Jiayin Group Inc ADR (JFIN) — Titan Protect Analysis

JFIN

Jiayin Group Inc ADR

Financial · ·

$3.84

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$214M

Total market value of the company

Trailing P/E

0.94

Very cheap relative to earnings

Forward P/E

2.15

Based on estimated future earnings — lower means cheaper

Rev Growth

-22.4%

Year-over-year revenue change

Profit Margin

24.7%

How much profit the company keeps from each dollar of revenue

ROE

40.6%

Return on equity — how efficiently it uses shareholder money

Analyst Target

N/A

Recommendation

NONE

Consensus view from ? analysts covering this stock

About Jiayin Group Inc ADR

Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers loan products with fixed terms and repayment schedules; guarantee services; referral services for investment products offered by third-party financial service providers; technology development services; and commercial services. The company was founded in 2011 and

https://www.jiayintech.cn

Country: China Employees: 1,155 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

0.083

Positive but modest risk-adjusted returns

Kelly Fraction

-0.0121

No positive edge detected — the data suggests staying out

Calmar Ratio

-0.233

Drawdown risk outweighs the returns — higher risk profile

Annual Return

-18.2%

Historical annualised return based on price data

Max Drawdown

-78.1%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.85

Less volatile than the market — more defensive

52W High

$19.23

80% below the year high

52W Low

$3.70

4% above the year low

Avg Volume

71,993

Average daily shares traded — higher means easier to buy and sell

Short Ratio

2.1

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

1,918.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$4.35

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

15.81

Heavy leverage — higher financial risk if revenues decline

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

80.1%

Revenue left after cost of goods — higher means pricing power

Operating Margin

8.7%

Profit from core operations before interest and tax

Free Cash Flow

$-1,007,670,400

Negative — the business is spending more than it generates

Revenue (TTM)

$6.2B

Total revenue over the last 12 months

Net Income

$1.5B

Profitable — the bottom line is positive

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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