JFIN PE Ratio & Valuation,Is JFIN Overvalued

JFIN Relative Valuation

JFIN's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, JFIN is overvalued; if below, it's undervalued.

Historical Valuation

Jiayin Group Inc (JFIN) is now in the Fair zone, suggesting that its current forward PE ratio of 4.65 is considered Fairly compared with the five-year average of 3.97. The fair price of Jiayin Group Inc (JFIN) is between 3.38 to 8.77 according to relative valuation methord.

Relative Value

Fair Zone

3.38-8.77

Current Price：6.69

Fair

4.65

0.00

EV/EBITDA

Jiayin Group Inc. (JFIN) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

3.75

EV/EBIT

Jiayin Group Inc. (JFIN) has a current EV/EBIT of 3.75. The 5-year average EV/EBIT is 2.88. The thresholds are as follows: Strongly Undervalued below -0.98, Undervalued between -0.98 and 0.95, Fairly Valued between 4.81 and 0.95, Overvalued between 4.81 and 6.74, and Strongly Overvalued above 6.74. The current Forward EV/EBIT of 3.75 falls within the Historic Trend Line -Fairly Valued range.

1.28

Jiayin Group Inc. (JFIN) has a current PS of 1.28. The 5-year average PS is 1.07. The thresholds are as follows: Strongly Undervalued below -0.26, Undervalued between -0.26 and 0.41, Fairly Valued between 1.74 and 0.41, Overvalued between 1.74 and 2.40, and Strongly Overvalued above 2.40. The current Forward PS of 1.28 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Jiayin Group Inc. (JFIN) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Jiayin Group Inc. (JFIN) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Jiayin Group Inc (JFIN) has a current Price-to-Book (P/B) ratio of 0.59. Compared to its 3-year average P/B ratio of 1.07 , the current P/B ratio is approximately -45.08% higher. Relative to its 5-year average P/B ratio of 0.95, the current P/B ratio is about -38.16% higher. Jiayin Group Inc (JFIN) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 2.64%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 2.65% , the current FCF yield is about -100.00% lower.

0.59

P/B

Median3y

1.07

Median5y

0.95

0.00

FCF Yield

Median3y

2.64

Median5y

2.65

Competitors Valuation Multiple

The average P/S ratio for JFIN's competitors is 0.61, providing a benchmark for relative valuation. Jiayin Group Inc Corp (JFIN) exhibits a P/S ratio of 1.28, which is 112.03% above the industry average. Given its robust revenue growth of 15.39%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of JFIN increased by 9.42% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 26.28 to 31.81.

The secondary factor is the Revenue Growth, contributed 15.39%to the performance.

Overall, the performance of JFIN in the past 1 year is driven by Margin Expansion. Which is more sustainable.

15.39%

1.03B → 1.18B

Revenue Growth

21.04%

26.28 → 31.81

Margin Expansion

-27.01%

2.07 → 1.51

P/E Change

9.42%

6.37 → 6.97

Mkt Cap Growth

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Frequently Asked Questions

Is Jiayin Group Inc (JFIN) currently overvalued or undervalued?

What is Jiayin Group Inc (JFIN) fair value?

JFIN's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Jiayin Group Inc (JFIN) is between 3.38 to 8.77 according to relative valuation methord.

How does JFIN's valuation metrics compare to the industry average?

What is the current P/B ratio for Jiayin Group Inc (JFIN) as of Dec 15 2025?

As of Dec 15 2025, Jiayin Group Inc (JFIN) has a P/B ratio of 0.59. This indicates that the market values JFIN at 0.59 times its book value.

What is the current FCF Yield for Jiayin Group Inc (JFIN) as of Dec 15 2025?

As of Dec 15 2025, Jiayin Group Inc (JFIN) has a FCF Yield of 0.00%. This means that for every dollar of Jiayin Group Inc’s market capitalization, the company generates 0.00 cents in free cash flow.

What is the current Forward P/E ratio for Jiayin Group Inc (JFIN) as of Dec 15 2025?

As of Dec 15 2025, Jiayin Group Inc (JFIN) has a Forward P/E ratio of 4.65. This means the market is willing to pay $4.65 for every dollar of Jiayin Group Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Jiayin Group Inc (JFIN) as of Dec 15 2025?

As of Dec 15 2025, Jiayin Group Inc (JFIN) has a Forward P/S ratio of 1.28. This means the market is valuing JFIN at $1.28 for every dollar of expected revenue over the next 12 months.

JFIN Valuation

JFIN Valuation

JFIN Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Jiayin Group Inc (JFIN) currently overvalued or undervalued?

What is Jiayin Group Inc (JFIN) fair value?

How does JFIN's valuation metrics compare to the industry average?

What is the current P/B ratio for Jiayin Group Inc (JFIN) as of Dec 15 2025?

What is the current FCF Yield for Jiayin Group Inc (JFIN) as of Dec 15 2025?

What is the current Forward P/E ratio for Jiayin Group Inc (JFIN) as of Dec 15 2025?

What is the current Forward P/S ratio for Jiayin Group Inc (JFIN) as of Dec 15 2025?