Jiayin Group Inc.
JFIN scores 24.9 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Net penalties of -33.2 points significantly impact the ranking. Without these adjustments, JFIN would rank considerably higher.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| JFIN | 24.9 | 1.4 | 6.1% | 26.2% | $336M |
| GOOGL | 82.8 | 28.3 | 15.1% | 32.8% | $3.7T |
| EA | 75.1 | 75.1 | -1.3% | 15.0% | $50.2B |
| MTCH | 74.5 | 12.8 | 3.4% | 15.8% | $7.3B |
| META | 72.0 | 27.2 | 22.2% | 30.1% | $1.6T |
| TIGO | 69.8 | 10.1 | 2.5% | 4.4% | $11.0B |
| BZ | 65.5 | 21.9 | 23.6% | 21.5% | $8.1B |
| NXST | 65.2 | 14.4 | 9.6% | 13.4% | $7.0B |
| SIRI | 63.6 | 9.5 | -1.6% | 9.4% | $7.2B |
| CMCSA | 63.6 | 5.9 | -0.0% | 16.2% | $115.0B |
| JOYY | 60.9 | 1.9 | -1.3% | 83.2% | $3.3B |
| EVER | 60.6 | 10.4 | 73.7% | 8.4% | $566M |
| NFLX | 59.6 | 30.4 | 15.9% | 24.3% | $326.1B |
| TMUS | 59.3 | 22.6 | 8.5% | 12.4% | $245.5B |
| NWS | 56.7 | 12.6 | 2.4% | 12.2% | $14.7B |
| WMG | 56.4 | 51.7 | 4.4% | 5.4% | $15.4B |
| Sector Average | 43.5 | 120.6 | 15.8% | -116.3% | â |
Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates transparent, secure, and fast connections between individual borrowers and financial institutions funding partners. It also provides referral services for investment products offered by the financial service providers; and software development, risk control, marketing support, and IT assistance services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China.
Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.
| Metric | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|
| Revenue | $1.5B | $1.9B | $1.8B | $1.4B |
| Gross Profit | $1.2B | $1.6B | $1.4B | $1.1B |
| Operating Income | $457M | $639M | $607M | $393M |
| Net Income | $376M | $519M | $539M | $276M |
| EPS (Diluted) | $7.36 | $9.84 | $10.12 | $5.20 |
| Gross Margin | 80.5% | 84.9% | 81.1% | 75.8% |
| Operating Margin | 31.1% | 33.9% | 34.2% | 28.0% |
| Net Margin | 25.6% | 27.5% | 30.4% | 19.6% |
This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor â it is a practical tradability overlay).
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $2.10 | $14.95 | 150.7% | Wide |
| 2022 | $1.57 | $3.19 | 68.1% | Wide |
| 2023 | $2.26 | $8.19 | 113.5% | Wide |
| 2024 | $4.00 | $8.58 | 72.8% | Wide |
| 2025 | $5.73 | $19.23 | 108.2% | Wide |
Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.