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Jiayin GroupJFIN -2.58%71 PEG Ratio is 0.02 as of Aug. 26, 2026, which is 67% below its 10-year median of 0.06. 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 237 Credit Services companies, Jiayin Group ranks better than 99.58% on this metric.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Jiayin Group's PEG Ratio or its related term are showing as below:
JFIN'
s PEG Ratio Range Over the Past 10 Years
Min: 0.02 Med: 0.06 Max: 0.46
Current: 0.02
During the past 10 years, Jiayin Group's highest PEG Ratio was 0.46. The lowest was 0.02. And the median was 0.06.
JFIN's PEG Ratio is ranked better than 99.58% of 237
companies
in the Credit Services industry
Industry Median: 0.84
vs JFIN: 0.02
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Jiayin Group PEG Ratio Related Terms
Jiayin Group PEG Ratio Historical Data
* Premium members only.
The historical data trend for Jiayin Group's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Jiayin Group's PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Jiayin Group (JFIN) has a PEG Ratio of 0.02 as of Aug. 26, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Jiayin Group and its competitors. This is 67% below median its historical median of 0.06. Over the past decade, Jiayin Group's PEG Ratio has ranged from 0.02 to 0.46. According to the industry distribution chart, Jiayin Group ranks #1 out of 237 companies in the Credit Services industry, placing it in the top 0.40000000000001%.
Is Jiayin Group's PEG Ratio too high?
Jiayin Group's current PEG Ratio of 0.02 is 67% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.46. The Credit Services industry median PEG Ratio is 0.84. Jiayin Group's value of 0.02 is 97.6% below this industry median. Based on the distribution chart, Jiayin Group ranks #1 out of 237 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 PEG Ratio compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #1 out of 237 companies for PEG Ratio. This places Jiayin Group in the top 0% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 0.84. Jiayin Group's value of 0.02 is 97.6% below this benchmark. Historically, Jiayin Group's own PEG Ratio has ranged from 0.02 to 0.46 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.84, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.84, based on 237 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current PEG Ratio of 0.02 is 97.6% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median PEG Ratio is 0.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current PEG Ratio is 0.02, which is 67% below median its own 10-year median of 0.06. 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 $2.27 — trading 66.3% below its estimated fair value. The current PEG Ratio is 0.02, which is 67% below median its 10-year median of 0.06 and 97.6% below the Credit Services industry median of 0.84. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Jiayin Group (JFIN), the current PEG Ratio is 0.02 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 $2.27 is trading 66.3% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
PEG Ratio: 0.02 (67% below median its 10-year median of 0.06)
GF Value™: $6.73 vs. price of $2.27 (66.3% below fair value)
Industry Position: 97.6% below the Credit Services median (#1 of 237)
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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