JFIN
Jiayin Group·NASDAQ
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9.17 / 10
Outperform
Jiayin boasts superior fundamental strength (score 9.17/10), driven by an 88.6% year-over-year profit growth and a 16.7% revenue growth, indicating robust business momentum. However, metrics like Asset-MV and Profit-MV are at negative quartiles, hinting at valuation or quality concerns that warrant monitoring.
Analysis Checks(2/10)
Gross profit margin (%)
Value100.00
Score1/3
Weight7.37%
1M Return0.93%
Value100.00
Score1/3
Weight7.37%
1M Return0.93%
Total profit (YoY growth rate %)
Value88.63
Score3/3
Weight87.26%
1M Return9.32%
Value88.63
Score3/3
Weight87.26%
1M Return9.32%
Total profit / EBIT (%)
Value100.45
Score1/3
Weight-43.83%
1M Return-8.91%
Value100.45
Score1/3
Weight-43.83%
1M Return-8.91%
Total assets turnover ratio
Value0.77
Score0/3
Weight22.80%
1M Return2.56%
Value0.77
Score0/3
Weight22.80%
1M Return2.56%
Asset-MV
Value-0.50
Score0/3
Weight-23.61%
1M Return-3.69%
Value-0.50
Score0/3
Weight-23.61%
1M Return-3.69%
Profit-MV
Value0.46
Score0/3
Weight-17.08%
1M Return-2.31%
Value0.46
Score0/3
Weight-17.08%
1M Return-2.31%
Net profit margin (%)
Value27.96
Score1/3
Weight18.42%
1M Return2.35%
Value27.96
Score1/3
Weight18.42%
1M Return2.35%
Operating revenue (YoY growth rate %)
Value16.73
Score2/3
Weight65.08%
1M Return7.92%
Value16.73
Score2/3
Weight65.08%
1M Return7.92%
EBIT / Total operating revenue (%)
Value34.38
Score1/3
Weight9.25%
1M Return1.22%
Value34.38
Score1/3
Weight9.25%
1M Return1.22%
Cash-MV
Value-0.07
Score0/3
Weight-25.65%
1M Return-3.39%
Value-0.07
Score0/3
Weight-25.65%
1M Return-3.39%
Gross profit margin (%)
Value100.00
Score1/3
Weight7.37%
1M Return0.93%
Value100.00
Score1/3
Weight7.37%
1M Return0.93%
Profit-MV
Value0.46
Score0/3
Weight-17.08%
1M Return-2.31%
Value0.46
Score0/3
Weight-17.08%
1M Return-2.31%
Total profit (YoY growth rate %)
Value88.63
Score3/3
Weight87.26%
1M Return9.32%
Value88.63
Score3/3
Weight87.26%
1M Return9.32%
Net profit margin (%)
Value27.96
Score1/3
Weight18.42%
1M Return2.35%
Value27.96
Score1/3
Weight18.42%
1M Return2.35%
Total profit / EBIT (%)
Value100.45
Score1/3
Weight-43.83%
1M Return-8.91%
Value100.45
Score1/3
Weight-43.83%
1M Return-8.91%
Operating revenue (YoY growth rate %)
Value16.73
Score2/3
Weight65.08%
1M Return7.92%
Value16.73
Score2/3
Weight65.08%
1M Return7.92%
Total assets turnover ratio
Value0.77
Score0/3
Weight22.80%
1M Return2.56%
Value0.77
Score0/3
Weight22.80%
1M Return2.56%
EBIT / Total operating revenue (%)
Value34.38
Score1/3
Weight9.25%
1M Return1.22%
Value34.38
Score1/3
Weight9.25%
1M Return1.22%
Asset-MV
Value-0.50
Score0/3
Weight-23.61%
1M Return-3.69%
Value-0.50
Score0/3
Weight-23.61%
1M Return-3.69%
Cash-MV
Value-0.07
Score0/3
Weight-25.65%
1M Return-3.39%
Value-0.07
Score0/3
Weight-25.65%
1M Return-3.39%
Is JFIN undervalued or overvalued?
- JFIN scores 9.17/10 on fundamentals and holds a Discounted valuation at present. Backed by its 38.63% ROE, 26.43% net margin, 1.52 P/E ratio, 0.56 P/B ratio, and 2.98% earnings growth, these metrics solidify its Outperform investment rating.
