Jiayin Group Inc. (JFIN) Fair Value 2026

JFIN · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

9.4 /10

32 fundamental signals · 1 models active

Value Trap Risk

SAFE (18/100)

Quick Summary — As of 2026-08-27, Jiayin Group Inc. (JFIN) trades at $2.17. QOC: 9.4/10. Value Trap Risk: 18/100 (SAFE). 1/13 models active.

Key Facts

Ticker
JFIN
Price
$2.17
Quality Score
9.4/10
Value Trap Risk
18/100
Models Active
1/13
Last Updated
Strength: Markov DDM suggests +449.1% upside with 45% confidence
Risk: Limited model coverage (1/13) may reduce confidence

What Fair Value Does Each Model Give JFIN?

1 Intrinsic Value Models vs. Current Price ($2.17)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $11.92 +449.1%

All Models Active

All 1 models are displayed above.

What Is Jiayin Group Inc. (JFIN) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Jiayin Group Inc.'s intrinsic value is estimated at a median fair value of $11.92. At a current market price of $2.17, 1 of 1 active valuation models identify upside potential, projecting a median implied return of +449.1%.

What Do the Models Say About JFIN?

1 of 13 models are currently active for JFIN. All 1 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does JFIN Rank in Credit Services?

Among 54 Credit Services stocks, JFIN ranks #1 by Quality of Company score. CirclFi's QOC score of 9.4/10 evaluates 32 fundamental signals. A score of 9.4 places JFIN in the top tier.

See all Most Undervalued Credit Services Stocks →

Within the Credit Services space, Jiayin Group Inc. competes in an environment where return on tangible equity often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is JFIN a Value Trap?

CirclFi's Value Trap algorithm assigns JFIN a score of 18/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for Jiayin Group Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Jiayin Group Inc. is rated at 9.4/10. This elite-tier score ranks among the highest-quality businesses in our coverage universe.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every JFIN valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across JFIN's 1 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Jiayin Group Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

9 related Credit Services stocks with 13-model coverage

SNTGSentage Holdings Inc.QOC 2.6MAMastercard IncorporatedQOC 9.1TROOTROOPS, Inc.QOC 2.7AXPAmerican Express CompanyQOC 9.1ANTAAntalpha Platform Holding CompaQOC 3.0VVisa Inc.QOC 9.0XYFX FinancialQOC 8.2CPSSConsumer Portfolio Services, Inc.QOC 7.5NAVINavient CorporationQOC 6.5

Read investment analysis: SNTG · MA · TROO · AXP · ANTA · V · XYF · CPSS · NAVI

Which Other Stocks Have a Similar Quality Score to JFIN?

7 companies across all industries closest to JFIN’s Quality of Company score of 9.4/10.

TTTrane Technologies plcQOC 9.4ADBEAdobe Inc.QOC 9.4EMEEMCOR Group, Inc.QOC 9.4LIILennox International Inc.QOC 9.4ONTOOnto Innovation Inc.QOC 9.4RNRRenaissanceRe Holdings Ltd.QOC 9.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: TT · ADBE · EME · LII · ONTO · RNR · NVDA

Where Does JFIN Sit in CirclFi's Credit Services Rankings?

JFIN is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Jiayin Group Inc.’s Valuation?

What is Jiayin Group Inc.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for Jiayin Group Inc. (JFIN). The Quality of Company score is 9.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is JFIN overvalued or undervalued right now?

At $2.17, 1 of 1 active models suggest JFIN may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits Jiayin Group Inc.'s business model in Credit Services.

What does a Quality of Company score of 9.4 mean for JFIN?

Jiayin Group Inc.'s QOC of 9.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on JFIN?

CirclFi analyzes JFIN with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is JFIN a value trap in 2026?

Jiayin Group Inc.'s Value Trap score is 18/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns Jiayin Group Inc. (JFIN) a Quality of Company score of 9.4/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/JFIN/ · Methodology
Primary sources for this JFIN valuation
  • Financial statements: Jiayin Group Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001743102) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for JFIN as of ; valuations recomputed .