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Jiayin GroupJFIN +0.43%71 Debt-to-Equity is 0.16 as of Mar. 2026, which is 1500% above its 10-year median of 0.01. 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 455 Credit Services companies, Jiayin Group ranks better than 82.64% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Jiayin Group's Debt-to-Equity or its related term are showing as below:
JFIN'
s Debt-to-Equity Range Over the Past 10 Years
Min: -0.4 Med: 0.01 Max: 1.27
Current: 0.16
During the past 10 years, the highest Debt-to-Equity Ratio of Jiayin Group was 1.27. The lowest was -0.40. And the median was 0.01.
JFIN's Debt-to-Equity is ranked better than 82.64% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs JFIN: 0.16
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Jiayin Group Debt-to-Equity Related Terms
Jiayin Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Jiayin Group's Debt-to-Equity 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-Equity Comparison
For the Credit Services subindustry, Jiayin Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Jiayin Group's Debt-to-Equity 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 Debt-to-Equity of 0.16 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Jiayin Group and its competitors. This is 1500% above median its historical median of 0.01. According to the industry distribution chart, Jiayin Group ranks #79 out of 455 companies in the Credit Services industry, placing it in the top 17.4%.
Is Jiayin Group's Debt-to-Equity too high?
Jiayin Group's current Debt-to-Equity of 0.16 is 1500% above median its 10-year median of 0.01. The Credit Services industry median Debt-to-Equity is 1.23. Jiayin Group's value of 0.16 is 87% below this industry median. Based on the distribution chart, Jiayin Group ranks #79 out of 455 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-Equity compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #79 out of 455 companies for Debt-to-Equity. This places Jiayin Group in the top 17% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 1.23. Jiayin Group's value of 0.16 is 87% below this benchmark. While the company's 10-year median is 0.01 vs. the industry median of 1.23, 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current Debt-to-Equity of 0.16 is 87% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current Debt-to-Equity is 0.16, which is 1500% above median its own 10-year median of 0.01. 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 $2.33 — trading 65.4% below its estimated fair value. The current Debt-to-Equity is 0.16, which is 1500% above median its 10-year median of 0.01 and 87% below the Credit Services industry median of 1.23. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Debt-to-Equity is 0.16 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 $2.33 is trading 65.4% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
Debt-to-Equity: 0.16 (1500% above median its 10-year median of 0.01)
GF Value™: $6.73 vs. price of $2.33 (65.4% below fair value)
Industry Position: 87% below the Credit Services median (#79 of 455)
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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