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Jiayin GroupJFIN -1.29%71 Gross Margin % is 56.18% as of Mar. 2026, which is 31% below its 10-year median of 81.03. 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 390 Credit Services companies, Jiayin Group ranks better than 78.21% on this metric.
Jiayin Group (NAS:JFIN) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Jiayin Group had a gross margin of 56.18% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Jiayin Group Gross Margin % Related Terms
Jiayin Group Gross Margin % Historical Data
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The historical data trend for Jiayin Group's Gross Margin % 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: Gross Margin % Comparison
For the Credit Services subindustry, Jiayin Group's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Jiayin Group's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Jiayin Group (JFIN) has a Gross Margin % of 56.18% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Jiayin Group and its competitors. This is 31% below median its historical median of 81.03. Over the past decade, Jiayin Group's Gross Margin % has ranged from 63.20 to 89.81. According to the industry distribution chart, Jiayin Group ranks #85 out of 390 companies in the Credit Services industry, placing it in the top 21.8%.
Is Jiayin Group's Gross Margin % too high?
Jiayin Group's current Gross Margin % of 56.18% is 31% below median its 10-year median of 81.03. Over the past 10 years, this metric has ranged from a low of 63.20 to a high of 89.81. The Credit Services industry median Gross Margin % is 51.16. Jiayin Group's value of 56.18% is 9.8% above this industry median. Based on the distribution chart, Jiayin Group ranks #85 out of 390 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 Gross Margin % compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #85 out of 390 companies for Gross Margin %. This places Jiayin Group in the top 22% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.16. Jiayin Group's value of 56.18% is 9.8% above this benchmark. Historically, Jiayin Group's own Gross Margin % has ranged from 63.20 to 89.81 over the past decade. While the company's 10-year median is 81.03 vs. the industry median of 51.16, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.16, based on 390 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current Gross Margin % of 56.18% is 9.8% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median Gross Margin % is 51.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current Gross Margin % is 56.18%, which is 31% below median its own 10-year median of 81.03. 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 Gross Margin % is 56.18%, which is 31% below median its 10-year median of 81.03 and 9.8% above the Credit Services industry median of 51.16. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Gross Margin % is 56.18% 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:
Gross Margin %: 56.18% (31% below median its 10-year median of 81.03)
GF Value™: $6.73 vs. price of $2.30 (65.8% below fair value)
Industry Position: 9.8% above the Credit Services median (#85 of 390)
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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