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Jiayin GroupJFIN -1.29%71 3-Year EBITDA Growth Rate is 16.90% as of Mar. 2026, which is 26% below its 10-year median of 22.70. 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 324 Credit Services companies, Jiayin Group ranks better than 59.88% on this metric.
During the past 12 months, Jiayin Group's average EBITDA Per Share Growth Rate was -24.80% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 16.90% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 38.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 10 years, the highest 3-Year average EBITDA Per Share Growth Rate of Jiayin Group was 56.20% per year. The lowest was -22.20% per year. And the median was 22.70% per year.
Jiayin Group (NAS:JFIN) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Jiayin Group 3-Year EBITDA Growth Rate Related Terms
JFIN vs YRD, ANTA, SUIG: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Jiayin Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Jiayin Group's 3-Year EBITDA Growth Rate falls into.
Jiayin Group 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 16.90% mean?
Jiayin Group (JFIN) has a 3-Year EBITDA Growth Rate of 16.90% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Jiayin Group and its competitors. This is 26% below median its historical median of 22.70. According to the industry distribution chart, Jiayin Group ranks #130 out of 324 companies in the Credit Services industry, placing it in the top 40.1%.
Is Jiayin Group's 3-Year EBITDA Growth Rate too high?
Jiayin Group's current 3-Year EBITDA Growth Rate of 16.90% is 26% below median its 10-year median of 22.70. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.30. Jiayin Group's value of 16.90% is 81.7% above this industry median. Based on the distribution chart, Jiayin Group ranks #130 out of 324 companies in the Credit Services industry, which is above the industry midpoint. 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 3-Year EBITDA Growth Rate compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #130 out of 324 companies for 3-Year EBITDA Growth Rate. This puts Jiayin Group in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.30. Jiayin Group's value of 16.90% is 81.7% above this benchmark. While the company's 10-year median is 22.70 vs. the industry median of 9.30, 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.30, based on 324 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current 3-Year EBITDA Growth Rate of 16.90% is 81.7% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Jiayin Group and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current 3-Year EBITDA Growth Rate is 16.90%, which is 26% below median its own 10-year median of 22.70. 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 65.8% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 16.90%, which is 26% below median its 10-year median of 22.70 and 81.7% above the Credit Services industry median of 9.30. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Jiayin Group (JFIN), the current 3-Year EBITDA Growth Rate is 16.90% 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 65.8% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
3-Year EBITDA Growth Rate: 16.90% (26% below median its 10-year median of 22.70)
GF Value™: $6.73 vs. price of $2.30 (65.8% below fair value)
Industry Position: 81.7% above the Credit Services median (#130 of 324)
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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