Jiayin Group Inc.
- Open
- 1.92
- Day high
- 2.01
- Day low
- 1.90
- Prev close
- 2.10
- Volume
- 92K
- Mkt cap
- $105M
- P/E (TTM)
- 2.9
- EPS (TTM)
- $0.70
- P/B
- 0.2
- P/S
- 0.2
- Yield
- —
- Per share
- —
Jiayin Group Inc. (JFIN) is a Communication Services company listed on NASDAQ. The stock is down 84% over the past year. Drillr has 2 published research articles covering JFIN.
Jiayin Group Inc. (JFIN) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
JFIN earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Aug 28, 2026 | $0.17 | $-0.13 | -176.2% | $109M | +103.4% |
| Mar 31, 2026 | $0.17 | $0.28 | +64.0% | — | — |
| Nov 25, 2025 | — | $1.04 | — | $206M | — |
| Aug 20, 2025 | — | $1.36 | — | $263M | — |
| Jun 4, 2025 | — | $1.40 | — | $244M | — |
| Mar 27, 2025 | — | $0.72 | — | $192M | — |
| Nov 20, 2024 | — | $0.72 | — | $206M | — |
| Jun 6, 2024 | — | $0.72 | — | $204M | — |
| Nov 22, 2023 | — | $0.83 | — | $201M | +159.4% |
| Aug 21, 2023 | — | $0.84 | — | $176M | +127.9% |
| Jun 8, 2023 | — | $0.76 | — | $163M | +110.9% |
| Nov 23, 2022 | $0.37 | $0.64 | +72.0% | $125M | +54.8% |
JFIN insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 24, 2026 | Wang Zhe (Maik)officer: Group head of Technology | Grant | 160,000 | — |
| Jun 24, 2026 | Xu Yifangdirector | Grant | 1,000,000 | — |
| Jun 24, 2026 | Fan Chunlinofficer: Chief financial officer | Grant | 240,000 | — |
Source: JFIN SEC Form 4 filings, latest Jun 24, 2026. For informational purposes only — not investment advice.
See the full JFIN insider & 13F page →JFIN research & analysis
Jiayin (JFIN) AI Customer Service Cuts Inference Cost 90%
Jiayin's customer-service AI reached end-to-end workflows as intent accuracy rose to 93% and inference cost fell 90%, though profit impact is unquantified.
Lufax (LU), Aurora Mobile (JG): China's 24% Cap Hits Compliant Lenders
Lufax and Aurora Mobile told August 2026 calls China's 24% all-in loan cap raised credit costs and cut risk-data revenue at firms that never charged above it.
02003.HK06060.HK06608.HK
Jiayin Group Inc. company profile
Overview
Jiayin Group Inc. (NYSE:JFIN) is a Chinese fintech company founded in 2011 and headquartered in Shanghai. The company went public on the New York Stock Exchange in May 2019. Jiayin operates as a technology-enabled financial services platform that connects individual borrowers with institutional lenders in China's consumer finance market. Over the past few years, the company has evolved from a traditional online lending facilitator to a comprehensive fintech platform emphasizing artificial intelligence and technology innovation, even rebranding itself as "Jiayin Technology" to reflect this strategic pivot.
Business
Jiayin Group operates in China's consumer finance industry, functioning as a fintech platform that facilitates loans between individual borrowers and institutional financial partners. The company's core business revolves around loan facilitation services, where it uses proprietary technology and risk assessment algorithms to match creditworthy borrowers with appropriate lenders from its network of over 70 financial institutions. The platform primarily serves individual consumers seeking personal loans, typically ranging from small amounts for daily expenses to larger sums for major purchases. Borrowers apply through Jiayin's digital platform, where the company's AI-powered systems assess creditworthiness, determine loan terms, and connect approved applicants with suitable institutional lenders. The company does not use its own capital to fund loans but rather acts as an intermediary. Jiayin's business consists of several key segments: 1. Loan Facilitation Services - The core revenue driver representing approximately 70% of total revenue. This involves connecting borrowers with institutional lenders and earning fees based on successful loan originations. 2. Guarantee Services - Historically significant but declining segment where Jiayin provided credit guarantees for certain loans, earning guarantee fees but also bearing credit risk. 3. Referral Services - Smaller segment involving referrals for investment products offered by financial service providers. 4. Technology Services - Growing segment providing software development, risk control systems, marketing support, and IT assistance services to financial institutions. The company has also begun expanding internationally, with operations in Indonesia, Mexico, and previously Nigeria, adapting its technology platform for local market conditions and regulatory requirements.
Revenue model
Jiayin generates revenue primarily through transaction-based fees from its loan facilitation services. The company earns fees when it successfully matches borrowers with lenders and facilitates loan originations. These fees are typically calculated as a percentage of the loan amount and are paid by either the borrowers, the institutional lenders, or both parties depending on the specific arrangement. The company's revenue streams include: 1. Loan Facilitation Fees - The largest revenue source, earned when loans are successfully originated through the platform. These fees vary based on loan size, borrower risk profile, and market conditions. 2. Guarantee Service Fees - Previously significant but now declining, these fees were earned when Jiayin provided credit guarantees for loans, though this exposed the company to credit risk. 3. Technology Service Fees - Growing revenue stream from providing risk management systems, AI-powered tools, and other technology services to financial institution partners. 4. Referral Fees - Smaller revenue stream from referring customers to investment products offered by financial service providers. Several factors influence Jiayin's profitability margins. Positive margin drivers include the company's increasing use of AI and automation to reduce operational costs, growing scale that spreads fixed technology investments across more transactions, and the shift away from guarantee services that carried credit risk. The company's focus on higher-quality borrowers also improves unit economics by reducing default-related costs. Negative margin pressures include intense competition in China's fintech sector leading to pricing pressure, increased customer acquisition costs as the company expands its borrower base, substantial R&D investments in AI and technology infrastructure, and regulatory changes that may affect fee structures or operational requirements. Macroeconomic conditions also significantly impact margins, as economic downturns increase credit risks and reduce loan demand, while interest rate changes affect both borrower demand and institutional lender appetite.
Competitive moat
Jiayin's competitive moat is moderate but strengthening through its technology investments and institutional relationships. The company's primary defensive advantages include its proprietary AI-powered risk assessment algorithms that have been refined over more than a decade of operations, processing millions of loan applications and developing sophisticated fraud detection capabilities. This technology platform creates switching costs for both borrowers and institutional partners who rely on Jiayin's risk models and operational efficiency. The company's network effects provide another layer of protection, as its platform becomes more valuable with scale - more institutional lenders attract more borrowers and vice versa. Jiayin's partnerships with over 70 financial institutions create relationship-based barriers to entry, as these partnerships took years to develop and involve integrated technology systems and risk-sharing arrangements. However, Jiayin's moat faces significant challenges. The Chinese fintech industry is highly competitive with well-funded competitors including Ant Group, JD Digits, and other technology giants that have deeper pockets and broader ecosystems. Regulatory risk represents a major threat, as Chinese authorities have increasingly scrutinized fintech companies and implemented stricter lending regulations. The company's dependence on the Chinese consumer credit market also creates concentration risk. The commoditization risk is substantial, as loan facilitation services can become increasingly standardized, and institutional lenders may choose to develop in-house capabilities or work directly with borrowers. While Jiayin's international expansion efforts in Indonesia and Mexico offer diversification, these markets present their own regulatory and competitive challenges. The company's moat is primarily dependent on execution excellence and continuous technology innovation rather than structural competitive advantages.
Risks & safety
Jiayin demonstrates a moderate margin of safety with reasonable financial health but some concerns around valuation sustainability and market dependency. Financial Stability: - Minimal debt with debt-to-equity ratio of just 0.017, indicating very low financial leverage - Strong current ratio of 2.15, showing good short-term liquidity - Cash and short-term investments of RMB 74 million, though relatively modest compared to operations - Positive free cash flow of RMB 94 million in 2024, demonstrating cash generation ability - No significant solvency concerns given low debt levels and profitable operations Valuation Metrics: - Extremely low P/E ratio of 2.3, suggesting either deep value or market skepticism - Price-to-book ratio of 0.79, indicating trading below book value - EV/EBITDA of 7.4, reasonable for a profitable growth company - Graham number significantly above current price, suggesting potential undervaluation Other Considerations: - High ROE of 34% indicates efficient capital deployment but may not be sustainable - Revenue concentration in Chinese consumer finance market creates geographic risk - Regulatory environment uncertainty in China poses ongoing operational risks - International expansion still in early stages with limited diversification benefits
Recent development
Over the past few years, Jiayin has undergone a significant strategic transformation from a traditional online lending facilitator to an AI-powered fintech platform. The company rebranded itself as "Jiayin Technology" to emphasize this technological pivot, investing heavily in artificial intelligence applications across all business functions. Technology Innovation has been the primary focus, with Jiayin implementing comprehensive AI integration including large language models for customer service, automated machine learning platforms for risk assessment, and AI-powered fraud detection systems. The company launched its DeepSeek-R1 large language model and developed the MingYi automated machine learning platform, significantly enhancing operational efficiency and risk management capabilities. Business Model Evolution shows a strategic shift away from guarantee services, which exposed the company to credit risk, toward pure facilitation services with higher margins and lower risk. This transition resulted in temporary revenue pressure but improved long-term sustainability. The company has also expanded its technology services segment, providing AI-powered solutions to institutional partners. International Expansion represents another key strategic initiative, with Jiayin establishing operations in Indonesia, Mexico, and previously Nigeria. The Indonesian market has shown particular promise with 74% loan volume growth, though the company has taken a cautious approach to international expansion, prioritizing regulatory compliance and sustainable development over rapid growth. Borrower Acquisition Strategy has evolved to focus on higher-quality customers, with the company successfully increasing the proportion of borrowers with higher credit scores while expanding total borrower acquisition by 45% in 2024. The platform has also enhanced its partnerships with internet platforms to diversify customer acquisition channels and reduce dependence on traditional marketing approaches.
JFIN company profile · for informational purposes only — not investment advice.
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