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Jiayin GroupJFIN -2.15%71 Cash Ratio is 0.01 as of Mar. 2026, which is 92% below its 10-year median of 0.13. GuruFocus rates JFIN with a GF Score™ of 71/100 and a GF Value™ of $6.73 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 391 Credit Services companies, Jiayin Group ranks worse than 97.44% on this metric.
Jiayin Group has a Cash Ratio of 0.01. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Jiayin Group's Cash Ratio or its related term are showing as below:
JFIN'
s Cash Ratio Range Over the Past 10 Years
Min: 0.01 Med: 0.13 Max: 0.39
Current: 0.01
During the past 10 years, Jiayin Group's highest Cash Ratio was 0.39. The lowest was 0.01. And the median was 0.13.
JFIN's Cash Ratio is ranked worse than 97.44% of 391
companies
in the Credit Services industry
Industry Median: 0.54
vs JFIN: 0.01
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Jiayin Group Cash Ratio Related Terms
Jiayin Group Cash Ratio Historical Data
* Premium members only.
The historical data trend for Jiayin Group's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Jiayin Group's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Jiayin Group Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Jiayin Group's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Jiayin Group (JFIN) has a Cash Ratio of 0.01 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Jiayin Group and its competitors. This is 92% below median its historical median of 0.13. Over the past decade, Jiayin Group's Cash Ratio has ranged from 0.01 to 0.39. According to the industry distribution chart, Jiayin Group ranks #381 out of 391 companies in the Credit Services industry, placing it in the top 97.4%.
Is Jiayin Group's Cash Ratio too high?
Jiayin Group's current Cash Ratio of 0.01 is 92% below median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.39. The Credit Services industry median Cash Ratio is 0.54. Jiayin Group's value of 0.01 is 98.1% below this industry median. Based on the distribution chart, Jiayin Group ranks #381 out of 391 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Jiayin Group has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Jiayin Group's Cash Ratio compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #381 out of 391 companies for Cash Ratio. This places Jiayin Group in the lower half of its industry. The industry median Cash Ratio is 0.54. Jiayin Group's value of 0.01 is 98.1% below this benchmark. Historically, Jiayin Group's own Cash Ratio has ranged from 0.01 to 0.39 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.54, Jiayin Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.54, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current Cash Ratio of 0.01 is 98.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median Cash Ratio is 0.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current Cash Ratio is 0.01, which is 92% below median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jiayin Group stock overvalued right now?
Based on GuruFocus' analysis, Jiayin Group (JFIN) is currently considered Possible Value Trap. The stock's GF Value™ is $6.73, compared to a current price of $2.28 — trading 66.1% below its estimated fair value. The current Cash Ratio is 0.01, which is 92% below median its 10-year median of 0.13 and 98.1% below the Credit Services industry median of 0.54. Jiayin Group's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Cash Ratio is 0.01 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Jiayin Group (JFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Jiayin Group stock appears to be undervalued.
The current stock price of $2.28 is trading 66.1% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
Cash Ratio: 0.01 (92% below median its 10-year median of 0.13)
GF Value™: $6.73 vs. price of $2.28 (66.1% below fair value)
Industry Position: 98.1% below the Credit Services median (#381 of 391)
No single metric tells the full story. See the JFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jiayin Group Inc is China's technology service group. It is an enterprise engaged in technological innovation services. It is committed to using big data, cloud computing, artificial intelligence and other technologies to connect consumers and financial institutions in consumption scenarios so that every user can enjoy efficient and convenient technology services. The company has engraved technological innovation into the company's development genes since its establishment, adheres to the dual drive of digital plus technology, and focuses on building a cloud service platform and intelligent risk control system with big data drive as the core concept.
71GF Score
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