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Jiayin GroupJFIN -1.72%71 Operating Margin % is -9.26% 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 417 Credit Services companies, Jiayin Group ranks better than 52.52% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. Jiayin Group's Operating Income for the
three
months ended in Mar. 2026 was $-10.2 Mil. Jiayin Group's Revenue for the
three
months ended in Mar. 2026 was $109.8 Mil. Therefore, Jiayin Group's Operating Margin % for the quarter that ended in Mar. 2026 was -9.26%.
Good Sign:
Jiayin Group Inc operating margin is expanding. Margin expansion is usually a good sign.
The historical rank and industry rank for Jiayin Group's Operating Margin % or its related term are showing as below:
JFIN'
s Operating Margin % Range Over the Past 10 Years
Min: -86.75 Med: 24.12 Max: 36.13
Current: 21.32
JFIN's Operating Margin % is ranked better than 52.52% of 417
companies
in the Credit Services industry
Industry Median: 19.66
vs JFIN: 21.32
Jiayin Group's 5-Year Average Operating Margin % Growth Rate was 1.00% per year.
Jiayin Group's Operating Income for the
three
months ended in Mar. 2026 was $-10.2 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was $156.4 Mil.
Jiayin Group (NAS:JFIN) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Jiayin Group Operating Margin % Related Terms
Jiayin Group Operating Margin % Historical Data
* Premium members only.
The historical data trend for Jiayin Group's Operating 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: Operating Margin % Comparison
For the Credit Services subindustry, Jiayin Group's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Jiayin Group's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Jiayin Group's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (JFIN) has a Operating Margin % of -9.26% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Jiayin Group and its competitors. According to the industry distribution chart, Jiayin Group ranks #198 out of 417 companies in the Credit Services industry, placing it in the top 47.5%.
Is Jiayin Group's Operating Margin % too high?
Jiayin Group's current Operating Margin % is -9.26%. Based on the distribution chart, Jiayin Group ranks #198 out of 417 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 Operating Margin % compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #198 out of 417 companies for Operating Margin %. This puts Jiayin Group in the upper half of its industry. The industry median Operating Margin % is 19.66. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 19.66, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median Operating Margin % is 19.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current Operating Margin % is -9.26%. 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 $2.29 — trading 66% below its estimated fair value. The current Operating Margin % is -9.26%. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Operating Margin % is -9.26% 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 $2.29 is trading 66% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
Operating Margin %: -9.26%
GF Value™: $6.73 vs. price of $2.29 (66% 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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Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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