Stock fact sheet · data as of
Jiayin Group Inc. (JFIN): fair value, margin of safety and Wheel Score
Ticker symbol JFIN · Financial Services · Financial - Credit Services · China · ADR · Speculative Income
JFIN is an American depositary share (ADR): the US listing of Jiayin Group Inc., whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is JFIN undervalued?
At 1.55 (close of 5 Nov 2026), JFIN trades 89% below the GLS average fair value of 14.65. That average comes from 9 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 (0.8287) and 10 Cap (56.25). 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 - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan. It also carries the Income tag (Income = a dividend yield of 4% or more).
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 | 6.78 | +337% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 13.74 | +787% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 10.66 | +588% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.64 | +71% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.8287 | -47% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 56.25 | +3529% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 29.01 | +1772% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 4.56 | +194% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 7.34 | +374% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 7.44 | +380% | 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 "Piotroski 6 or more" Wheel Trade Filter. 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. On durability JFIN scores 7.0/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
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.
The dividend yield is high at 19.99% (payout ratio 0%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. 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 | 7.0 / 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 28: Weak
With a Wheel Score of 28 Jiayin Group Inc. sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (2,842 open interest, 25 a day); and filter 2, a real business, not a gamble - speculative (a loss, or a weak Piotroski score); and filter 4, financially healthy - Piotroski 3/9 (under 6); and filter 6, no serious red flags - Red Flags score 35 (under 60); and filter 7, a premium worth selling - implied volatility 329% (over 80%); and filter 8, big enough - market cap $81M (under $1.0B); and filter 9, not a penny stock - price 1.55 (under $5); Premium (weak) is its weakest part.
Implied volatility is 329%, above the 80% ceiling of the Wheel Trade Filter on premium. The premium looks generous, but moves of that size can blow through any strike. Chain open interest is 2,842 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 49k shares a day on a market cap of $81M, with a beta of 0.86; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (2,842 open interest, 25 a day) |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 3/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Fails | Red Flags score 35 (under 60) |
| 7 | A premium worth selling | Fails | implied volatility 329% (over 80%) |
| 8 | Big enough | Fails | market cap $81M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 1.55 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 89% below fair value | |
| Premium | Weak | implied volatility 329% | |
| Moat | Good | moat 7.0/10 | |
| Health | Weak | Piotroski 3/9 | |
| Red Flags | Weak | Red Flags score 35/100 | |
| Option trading | Weak | 25 contracts a day, 2,842 open interest | |
| Stability | Fair | beta 0.86, $81M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 25 Nov 2026 (before the open), 20 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.
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|---|---|---|---|---|---|
| SUIG SUI Group Holdings Limited | 1.06 | 0.5090 | -108% | 9Weak | $81M |
| FOA Finance of America Companies Inc. | 11.99 | 131.17 | +91% | 26Weak | $111M |
| LX LexinFintech Holdings Ltd. | 0.6950 | 40.79 | +98% | 34Weak | $115M |
| ANTA Antalpha Platform Holding Company | 1.71 | 18.81 | +91% | 28No options | $41M |
| VRM Vroom, Inc. | 7.00 | 140.85 | +95% | 27No options | $37M |
| YRD Yiren Digital Ltd. | 0.3942 | 22.11 | +98% | 26Weak | $34M |
| XYF X Financial | 4.96 | 1,805.53 | +100% | 34No options | $32M |
| TROO TROOPS, Inc. | 1.81 | - | - | 10Weak | $221M |
| CPSS Consumer Portfolio Services, Inc. | 10.14 | 71.08 | +86% | 39Weak | $222M |
| MFIN Medallion Financial Corp. | 10.37 | 56.16 | +82% | 49Weak | $234M |
| PRPS Propellus Inc. | 3.11 | - | - | 11No options | $28M |
| RWAYL Runway Growth Finance Corp. - 7 | 25.35 | 26.69 | +5% | 20No options | $275M |
⚖ 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 1.55 the stock is 89% below the average fair value of 14.65 (data as of 5 Nov 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 28 out of 100 (Weak) - it fails Wheel Trade Filters 1, 2, 4, 6, 7, 8, 9. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for JFIN?
14.65 per share as of 5 Nov 2026 - the simple average of the 9 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), 20 days from the data date of 5 Nov 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 26 listed contracts with 2,842 open interest across all expiries and implied volatility of 329% 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.
Is JFIN an ADR?
Yes. JFIN is an American depositary share (ADR): the US listing of Jiayin Group Inc., whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.