality score of JFIN?
Jiayin Group Inc has a Quality Score of 43/100. 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 $2.86 (as of Nov 9, 2026) from 10 valuation models. Cautious scenario $2.81, optimistic scenario $3.18. 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 $2.86, about +100% upside versus a price of $1.43 (undervalued). Cautious scenario $2.81, optimistic scenario $3.18. 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 $2.86 per share (as of Nov 9, 2026), against a price of $1.43. It is the blended result of 10 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Jiayin Group Inc stock overvalued or undervalued in 2026?
As of Nov 9, 2026, JFIN trades below its calculated fair value: price $1.43, fair value $2.86, a gap of about +100% (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 ($1.43); the fair value is what the company's own numbers justify ($2.86). For Jiayin Group Inc the two are $1.43 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 $74.9M (market capitalisation, as of Nov 9, 2026). Per share that is $1.43; our models calculate a fair value of $2.86 per share.
What do the bullish and bearish scenarios say about JFIN?
Our models span a range for Jiayin Group Inc: cautious scenario $2.81, base $2.86, optimistic $3.18 per share (as of Nov 9, 2026, price $1.43). 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 2.0 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $2.86 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 2.3. Other multiples: P/B 0.1, P/S 0.1, EV/EBITDA 2.9.
How solid is the balance sheet of Jiayin Group Inc (JFIN)?
Balance-sheet figures for Jiayin Group Inc (as of Nov 9, 2026): return on equity 5.7%, debt of 0.12 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is JFIN from its 52-week high?
Jiayin Group Inc trades at $1.43, about 85% below its 52-week high of $9.36 and 18% above the low of $1.21 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $2.86 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 Nov 9, 2026: price $1.43, calculated fair value $2.86 (+100%), Quality Score 43/100, from 10 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 10 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $2.86 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Jiayin Group Inc currently trades 50% 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 Nov 6, 2026 was $1.43. Our model-based fair value is $2.86, about +100% 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 large discount to fair value meets weak quality (43/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($2.81). The market is more pessimistic than our downside scenario. The models converge in a tight band ($2.81 to $3.18), 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 $74.9M. 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 0.49 (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 $0.6600 (price ÷ EPS = P/E 2.0). 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 5.7% (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 −33.5% (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 −60.9% 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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