JFIN (Jiayin Group) Margin of Safety % (DCF Dividends Based): N/A (As of Aug. 26, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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 $2.30
GF Value $6.73
Valuation Possible Value Trap
! 6 Warning Signs
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What is Jiayin Group Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

Jiayin Group's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

JFIN vs YRD, ANTA, SUIG: Margin of Safety % (DCF Dividends Based) Comparison

For the Credit Services subindustry, Jiayin Group's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Jiayin Group's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Jiayin Group's Margin of Safety % (DCF Dividends Based) falls into.


JFIN
71GF Score
Jiayin Group Inc JFIN
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: $6.73 vs. price of $2.30 (65.8% 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

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.30
Price
$6.73
GF Value