Jiayin Group's 15min Chart Shows KDJ Death Cross, Bearish Marubozu Signal

Based on Jiayin Group's 15-minute chart, a technical analysis has been conducted that reveals a bearish trend. The KDJ Death Cross, which occurred on September 10, 2025 at 10:30, indicates a shift in momentum towards a downward trend, suggesting a potential further decline in the stock price. The bearish Marubozu pattern reinforces this interpretation, as it signifies that sellers are currently dominating the market and that the bearish momentum is likely to persist.

Jiayin Group (NASDAQ: JFIN), a leading fintech company from China, reported its Q2 FY2025 results in late August, showcasing impressive earnings growth. However, the stock has been on a downward trajectory, losing approximately a third of its value in recent months. The latest technical analysis of JFIN's 15-minute chart indicates a bearish trend, suggesting a potential further decline in the stock price.

On September 10, 2025, at 10:30, a KDJ Death Cross occurred, signaling a shift in momentum towards a downward trend. This pattern, often associated with a potential reversal in the stock's price, has been a reliable indicator of bearish trends in the past. Additionally, the presence of a bearish Marubozu pattern reinforces this interpretation, indicating that sellers are currently dominating the market and that the bearish momentum is likely to persist [^NUMBER: 1].

The Q2 FY2025 report highlighted significant improvements in revenue and earnings. Revenue increased by 27.8% YoY to RMB1,886.2M, or $263.3M, while net income surged by 117.8% YoY to RMB519.1M, or $72.5M, translating to net income of $1.36 per ADS. However, the stock price did not react favorably to these results, likely due to concerns about the sustainability of this rapid growth and the potential impact of regulatory changes in China on JFIN's ability to secure external funding for loan facilitation [^NUMBER: 1].

JFIN's Q3 FY2025 guidance indicates a decrease in loan facilitation volume, which could significantly impact its earnings growth. The company expects loan facilitation volume to decrease by $4.1B QoQ at the midpoint, leading to non-GAAP income from operations of RMB490-560M, substantially less than the RMB737.6M reported in Q2 FY2025. This guidance suggests that earnings are likely to decline QoQ to about $0.97 per ADS in Q3 FY2025 [^NUMBER: 1].

The combination of a bearish technical trend and the potential slowdown in earnings growth due to regulatory changes and decreased loan facilitation volume suggests that investors should approach JFIN with caution. While the stock's low P/E ratio of 3.0x and a potential dividend yield of about 10% may be appealing, the uncertainty surrounding the company's ability to sustain its recent growth rate and access external funding makes JFIN an intriguing but risky investment.

Investors should closely monitor JFIN's earnings reports and regulatory environment in China to assess the potential impact on the company's financial performance. The bearish trend indicated by the technical analysis suggests that the stock could continue to decline in the short term, but the long-term potential for growth and dividend income remains a significant factor for investors to consider.