JFIN
Jiayin Group Inc.
JFIN's fundamentals are weak: revenue fell 38% and its operating margin fell 24 points to 5.8%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
JFIN Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Stable | |
| Stable | |
| Healthy |
JFIN's balance sheet is currently healthy, and its profitability and cash flow are stable, but its revenue is weak.
JFIN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 1.4x | $0.97 | -31% |
| Fair | 1.9x | $1.30 | -6.8% |
| Current | 2x | $1.39 | — |
| Expensive | 4.6x | $3.24 | +133% |
Historical ranges are pointers, not guarantees.
JFIN's PE is 2.0x, but its earnings don't support one, so it isn't a reliable read right now.
JFIN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for JFIN, with profitability improving.
JFIN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.70 | -85% |
| Q1 2026 | $2.70 | -28% |
| Q4 2025 | $4.39 | +47% |
| Q3 2025 | $4.88 | +51% |
| Q2 2025 | $4.54 | +34% |
| Q1 2025 | $3.73 | +2.8% |
| Q4 2024 | $2.99 | -18% |
| Q3 2024 | $3.24 | -21% |
JFIN earned $0.70 per share over the past year, down 85% from the year before.
JFIN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $110.6M | -61% |
| Q1 2026 | $112.9M | -58% |
| Q4 2025 | $161.3M | -23% |
| Q3 2025 | $220.6M | +1.8% |
| Q2 2025 | $283.1M | +28% |
| Q1 2025 | $266.5M | +20% |
| Q4 2024 | $210.8M | -12% |
| Q3 2024 | $216.8M | -1.5% |
JFIN's revenue has slid since its 2025 peak: $111M last quarter, down 61% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -33% | -67 points |
| Q1 2026 | -9.3% | -43 points |
| Q4 2025 | 8.7% | -19 points |
| Q3 2025 | 31% | +9.5 points |
| Q2 2025 | 34% | +19 points |
| Q1 2025 | 34% | +13 points |
| Q4 2024 | 28% | +14 points |
| Q3 2024 | 22% | -4.5 points |
JFIN's operating margin was −33% last quarter, down 67 points from the same quarter a year ago, near the bottom of its range since 2019.
JFIN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
JFIN's free cash flow was $0 over the past year, against $0 the year before.
JFIN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +68.1K shares |
| 1 year | -0.6% | -305K shares |
| 3 years | -2.1% | -1.1M shares |
| 5 years | -3% | -1.6M shares |
| Available history | -3% | -1.6M shares |
JFIN has 52M diluted shares, down 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
JFIN hasn't bought back shares in the past year.
JFIN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | -0.0x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -0.1x | Net Cash |
| Q4 2024 | -0.4x | Net Cash |
| Q3 2024 | -0.6x | Net Cash |
JFIN's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago.
JFIN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 30.2 | Neutral |
| Stochastic | 21.6 | Neutral |
JFIN's weekly RSI is 30 (neutral) and its Stochastic is 22 (neutral).
JFIN PE vs Communication Services Sector
| Metric | JFIN | Sector median | Relative |
|---|---|---|---|
| PE | 2x | 16x | 88% below |
| PE % | 56 | 26 | 30 pts above |
JFIN is trading at 2.0x earnings, a 88% discount to the Communication Services sector's median of 16x, though its earnings don't support one.
JFIN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.40 | 0.7% below |
| 20 week MA | $1.89 | 26% below |
| 50 week MA | $4.03 | 66% below |
| 100 week MA | $7.72 | 82% below |
| 200 week MA | $6.63 | 79% below |
JFIN is in a downtrend: it's below all five of its weekly moving averages, and 79% below its 200-week average.
JFIN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.20 | $3.23 | -38% |
| 2021 | $3.23 | $2.43 | -25% |
| 2022 | $2.43 | $2.18 | -10% |
| 2023 | $2.18 | $5.18 | +138% |
| 2024 | $5.18 | $6.33 | +22% |
| 2025 | $6.33 | $6.20 | -2.1% |
| 2026 YTD | $6.20 | $1.39 | -78% |
JFIN has finished lower in four of the last six years. It's down 78% so far in 2026.