Jiayin Group Inc. (JFIN) intrinsic value & 10-year financials
Jiayin Group Inc. (JFIN) has a Graham intrinsic value of $223.08 per share. At $1.32 on Oct 27, 2026, the stock trades 99% below that value. Over the last 10 fiscal years revenue grew 13.6% a year to $6.2B, with an average return on invested capital of 19.2%.
- Graham intrinsic value
- $223.08
- Share price (Oct 27, 2026)
- $1.32
- Price vs Graham value
- 99% below
- Market cap
- $274.7M
- Revenue (FY2025)
- $6.2B
- Revenue growth (10-yr CAGR)
- 13.6%
- ROIC (10-yr avg)
- 19.2%
- Free cash flow (FY2025)
- $622.3M
JFIN 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $6.2B | $1.5B | $7.35 | $622.3M | 28.9% | 41.2% |
| FY2024 | $5.8B | $1.1B | $4.97 | $686.4M | 21.5% | 43.7% |
| FY2023 | $5.5B | $1.3B | $6.06 | $358.0M | 24.4% | 74.6% |
| FY2022 | $3.3B | $1.2B | $5.48 | $116.1M | 36.1% | 255.3% |
| FY2021 | $1.8B | $472.1M | $2.18 | $181.8M | 24.3% | -95.6% |
| FY2020 | $1.3B | $252.9M | $1.17 | -$36.4M | 23.2% | -30.0% |
| FY2019 | $2.2B | $527.7M | $2.51 | -$1.3M | 24.0% | -60.1% |
| FY2018 | $2.9B | $611.8M | $3.06 | -$245.3M | 23.8% | -33.2% |
| FY2017 | $2.3B | $539.5M | $2.70 | $83.0M | 30.5% | -23.5% |
| FY2016 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Jiayin Group Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Jiayin Group Inc. has historically struggled to out-earn its cost of capital, averaging just -3.4% ROIC.
Jiayin Group Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Jiayin Group Inc. is modeled at 13.3% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $223.08 per share.