JFIN — Stock Film
STOCK FILMSCENE 1/11JFIN · $3.98
Stock Expert AI presents
JFIN
Jiayin Group Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Jiayin Group Inc. A quick introduction.

On the stock market since 2019, it operates in the world of media and communication. It has 1,028 employees. Now — the numbers.

on the stock market since 2019
1,028 employees
$207.9M market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $25 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 25%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
88%Loan Facilitation Services
Loan Facilitation Services 88%Other Revenues 12%
88% of all revenue comes from a single line: Loan Facilitation Services.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales have been shrinking.

An average decline of 16% a year over the last 4 years — the most striking risk in this picture.

$1.8B
2021
$3.3B
2022
$5.5B
2023
$5.8B
2024
$865.6M
2025
Cash on hand:
$0
Total debt:
$0
The debt outweighs the cash.

The gap is $638.8M. In times of high interest rates, a gap like that can squeeze a company.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Fat profit per sale, but shrinking10/10
WEAK SPOTS
The stock has lost its spark0/10
THE FIVE-YEAR JOURNEY
A big climb, then a hard fall.

An investor who bought at the very peak is down 79% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.

1
THE BRIGHT SIDE · 1/3
A fat but narrowing margin

The net profit margin is 25% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/3
Delivers on expectations

It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.

3
THE BRIGHT SIDE · 3/3
Executives are buying their own stock

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.

1
THE RISKS · 1/2
Sales are shrinking

Over the last 3 years, sales fell about 36% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.

2
THE RISKS · 2/2
The stock has lost its spark

Since the drop from its peak, buyer appetite hasn’t come back. Council score: 0/10.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, JFIN sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: JFIN is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

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This was a film — not investment advice.
Data: FMP & company filings
Jul 21, 2026 · stockexpertai.com · Stock Film