Stock fact sheet · data as of
Jiayin Group Inc. (JFIN): fair value, margin of safety and Wheel Score
Financial Services · Financial - Credit Services · China · ADR · Speculative / Distressed
Is JFIN undervalued?
At 1.22 (close of 16 Oct 2026), JFIN trades 98% below the GLS average fair value of 50.42. That average comes from 8 models run on the latest filings, and 8 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Jiayin Group Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between GLS Growth (1.93) and 10 Cap (320.29). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files JFIN under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for JFIN
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 6.67 | +447% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 22.31 | +1729% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 10.63 | +772% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.64 | +116% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.93 | +58% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 320.29 | +26153% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 31.58 | +2488% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 7.32 | +500% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 49.65 | +3970% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Jiayin Group Inc. scores only 3 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 3.4/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 4.2%, ROE 4.8%, ROA 2.4% - with debt at 0.16 times equity and negative free cash flow.
Jiayin Group Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Loan Facilitation Services 88%, Other Revenues 12% (fiscal year FY2022).
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | 4.2% |
|---|---|---|---|
| GLS Moat | 3.4 / 10 | ROE | 4.8% |
| Debt / equity | 0.16 | ROA | 2.4% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 45: Weak
With a Wheel Score of 45 Jiayin Group Inc. sits in the Weak band, capped at 45 because the engine files it as Speculative / Distressed. The parts - Value 25/25, Health 7/20, Moat 5/15, Premium 5/20, Stability 6/20 - show where: Premium (5/20) scores lowest.
Implied volatility is 301%, far above the range the wheel strategy is built for. The premium looks generous; the Wheel Score gives it only 5 of 20 Premium points because moves of that size can blow through any strike. Chain open interest is 3,078 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 33k shares a day on a market cap of $64M, with a beta of 0.86; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 98% margin of safety | |
| Health | 7 / 20 | Piotroski 3/9 | |
| Moat | 5 / 15 | moat 3.4/10 | |
| Premium | 5 / 20 | implied volatility 301% | |
| Stability | 6 / 20 | 33k shares/day, $64M cap, beta 0.86 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 25 Nov 2026 (before the open), 40 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to Jiayin Group Inc. by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| YRD Yiren Digital Ltd. | 0.6496 | 39.61 | +98% | 45Weak | $56M |
| ANTA Antalpha Platform Holding Company | 2.33 | 16.10 | +86% | 39No options | $56M |
| VRM Vroom, Inc. | 8.95 | 140.85 | +94% | 39No options | $47M |
| SUIG SUI Group Holdings Limited | 1.28 | 0.5096 | -151% | 22Weak | $98M |
| FOA Finance of America Companies Inc. | 10.99 | - | - | 39Weak | $101M |
| LX LexinFintech Holdings Ltd. | 0.6840 | 85.88 | +99% | 63Fair | $115M |
| XYF X Financial | 4.85 | 2,092.71 | +100% | 39No options | $32M |
| PRPS Propellus Inc. | 3.11 | - | - | 25No options | $28M |
| FIGI Freedom Internet Group Inc. | 2.05 | 0.0075 | -27248% | 15No options | $23M |
| SWKHL SWK Holdings Corporation 9.00% Senior Notes due 2027 | 25.11 | 57.08 | +56% | 38No options | $192M |
| TROO TROOPS, Inc. | 1.63 | - | - | 25Weak | $199M |
| CPSS Consumer Portfolio Services, Inc. | 9.17 | 69.18 | +87% | 73Good | $201M |
⚖ Compare JFIN with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about JFIN
Is JFIN undervalued right now?
By the GLS models, yes: at 1.22 the stock is 98% below the average fair value of 50.42 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of JFIN and what does it mean?
JFIN scores 45 out of 100 (Weak). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for JFIN?
50.42 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Jiayin Group Inc. report earnings next?
The next earnings report is due on 25 Nov 2026 (before the open), 40 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does JFIN have listed options, and how liquid are they?
Yes. The nightly snapshot found 36 listed contracts with 3,078 open interest across all expiries and implied volatility of 301% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.