Jiayin Group (JFIN) Fundamental Analysis: Revenue, Earnings & Valuation

0.38 / 10

Underperform

Fundamental rating is Underperform with a 0.4/10 quality score. Revenue growth (16.7% YoY) and net profit margin (28%) are bright spots, but asset‑to‑market and cash‑to‑market values are low and liability ratios are high, indicating weak financial health.

Analysis Checks(3/10)

Gross profit margin (%)

Value100.00

Score1/3

Weight0.29%

1M Return-0.02%

Current liabilities / Total liabilities (%)

Value82.60

Score1/3

Weight6.71%

1M Return-0.59%

Non-current liabilities / Total liabilities (%)

Value17.40

Score0/3

Weight13.60%

1M Return-1.21%

Net profit margin (%)

Value27.96

Score2/3

Weight-52.44%

1M Return3.71%

Total profit / EBIT (%)

Value100.45

Score1/3

Weight71.76%

1M Return-7.02%

Cash-UP

Value-0.01

Score1/3

Weight82.20%

1M Return-8.26%

Operating revenue (YoY growth rate %)

Value16.73

Score2/3

Weight-116.76%

1M Return8.56%

EBIT / Total operating revenue (%)

Value34.38

Score2/3

Weight-30.84%

1M Return2.12%

Asset-MV

Value-0.49

Score0/3

Weight65.23%

1M Return-7.08%

Cash-MV

Value-0.09

Score0/3

Weight60.25%

1M Return-5.83%

Is JFIN fundamentally strong?

JFIN scores 0.38/10 on fundamentals and holds a Premium valuation at present. Backed by its 40.63% ROE, 24.68% net margin, 1.02 P/E ratio, 0.35 P/B ratio, and 54.36% earnings growth, these metrics solidify its Underperform investment rating.