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Jiayin GroupJFIN +0.43%71 EV-to-EBIT is 1.38 as of Aug. 26, 2026, which is 21% below its 10-year median of 1.75. 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 314 Credit Services companies, Jiayin Group ranks better than 94.9% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
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 adds up the quarterly data reported by the company within the most recent 12 months, which was $156.6 Mil.
* 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 EV-to-EBIT Related Terms
Jiayin Group EV-to-EBIT Historical Data
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The historical data trend for Jiayin Group's EV-to-EBIT 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.
For the Credit Services subindustry, Jiayin Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Jiayin Group's EV-to-EBIT falls into.
Jiayin Group's current Enterprise Value is $216.3 Mil.
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.
* 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 EV-to-EBIT of 1.38 as of Aug. 26, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Jiayin Group and its competitors. This is 21% below median its historical median of 1.75. Over the past decade, Jiayin Group's EV-to-EBIT has ranged from 0.57 to 10.51. According to the industry distribution chart, Jiayin Group ranks #16 out of 314 companies in the Credit Services industry, placing it in the top 5.1%.
Is Jiayin Group's EV-to-EBIT too high?
Jiayin Group's current EV-to-EBIT of 1.38 is 21% below median its 10-year median of 1.75. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 10.51. The Credit Services industry median EV-to-EBIT is 22.23. Jiayin Group's value of 1.38 is 93.8% below this industry median. Based on the distribution chart, Jiayin Group ranks #16 out of 314 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 EV-to-EBIT compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #16 out of 314 companies for EV-to-EBIT. This places Jiayin Group in the top 5% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 22.23. Jiayin Group's value of 1.38 is 93.8% below this benchmark. Historically, Jiayin Group's own EV-to-EBIT has ranged from 0.57 to 10.51 over the past decade. While the company's 10-year median is 1.75 vs. the industry median of 22.23, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.23, based on 314 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current EV-to-EBIT of 1.38 is 93.8% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current EV-to-EBIT is 1.38, which is 21% below median its own 10-year median of 1.75. 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 EV-to-EBIT is 1.38, which is 21% below median its 10-year median of 1.75 and 93.8% below the Credit Services industry median of 22.23. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Jiayin Group (JFIN), the current EV-to-EBIT is 1.38 as of Aug. 26, 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:
EV-to-EBIT: 1.38 (21% below median its 10-year median of 1.75)
GF Value™: $6.73 vs. price of $2.33 (65.4% below fair value)
Industry Position: 93.8% below the Credit Services median (#16 of 314)
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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