Operates a fintech platform connecting individual borrowers with financial institutions in China. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
The market pays 2.3× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 95% of them.
No analyst target is on record for this company.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Growth: Sales growth trails the sector average.
An investor who bought at the very peak is down 92% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
The net profit margin is 25% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 3 buys and 0 sells. Management buying with its own money is usually read as a good sign.
Over the last 4 years, sales fell about 16% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 1/100. For a turnaround signal, the stock first needs to close the gap with the market.
The growth engine is running at low revs right now. Report-card grade: 2/100.
On our five-subject report card, JFIN sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: JFIN does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.