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Jiayin GroupJFIN -1.50%71 Debt-to-EBITDA is -2.53 as of Mar. 2026. 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 284 Credit Services companies, Jiayin Group ranks better than 87.32% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Jiayin Group's Debt-to-EBITDA or its related term are showing as below:
JFIN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.02 Med: 0.04 Max: 0.64
Current: 0.64
During the past 10 years, the highest Debt-to-EBITDA Ratio of Jiayin Group was 0.64. The lowest was 0.02. And the median was 0.04.
JFIN's Debt-to-EBITDA is ranked better than 87.32% of 284
companies
in the Credit Services industry
Industry Median: 8.63
vs JFIN: 0.64
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Jiayin Group Debt-to-EBITDA Related Terms
Jiayin Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Jiayin Group's Debt-to-EBITDA 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.
JFIN vs YRD, ANTA, SUIG: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Jiayin Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Jiayin Group's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Jiayin Group (JFIN) has a Debt-to-EBITDA of -2.53 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Jiayin Group. Over the past decade, Jiayin Group's Debt-to-EBITDA has ranged from 0.02 to 0.64. According to the industry distribution chart, Jiayin Group ranks #36 out of 284 companies in the Credit Services industry, placing it in the top 12.7%.
Is Jiayin Group's Debt-to-EBITDA too high?
Jiayin Group's current Debt-to-EBITDA is -2.53. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.64. Based on the distribution chart, Jiayin Group ranks #36 out of 284 companies in the Credit Services industry, which is in the top quartile — a strong position 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 Debt-to-EBITDA compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #36 out of 284 companies for Debt-to-EBITDA. This places Jiayin Group in the top 13% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 8.63. Historically, Jiayin Group's own Debt-to-EBITDA has ranged from 0.02 to 0.64 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.63, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA 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-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Jiayin Group. For the Credit Services industry, the median Debt-to-EBITDA is 8.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current Debt-to-EBITDA is -2.53. 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 $2.30 — trading 65.9% below its estimated fair value. The current Debt-to-EBITDA is -2.53. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Debt-to-EBITDA is -2.53 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 $2.30 is trading 65.9% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
Debt-to-EBITDA: -2.53
GF Value™: $6.73 vs. price of $2.30 (65.9% below fair value)
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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