JFIN (Jiayin Group) EV-to-OCF: (As of Aug. 26, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

JFIN Jiayin Group Inc JFIN
71 GF Score
Price $2.36
GF Value $6.73
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is Jiayin Group EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Jiayin Group's Enterprise Value is $217.6 Mil. Jiayin Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $0.0 Mil. Therefore, Jiayin Group's EV-to-OCF for today is .

The historical rank and industry rank for Jiayin Group's EV-to-OCF or its related term are showing as below:

JFIN' s EV-to-OCF Range Over the Past 10 Years
Min: 1.21   Med: 0   Max: 1.22
Current: 1.22

During the past 10 years, the highest EV-to-OCF of Jiayin Group was 1.22. The lowest was 1.21. And the median was .

JFIN's EV-to-OCF is ranked worse than
53.75% of 547 companies
in the Credit Services industry
Industry Median: -0.22 vs JFIN: 1.22

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-26), Jiayin Group's stock price is $2.3553. Jiayin Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.508. Therefore, Jiayin Group's PE Ratio (TTM) for today is 0.94.


Jiayin Group  (NAS:JFIN) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Jiayin Group's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=2.3553/2.508
=0.94

Jiayin Group's share price for today is $2.3553.
Jiayin Group's Earnings per Share (Diluted) 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 $2.508.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Jiayin Group EV-to-OCF Related Terms


Jiayin Group EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Jiayin Group's EV-to-OCF 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 EV-to-OCF Chart

Jiayin Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.29 4.43 4.20 1.39 2.21

Jiayin Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-OCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 2.21 0.00

JFIN vs YRD, ANTA, SUIG: EV-to-OCF Comparison

For the Credit Services subindustry, Jiayin Group's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Jiayin Group's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Jiayin Group's EV-to-OCF falls into.


JFIN
71GF Score
Jiayin Group Inc JFIN
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jiayin Group EV-to-OCF Calculation

Jiayin Group's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=217.640/0
=

Jiayin Group's current Enterprise Value is $217.6 Mil.
Jiayin Group's Cash Flow from Operations 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 $0.0 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.

Is Jiayin Group (JFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Jiayin Group stock appears to be undervalued. The current stock price of $2.36 is trading 65% below its estimated GF Value™ of $6.73. GuruFocus considers Jiayin Group to be Possible Value Trap.

Key valuation signals for JFIN:

  • EV-to-OCF:
  • GF Value™: $6.73 vs. price of $2.36 (65% below fair value)
  • GF Score™: 71/100 with 6 warning signs

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 Business Description

Address No. 428 South Yanggao Road, Room 26F, 18th Floor, Building No. 1, Youyou Century Plaza, Pudong New Area, Shanghai, CHN, 200122
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

Get the complete analysis for JFIN

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.36
Price
$6.73
GF Value