Added to YB: 2026-07-23
Pitch date: 2026-07-21
JFIN [neutral]
Jiayin Group Inc.
-5.37%
current return
Author Info
No bio for this author
Company Info
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.
Market Cap
$871.7M
Pitch Price
$2.42
Price Target
N/A
Dividend
32.52%
EV/EBITDA
1.24
P/E
0.93
EV/Sales
0.29
Sector
Consumer Finance
Category
special_situation
Chinese Lenders Review - JFIN
JFIN (pass): Chinese online lender crushed by regulatory changes (24% all-in cost cap, ~12% small-loan cap, disclosure rules, whitelisting favoring QFIN/FinVolution). Q1'26 originations -50% YoY to RMB19.3B, reported operating loss; 90d+ delinquency 2.25%. Q2 guide RMB9.5-10.5B (~75% YoY drop). Stock -28% on results. Too risky; questions viability.
Read full article (4 min)