Stocktoria
Jiayin Group Inc. JFIN
Jiayin Group Inc. (JFIN) earns a Piotroski F-score of 3/9 (weak financial health), with an Altman Z″ in the safe zone. It pays a dividend (safety: no dividend). FY2025 revenue was $889.8M at a 24.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.37 |
| Retained earnings / assets | 0.398 |
| EBIT / assets | 0.205 |
| Equity / liabilities | 1.025 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| JFIN | Jiayin Group Inc. | 3/9 | 6.18 | — | +12% |
| MARA | MARA Holdings, Inc. | 2/9 | -0.64 | — | +38.2% |
| OPRT | Oportun Financial Corp | 4/9 | — | 10.4 | -4.5% |
| CLSK | CLEANSPARK, INC. | 4/9 | 4.88 | 11.5 | +102.2% |
| PWP | Perella Weinberg Partners | 3/9 | — | 44.3 | -14.5% |
| UPST | Upstart Holdings, Inc. | 3/9 | — | 57.6 | +64% |
| CANG | Cango Inc. | 2/9 | -4.15 | — | +524.3% |
All Finance, Insurance & Real Estate companies →
About Jiayin Group Inc.
Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers loan products with fixed terms and repayment schedules; guarantee services; referral services for investment products offered by third-party financial service providers; technology development services; and commercial services. The company was founded in 2011 and is headquartered in Shanghai, China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.
FAQ
Is JFIN financially healthy?
Jiayin Group Inc.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does JFIN pay a dividend, and is it safe?
Yes. Jiayin Group Inc. pays a dividend with a None payout ratio, rated “no dividend” for safety.
How profitable is JFIN?
In FY2025, Jiayin Group Inc. had a net margin of 24.7% and a return on equity of 34.6%.
Is JFIN overvalued or undervalued?
Jiayin Group Inc. trades at about 2.2× trailing earnings — below its 10-year norm (10-year range 4.3×–18.6×, median 6.4×). Stocktoria reports the data, not buy/sell advice.
Is JFIN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Jiayin Group Inc.: a Piotroski F-score of 3/9, an Altman Z″ in the safe zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.