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Jiayin GroupJFIN +0.43%71 Net Current Asset Value is $6.89 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 276 Credit Services companies, Jiayin Group ranks better than 92.03% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
Jiayin Group's net current asset value per share for the quarter that ended in Mar. 2026 was $6.89.
The historical rank and industry rank for Jiayin Group's Net Current Asset Value or its related term are showing as below:
JFIN'
s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 0.34 Med: 1.15 Max: 3.73
Current: 0.34
During the past 10 years, the highest Price-to-Net-Current-Asset-Value Ratio of Jiayin Group was 3.73. The lowest was 0.34. And the median was 1.15.
JFIN's Price-to-Net-Current-Asset-Value is ranked better than 92.03% of 276
companies
in the Credit Services industry
Industry Median: 2.05
vs JFIN: 0.34
Jiayin Group (NAS:JFIN) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Jiayin Group Net Current Asset Value Related Terms
Jiayin Group Net Current Asset Value Historical Data
* Premium members only.
The historical data trend for Jiayin Group's Net Current Asset Value 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: Net Current Asset Value Comparison
For the Credit Services subindustry, Jiayin Group's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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 Price-to-Net-Current-Asset-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Jiayin Group's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of $6.89 mean?
Jiayin Group (JFIN) has a Net Current Asset Value of $6.89 as of Mar. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Jiayin Group and its competitors. According to the industry distribution chart, Jiayin Group ranks #22 out of 276 companies in the Credit Services industry, placing it in the top 8%.
Is Jiayin Group's Net Current Asset Value too high?
Jiayin Group's current Net Current Asset Value is $6.89. The Credit Services industry median Net Current Asset Value is 2.05. Jiayin Group's value of $6.89 is 236.1% above this industry median. Based on the distribution chart, Jiayin Group ranks #22 out of 276 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 Net Current Asset Value compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #22 out of 276 companies for Net Current Asset Value. This places Jiayin Group in the top 8% of its industry — outperforming the majority of peers. The industry median Net Current Asset Value is 2.05. Jiayin Group's value of $6.89 is 236.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for a Credit Services company?
The median Net Current Asset Value among Credit Services companies is 2.05, based on 276 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current Net Current Asset Value of $6.89 is 236.1% 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 Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median Net Current Asset Value is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current Net Current Asset Value is $6.89. 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 Net Current Asset Value is $6.89 and 236.1% above the Credit Services industry median of 2.05. 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 Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Net Current Asset Value is $6.89 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 $2.33 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:
Net Current Asset Value: $6.89
GF Value™: $6.73 vs. price of $2.33 (65.4% below fair value)
Industry Position: 236.1% above the Credit Services median (#22 of 276)
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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Net Current Asset Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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