What is Jiayin Group Inc. (JFIN)'s fair-value range?

EvidInvest reads Jiayin Group Inc. (JFIN)'s market price back into the assumptions behind it — the implied P/E, growth rate and cash yield — using its latest filed financials, then lets you set your own. See the full DCF, Graham number, EPV and multiple-based methods at https://evidinvest.com/valuation/JFIN.

How is Jiayin Group Inc. (JFIN)'s fair value calculated?

Jiayin Group Inc. (JFIN)'s fair value is computed with several independent methods — a discounted cash flow (DCF) model, the Graham number, earnings power value (EPV), and valuation multiples such as PE and EV/EBITDA — using data from SEC filings. P/B is optional for non-financial companies and included in the preset range for financial sectors.

Which filing are Jiayin Group Inc. (JFIN)'s valuation inputs based on?

Inputs come from the FY2025 20-F filed 2026-04-28 (accession 0001193125-26-183485). Source: https://www.sec.gov/Archives/edgar/data/1743102/000119312526183485/

Fair value · Jiayin Group Inc. (JFIN) · updated 2026-10-30 · from 20-F FY2025

Jiayin Group trades at $1.60. We are not reading assumptions out of that price: this is a depositary receipt and we cannot show whether its per-share figures are stated per ADS or per ordinary share, so these methods are withheld rather than shown at a scale we cannot verify.

Name: Jiayin Group Inc. (JFIN) valuation inputs and fair-value methods
Creator: EvidInvest
License: https://evidinvest.com/subscription-terms

Everything below is unaffected: the filed statements, the filing they came from, and JFIN’s growth history are all as reported.

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Inputs come from the FY2025 20-F filed 2026-04-28 (accession 0001193125-26-183485); set your own on the sliders below. Research, not investment advice.

The filing behind these numbers

Jiayin Group Inc.

Revenue: CNY 6.2B
Diluted EPS: CNY 7.35
Free cash flow: CNY 622.3M; operating cash flow − capital expenditure
Diluted shares: 208.9M; weighted average

20-F FY2025 · fiscal year ended 2025-12-31 · filed 2026-04-28 · accession 0001193125-26-183485

Open this filing on sec.gov

Valuation tool: build your own JFIN range

Fair Value Summary

Daily Price — JFIN

$1.72 -80.0% (1Y)

Your range0 of 8 methods

At least two methods need a usable value to draw a range with these inputs.

Range with preset inputs

No preset range for this company yet.

The two ranges are identical because every input sits on a preset.

We don’t tell you what JFIN is worth. Every tab OPENS on what today’s price implies for that method’s key assumption; you decide whether that assumption is reasonable — the growth matrix has JFIN’s filed history and the AI chat will reason it through with you — and the range you build is yours. Our presets are filed history and reference settings, never a recommendation.

Discounted cash flow

N/A

This is a depositary receipt and we cannot show whether its per-share figures are stated per ADS or per ordinary share, so these methods are withheld rather than shown at a scale we cannot verify.

Preset inputs — revenue-driven DCF from the latest filing

Implied by today’s price

This is a depositary receipt and we cannot show whether its per-share figures are stated per ADS or per ordinary share, so these methods are withheld rather than shown at a scale we cannot verify.

Not solvable from the price — This is a depositary receipt and we cannot show whether its per-share figures are stated per ADS or per ordinary share, so these methods are withheld rather than shown at a scale we cannot verify. Showing preset inputs.

This method has no key input to read out of the price. The others below do, and you set them yourself: the growth matrix shows what JFIN has actually filed, and the AI chat will reason it through with you.

Your inputs

Free cash flow grows at your stage-1 rate, then your stage-2 rate, then a terminal rate; everything is discounted at your WACC.

Stage-1 growth5.0%

Yearly free-cash-flow growth for the first stage. Starts below zero so a shrinking-cash-flow case — and the rate today’s price implies — can be set.

-20.0%112.0%

Stage-1 years5 yrs

How long stage-1 growth lasts.

1 yrs10 yrs

Stage-2 growth2.5%

Slower growth after stage 1, before the terminal phase.

-20.0%30.0%

Stage-2 years5 yrs

0 yrs10 yrs

Terminal growth2.5%

Growth forever after the two stages. Above ~3% is rarely justified.

0.0%5.0%

Discount rate (WACC)9.69%

The return you require. Default is the WACC EvidInvest computed for this company. Higher discount rate, lower value.

3.00%15.00%

Net debt ($M)Debt minus cash, from the balance sheet. Subtracted from enterprise value.

Starting FCF ($M)Latest free cash flow from the filing (operating cash flow minus capex).

Shares (M)Diluted shares, from the filing.

Year by year (two-stage model, $M)

PV explicit $684M · PV terminal $727M · EV $1,411M · equity $1,402M

Year	Stage	FCF	Present value
1	Stage 1	$93M	$85M
2	Stage 1	$98M	$82M
3	Stage 1	$103M	$78M
4	Stage 1	$108M	$75M
5	Stage 1	$114M	$72M
6	Stage 2	$116M	$67M
7	Stage 2	$119M	$62M
8	Stage 2	$122M	$58M
9	Stage 2	$125M	$55M
10	Stage 2	$129M	$51M

Inputs from the filing

Statements filed in CNY, converted to USD at the 2025-12-31 period-end rate (7.0010 CNY per USD; ECB reference rates).

Free cash flow: $88.9M; latest full year
EBIT: $256.7M; latest annual
Shares: 52.3M
Total debt: $17.9M
Cash: $8.8M
Net debt: $9.1M; debt − cash

20-F FY2025 · period ended 2025-12-31 · filed 2026-04-28 · accession 0001193125-26-183485 · sec.gov

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Jiayin Group trades at $1.60. We are not reading assumptions out of that price: this is a depositary receipt and we cannot show whether its per-share figures are stated per ADS or per ordinary share, so these methods are withheld rather than shown at a scale we cannot verify.

The filing behind these numbers

Valuation tool: build your own JFIN range

Daily Price — JFIN

Your range0 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

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Valuation tool: build your own JFIN range

Daily Price — JFIN

Your range0 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

More on JFIN

Compare with peers

Explore