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JFIN

9/9 Score

Jiayin Group Inc.

Analysis Date: February 16, 2026

Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates transparent, secure, and fast connections between individual borrowers and financial institutions funding partners. It also provides referral services for investment products offered by the financial service providers; and software development, risk control, marketing support, and IT assistance services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China.

Buffettology Criteria

All 9 of 9 criteria passed

  • High ROE

    Return on Equity > 12%

    Value: 45.6%

  • High ROIC

    Return on Invested Capital > 9%

    Value: 34.2%

  • Cash Machine

    FCF / Assets > 5%

    Value: 12.7%

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 77.5%

  • Share Buybacks

    Share Count is Dropping

    Value: -0.7%

  • Defensible Moat

    Gross Profit Margin > 40%

    Value: 80.9%

  • Simple Business

    Not in a speculative sector (e.g., Biotech)

    Value: Communication Services

  • Conservative Debt

    Debt to Equity < 1.5

    Value: 0.01x

  • Consistent Growth

    5-Year Growth is Positive

    Value: 98.2%

Analysis Summary

This looks like a business with a sturdy economic moat and excellent returns on capital, consistently growing its top and bottom lines. The balance sheet is as clean as a whistle, and management seems disciplined with capital, even returning some to shareholders. It appears to be a well-run operation trading at a fair price, a combination that certainly sparks interest.

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