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Jiayin GroupJFIN +1.29%71 Interest Coverage is 0 (At Loss) as of Mar. 2026. 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 164 Credit Services companies, Jiayin Group ranks better than 62.2% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Jiayin Group's
Operating Income
for the
three
months ended in Mar. 2026 was $-10.2 Mil. Jiayin Group's Interest Expense for the
three
months ended in Mar. 2026 was $-0.1 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Jiayin Group's Interest Coverage or its related term are showing as below:
JFIN'
s Interest Coverage Range Over the Past 10 Years
Min: 387.53 Med: No Debt Max: No Debt
Current: 1384.27
JFIN's Interest Coverage is ranked better than 62.2% of 164
companies
in the Credit Services industry
Industry Median: 55.32
vs JFIN: 1384.27
Jiayin Group (NAS:JFIN) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Jiayin Group Interest Coverage Related Terms
Jiayin Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Jiayin Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
JFIN vs YRD, ANTA, SUIG: Interest Coverage Comparison
For the Credit Services subindustry, Jiayin Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Jiayin Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Jiayin Group did not have earnings to cover the interest expense.
* 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.
What does a Interest Coverage of 0 (At Loss) mean?
Jiayin Group (JFIN) has a Interest Coverage of 0 (At Loss) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Jiayin Group and its competitors. Over the past decade, Jiayin Group's Interest Coverage has ranged from 387.53 to 10,000.00. According to the industry distribution chart, Jiayin Group ranks #62 out of 164 companies in the Credit Services industry, placing it in the top 37.8%.
Is Jiayin Group's Interest Coverage too high?
Jiayin Group's current Interest Coverage is 0 (At Loss). Over the past 10 years, this metric has ranged from a low of 387.53 to a high of 10,000.00. Based on the distribution chart, Jiayin Group ranks #62 out of 164 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 Interest Coverage compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #62 out of 164 companies for Interest Coverage. This puts Jiayin Group in the upper half of its industry. The industry median Interest Coverage is 55.32. Historically, Jiayin Group's own Interest Coverage has ranged from 387.53 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 55.32, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median Interest Coverage is 55.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current Interest Coverage is 0 (At Loss). 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 $2.36 — trading 64.9% below its estimated fair value. The current Interest Coverage is 0 (At Loss). 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Interest Coverage is 0 (At Loss) 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 $2.36 is trading 64.9% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
Interest Coverage: 0 (At Loss)
GF Value™: $6.73 vs. price of $2.36 (64.9% below fair value)
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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