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Jiayin GroupJFIN +0.43%71 PB Ratio is 0.19 as of Aug. 26, 2026, which is 81% below its 10-year median of 1.01. 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 527 Credit Services companies, Jiayin Group ranks better than 95.64% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-26), Jiayin Group's share price is $2.33. Jiayin Group's Book Value per Share for the quarter that ended in Mar. 2026 was $12.12. Hence, Jiayin Group's PB Ratio of today is 0.19.
Good Sign:
Jiayin Group Inc stock PB Ratio (=0.19) is close to 5-year low of 0.18.
The historical rank and industry rank for Jiayin Group's PB Ratio or its related term are showing as below:
JFIN'
s PB Ratio Range Over the Past 10 Years
Min: 0.18 Med: 1.01 Max: 35.06
Current: 0.19
During the past 10 years, Jiayin Group's highest PB Ratio was 35.06. The lowest was 0.18. And the median was 1.01.
JFIN's PB Ratio is ranked better than 95.64% of 527
companies
in the Credit Services industry
Industry Median: 1.06
vs JFIN: 0.19
During the past 12 months, Jiayin Group's average Book Value Per Share Growth Rate was 27.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 53.30% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Jiayin Group was 363.30% per year. The lowest was 34.30% per year. And the median was 45.65% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Jiayin Group PB Ratio Related Terms
Jiayin Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Jiayin Group's PB Ratio 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.
For the Credit Services subindustry, Jiayin Group's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Jiayin Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Jiayin Group's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Jiayin Group (JFIN) has a PB Ratio of 0.19 as of Aug. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jiayin Group and its competitors. This is 81% below median its historical median of 1.01. Over the past decade, Jiayin Group's PB Ratio has ranged from 0.18 to 35.06. According to the industry distribution chart, Jiayin Group ranks #23 out of 527 companies in the Credit Services industry, placing it in the top 4.4%.
Is Jiayin Group's PB Ratio too high?
Jiayin Group's current PB Ratio of 0.19 is 81% below median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 35.06. The Credit Services industry median PB Ratio is 1.06. Jiayin Group's value of 0.19 is 82.1% below this industry median. Based on the distribution chart, Jiayin Group ranks #23 out of 527 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 PB Ratio compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #23 out of 527 companies for PB Ratio. This places Jiayin Group in the top 4% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.06. Jiayin Group's value of 0.19 is 82.1% below this benchmark. Historically, Jiayin Group's own PB Ratio has ranged from 0.18 to 35.06 over the past decade. While the company's 10-year median is 1.01 vs. the industry median of 1.06, Jiayin Group has consistently been below 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current PB Ratio of 0.19 is 82.1% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current PB Ratio is 0.19, which is 81% below median its own 10-year median of 1.01. 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 PB Ratio is 0.19, which is 81% below median its 10-year median of 1.01 and 82.1% below the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Jiayin Group (JFIN), the current PB Ratio is 0.19 as of Aug. 26, 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:
PB Ratio: 0.19 (81% below median its 10-year median of 1.01)
GF Value™: $6.73 vs. price of $2.33 (65.4% below fair value)
Industry Position: 82.1% below the Credit Services median (#23 of 527)
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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