JFIN (Jiayin Group) Debt-to-Asset : 0.07 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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JFIN Jiayin Group Inc JFIN
72 GF Score
Price $1.54
GF Value $4.91
Valuation Possible Value Trap
! 7 Warning Signs
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What is Jiayin Group Debt-to-Asset?

Jiayin Group JFIN +1.31% 72 Debt-to-Asset is 0.07 as of Jun. 2026. GuruFocus rates JFIN with a GF Score™ of 72/100 and a GF Value™ of $4.91 (Possible Value Trap). The stock has 7 warning signs investors should review.

Jiayin Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $23.9 Mil. Jiayin Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $70.1 Mil. Jiayin Group's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $1,266.0 Mil. Jiayin Group's debt to asset for the quarter that ended in Jun. 2026 was 0.07.

Jiayin Group  (NAS:JFIN) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Jiayin Group Debt-to-Asset Related Terms

Jiayin Group Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Jiayin Group's Debt-to-Asset 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.

Jiayin Group Debt-to-Asset Chart

Jiayin Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.04 0.01 0.01 0.01 0.08

Jiayin Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.01 0.01 0.08 0.08 0.07

JFIN vs YRD, ANTA, SUIG: Debt-to-Asset Comparison

For the Credit Services subindustry, Jiayin Group's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Jiayin Group's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Jiayin Group's Debt-to-Asset falls into.


JFIN
72GF Score
Jiayin Group Inc JFIN
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Jiayin Group Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Jiayin Group's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(25.604 + 73.872) / 1243.18
=0.08

Jiayin Group's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(23.926 + 70.069) / 1266.004
=0.07

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.07 mean?
Jiayin Group (JFIN) has a Debt-to-Asset of 0.07 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Jiayin Group and its competitors.
Is Jiayin Group's Debt-to-Asset too high?
Jiayin Group's current Debt-to-Asset is 0.07. Overall, Jiayin Group has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Jiayin Group's Debt-to-Asset compare to YRD and ANTA?
Jiayin Group's Debt-to-Asset of 0.07 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Credit Services company?
A good Debt-to-Asset depends on the Credit Services industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Jiayin Group and its competitors. Jiayin Group's current Debt-to-Asset is 0.07. 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 $4.91, compared to a current price of $1.54 — trading 68.6% below its estimated fair value. The current Debt-to-Asset is 0.07. Jiayin Group's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Debt-to-Asset is 0.07 as of Jun. 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 $1.54 is trading 68.6% below its estimated GF Value™ of $4.91. GuruFocus considers Jiayin Group to be Possible Value Trap.

Key valuation signals for JFIN:

  • Debt-to-Asset: 0.07
  • GF Value™: $4.91 vs. price of $1.54 (68.6% below fair value)
  • GF Score™: 72/100 with 7 warning signs

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 Business Description

Address No. 428 South Yanggao Road, Room 26F, 18th Floor, Building No. 1, Youyou Century Plaza, Pudong New Area, Shanghai, CHN, 200122
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.
72GF Score

Get the complete analysis for JFIN

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.54
Price
$4.91
GF Value