Is JFIN or JFU more undervalued in 2026?

CirclFi compares Jiayin Group Inc. (JFIN) and 9F Inc. (JFU) using 13 institutional-grade valuation models. JFIN has a Quality of Company score of 9.3/10 while JFU scores 8.3/10.

Which is a better buy — JFIN or JFU?

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 JFIN and JFU valuations compare?

JFIN at $4.33 and JFU at $3.06 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

JFIN vs JFU Valuation Comparison 2026 — Intrinsic Value Analysis

JFIN

Finance Services

Jiayin Group Inc.

Quality

9.3

out of 10

Value Trap

LOW

Price

$4.33

Last close

Models

6/13

Active

JFU

Finance Services

9F Inc.

Quality

8.3

out of 10

Value Trap

LOW

Price

$3.06

Last close

Models

5/13

Active

Model-by-Model Comparison

Model	Type	JFIN Fair Value	JFIN Upside	JFU Fair Value	JFU Upside
Bayesian DCF	Intrinsic	$13.58	+213.6%	—	—
Earnings Power Value	Intrinsic	—	—	$11.81	+285.9%
First Chicago	Scenario	—	—	$14.15	+362.4%
Dynamic NAV	Asset-Based	$2.01	-53.6%	—	—
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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JFIN vs JFU — Which Stock Is More Undervalued?

JFIN scores higher with a 9.3/10 quality rating vs JFU's 8.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Jiayin Group Inc. (JFIN) and 9F Inc. (JFU) 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.

JFIN currently trades at $4.33 with a QOC of 9.3/10, while JFU trades at $3.06 with a QOC of 8.3/10.

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).