Is HKD or JFIN more undervalued in 2026?

CirclFi compares AMTD Digital Inc. (HKD) and Jiayin Group Inc. (JFIN) using 13 institutional-grade valuation models. HKD has a Quality of Company score of 7.2/10 while JFIN scores 9.3/10.

Which is a better buy — HKD or JFIN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do HKD and JFIN valuations compare?

HKD at $1.82 and JFIN at $4.33 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HKD vs JFIN Valuation Comparison 2026 — Intrinsic Value Analysis

HKD

Finance Services

AMTD Digital Inc.

Quality

7.2

out of 10

Value Trap

SAFE

Price

$1.82

Last close

Models

11/13

Active

JFIN

Finance Services

Jiayin Group Inc.

Quality

9.3

out of 10

Value Trap

LOW

Price

$4.33

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	HKD Fair Value	HKD Upside	JFIN Fair Value	JFIN Upside
Bayesian DCF	Intrinsic	$0.33	-80.4%	$13.58	+213.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$0.49	-71.6%	—	—
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$0.56	-68.0%	$2.01	-53.6%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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HKD vs JFIN — Which Stock Is More Undervalued?

JFIN scores higher with a 9.3/10 quality rating vs HKD's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing AMTD Digital Inc. (HKD) and Jiayin Group Inc. (JFIN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

HKD currently trades at $1.82 with a QOC of 7.2/10, while JFIN trades at $4.33 with a QOC of 9.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).