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Jiayin Group (JFIN) Fair Value & Analysis

Financial Services · US · Market cap $210M

Price$3.01
Fair Value$5.87
Upside+95.0%
Quality95/100
Evidence: High Range $4.40 – $7.34

Fair value as of: Jun 26, 2026

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Analysis

Jiayin Group (JFIN) currently trades at $3.01, while our model-based Fair Value estimate is $5.87 — implying the stock looks roughly 95.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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.

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Frequently asked questions

Is Jiayin Group (JFIN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $5.87 versus a price of $3.01 — about +95% (undervalued). Model-based estimate, not financial advice.
What is the fair value of JFIN?
Our 21-model fair value for Jiayin Group is $5.87 (as of Jun 26, 2026), built from audited fundamentals. The current price is $3.01.
What is the quality score of JFIN?
Jiayin Group has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.