Latest Ratios: P/E Ratio 4.9x · EV/EBITDA 6.5x · ROE 5.7%. (2016–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $155M | $298M | $338M | $277M | $124M | $119M | $165M | $277M | — | — | — |
| Enterprise Value | $249M | $937M | $-150546448 | $-29539880 | $-139778500 | $-28453000 | $56M | $190M | — | — | — |
| P/E Ratio → | 4.87 | 1.39 | 0.32 | 0.21 | 0.10 | 0.25 | 0.65 | 0.52 | — | — | — |
| P/S Ratio | 1.22 | 0.34 | 0.06 | 0.05 | 0.04 | 0.07 | 0.13 | 0.12 | — | — | — |
| P/B Ratio | 0.24 | 0.07 | 0.11 | 0.12 | 0.10 | 4.62 | — | — | — | — | — |
| P/FCF | 1.69 | 0.48 | 0.49 | 0.77 | 0.16 | 0.65 | — | — | — | — | — |
| P/OCF | 0.84 | 0.24 | 0.24 | 0.71 | 0.14 | 0.64 | — | 10.52 | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.08 | -0.03 | -0.01 | -0.04 | -0.02 | 0.04 | 0.09 | — | — | — |
| EV / EBITDA | 6.51 | 3.61 | -0.12 | -0.02 | -0.12 | -0.06 | 0.17 | 0.34 | — | — | — |
| EV / EBIT | 6.77 | 3.60 | -0.12 | -0.02 | -0.12 | -0.07 | 0.18 | 0.35 | — | — | — |
| EV / FCF | — | 1.51 | -0.22 | -0.08 | -0.18 | -0.16 | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.9% | 77.9% | 64.9% | 63.2% | 82.7% | 81.1% | 81.6% | 80.9% | 86.1% | 89.8% | 75.8% |
| Operating Margin | 28.9% | 28.9% | 21.5% | 24.4% | 36.1% | 24.3% | 23.2% | 24.0% | 23.8% | 30.5% | -86.8% |
| Net Profit Margin | 24.7% | 24.7% | 18.2% | 23.7% | 36.1% | 26.5% | 19.5% | 23.7% | 21.2% | 24.0% | -65.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.7% | 5.7% | 38.4% | 71.7% | 186.2% | 1833.4% | — | — | — | — | — |
| ROA | 3.0% | 3.0% | 19.1% | 29.9% | 59.1% | 63.1% | 41.2% | 70.2% | 36.7% | 23.7% | -19.2% |
| ROIC | 4.9% | 4.9% | 39.7% | 65.5% | 207.0% | — | — | — | — | — | — |
| ROCE | 5.9% | 5.9% | 36.9% | 57.9% | 181.2% | 708.2% | — | — | — | — | — |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.16 | 0.02 | 0.03 | 0.02 | 1.37 | — | — | — | — | — |
| Debt / EBITDA | 2.70 | 2.70 | 0.04 | 0.05 | 0.02 | 0.08 | 0.03 | 0.06 | 0.10 | 0.15 | — |
| Net Debt / Equity | — | 0.14 | -0.16 | -0.13 | -0.21 | -5.72 | — | — | — | — | — |
| Net Debt / EBITDA | 2.46 | 2.46 | -0.39 | -0.23 | -0.22 | -0.33 | -0.33 | -0.16 | 0.04 | -0.73 | — |
| Debt / FCF | — | 1.03 | -0.71 | -0.86 | -0.33 | -0.81 | — | — | — | -6.05 | -0.43 |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.88 | 1.88 | 2.15 | 2.36 | 1.58 | 0.86 | 0.38 | 0.39 | 0.29 | 0.55 | 0.41 |
| Quick Ratio | 1.88 | 1.88 | 2.15 | 2.36 | 1.58 | 0.90 | 0.38 | 0.49 | 0.24 | 0.49 | 0.31 |
| Cash Ratio | 0.02 | 0.02 | 0.27 | 0.16 | 0.16 | 0.20 | 0.12 | 0.14 | 0.02 | 0.14 | 0.04 |
| Asset Turnover | — | 0.10 | 1.07 | 0.97 | 1.08 | 1.83 | 2.47 | 3.18 | 3.59 | 0.89 | 0.29 |
| Inventory Turnover | — | — | — | — | — | — | — | — | 3.10 | 0.84 | 0.29 |
| Days Sales Outstanding | — | 2203.38 | 219.62 | 269.23 | 228.22 | 103.00 | 44.37 | 18.04 | 68.38 | 129.61 | 243.72 |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 10.4% | 36.3% | 89.0% | 56.5% | — | 2.2% | — | — | — | — | — |
| Payout Ratio | 50.6% | 50.6% | 28.5% | 12.1% | — | 0.5% | — | — | 65.4% | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 20.5% | 71.7% | 312.1% | 468.0% | 953.0% | 396.4% | 153.4% | 190.9% | — | — | — |
| FCF Yield | 59.1% | 208.6% | 202.9% | 129.2% | 642.8% | 152.9% | — | — | — | — | — |
| Buyback Yield | 10.5% | 37.1% | 15.7% | 13.7% | 11.9% | 0.0% | 0.0% | 0.0% | — | — | — |
| Total Shareholder Yield | 20.9% | 73.4% | 100.0% | 70.3% | 11.9% | 2.2% | 0.0% | 0.0% | — | — | — |
| Shares Outstanding | — | $51M | $53M | $53M | $54M | $54M | $54M | $53M | $50M | $50M | $50M |
Regulatory credit policy shifts
According to current market data, JFIN trades at a P/E of 4.91 and a P/B of 0.24, suggesting that investors are pricing in significant terminal risk rather than growth, a sentiment further reinforced by the forward P/E of 0.30 which implies a potential collapse in future earnings.
The extreme discount to book value suggests the market views the company's assets as potentially impaired or difficult to monetize in the current regulatory climate. This valuation profile is characteristic of a firm undergoing a forced business model pivot where historical earnings multiples are no longer reliable indicators of future value.
Based on reported figures, JFIN's ROIC has experienced a sharp decline from 16.3% in 2023Q3 to 1.5% in 2025Q4, indicating that the company is struggling to generate meaningful returns on its invested capital as the core loan facilitation business faces persistent headwinds and operational friction.
The rapid deterioration in ROIC suggests that the company's recent shift toward a more asset-heavy footprint is not yielding the expected returns. Investors should monitor whether this trend represents a permanent impairment of the firm's ability to compound capital or a temporary byproduct of the ongoing structural transition.
As reported in financial statements, JFIN's Days Sales Outstanding (DSO) has surged to 425 days in 2025Q4, a significant increase from 193 days in 2023Q3, which suggests that the company is facing mounting difficulties in collecting fees from its institutional partners and borrowers in a timely manner.
This dramatic extension in the collection cycle implies that the company's cash conversion efficiency is deteriorating, potentially trapping liquidity within the balance sheet. Such a trend warrants further investigation into the credit quality of the underlying receivables and the potential for future write-downs.
Based on the latest quarterly filings, JFIN maintains a debt-to-equity ratio of 0.16, yet the lack of reported interest coverage ratios makes it difficult to assess the firm's true ability to service its obligations under the current high-volatility environment and shifting regulatory landscape.
While the low debt-to-equity ratio appears conservative, it may mask significant off-balance-sheet guarantee liabilities that are common in the Chinese fintech sector. The absence of clear interest coverage data suggests that the company's financial flexibility may be more constrained than the headline leverage metrics would otherwise imply.
The P/E ratio is frequently misapplied to JFIN because it fails to account for the company's transition from a principal-based lender to an agent-based service provider, which fundamentally alters the quality and sustainability of earnings reported in the income statement.
Investors should instead focus on the 'Take Rate' and operating margin trends, as these metrics better reflect the company's pricing power and operational efficiency in a post-P2P regulatory environment. Relying on P/E multiples in this context may lead to an inaccurate assessment of the firm's true earning power.
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Quick answers to the most common questions about buying JFIN stock.
Jiayin Group Inc.'s current P/E ratio is 4.9x. The historical average is 0.5x. This places it at the 100th percentile of its historical range.
Jiayin Group Inc.'s current EV/EBITDA is 6.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 1.4x.
Jiayin Group Inc.'s return on equity (ROE) is 5.7%. The historical average is 75.5%.
Based on historical data, Jiayin Group Inc. is trading at a P/E of 4.9x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Jiayin Group Inc.'s current dividend yield is 10.37% with a payout ratio of 50.6%.
Jiayin Group Inc. has 77.9% gross margin and 28.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Jiayin Group Inc.'s Debt/EBITDA ratio is 2.7x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.