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Jiayin GroupJFIN -1.72%71 Earnings Yield (Joel Greenblatt) % is 50.00% as of Mar. 2026, which is 12% below its 10-year median of 57.14. 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 549 Credit Services companies, Jiayin Group ranks better than 99.09% on this metric.
Jiayin Group's Enterprise Value for the quarter that ended in Mar. 2026 was $313.6 Mil.
Jiayin Group's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was $156.6 Mil. Jiayin Group's Earnings Yield (Joel Greenblatt) for the quarter that ended in Mar. 2026 was 50.00%.
The historical rank and industry rank for Jiayin Group's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
JFIN'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: 9.51 Med: 57.14 Max: 174.13
Current: 72.99
During the past 10 years, the highest Earnings Yield (Joel Greenblatt) of Jiayin Group was 174.13%. The lowest was 9.51%. And the median was 57.14%.
JFIN's Earnings Yield (Joel Greenblatt) % is ranked better than 99.09% of 549
companies
in the Credit Services industry
Industry Median: 0.91
vs JFIN: 72.99
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Jiayin Group's Forward Rate of Return (Yacktman) % for the quarter that ended in Mar. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Jiayin Group (NAS:JFIN) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Jiayin Group Earnings Yield (Joel Greenblatt) % Related Terms
Jiayin Group Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for Jiayin Group's Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % Chart
For the Credit Services subindustry, Jiayin Group's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Jiayin Group's Earnings Yield (Joel Greenblatt) % falls into.
Jiayin Group Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Jiayin Groups Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
Jiayin Group's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $156.6 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 50.00% mean?
Jiayin Group (JFIN) has a Earnings Yield (Joel Greenblatt) % of 50.00% as of Mar. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Jiayin Group and its competitors. This is 12% below median its historical median of 57.14. Over the past decade, Jiayin Group's Earnings Yield (Joel Greenblatt) % has ranged from 9.51 to 174.13. According to the industry distribution chart, Jiayin Group ranks #5 out of 549 companies in the Credit Services industry, placing it in the top 0.90000000000001%.
Is Jiayin Group's Earnings Yield (Joel Greenblatt) % too high?
Jiayin Group's current Earnings Yield (Joel Greenblatt) % of 50.00% is 12% below median its 10-year median of 57.14. Over the past 10 years, this metric has ranged from a low of 9.51 to a high of 174.13. The Credit Services industry median Earnings Yield (Joel Greenblatt) % is 0.91. Jiayin Group's value of 50.00% is 5394.5% above this industry median. Based on the distribution chart, Jiayin Group ranks #5 out of 549 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 Earnings Yield (Joel Greenblatt) % compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #5 out of 549 companies for Earnings Yield (Joel Greenblatt) %. This places Jiayin Group in the top 1% of its industry — outperforming the majority of peers. The industry median Earnings Yield (Joel Greenblatt) % is 0.91. Jiayin Group's value of 50.00% is 5394.5% above this benchmark. Historically, Jiayin Group's own Earnings Yield (Joel Greenblatt) % has ranged from 9.51 to 174.13 over the past decade. While the company's 10-year median is 57.14 vs. the industry median of 0.91, Jiayin Group has consistently been above 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 Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 0.91, based on 549 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current Earnings Yield (Joel Greenblatt) % of 50.00% is 5394.5% above 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 0.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current Earnings Yield (Joel Greenblatt) % is 50.00%, which is 12% below median its own 10-year median of 57.14. 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 $2.29 — trading 66% below its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 50.00%, which is 12% below median its 10-year median of 57.14 and 5394.5% above the Credit Services industry median of 0.91. 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 Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Earnings Yield (Joel Greenblatt) % is 50.00% 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 $2.29 is trading 66% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
Earnings Yield (Joel Greenblatt) %: 50.00% (12% below median its 10-year median of 57.14)
GF Value™: $6.73 vs. price of $2.29 (66% below fair value)
Industry Position: 5394.5% above the Credit Services median (#5 of 549)
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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