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.
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.
Jiayin GroupJFIN +1.09%71 Return-on-Tangible-Equity is -5.66% 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 530 Credit Services companies, Jiayin Group ranks better than 86.6% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Jiayin Group's annualized net income for the quarter that ended in Mar. 2026 was $-35.8 Mil. Jiayin Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $631.9 Mil. Therefore, Jiayin Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was -5.66%.
The historical rank and industry rank for Jiayin Group's Return-on-Tangible-Equity or its related term are showing as below:
JFIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 22.37 Med: 56.09 Max: 185.25
Current: 22.37
During the past 10 years, Jiayin Group's highest Return-on-Tangible-Equity was 185.25%. The lowest was 22.37%. And the median was 56.09%.
JFIN's Return-on-Tangible-Equity is ranked better than 86.6% of 530
companies
in the Credit Services industry
Industry Median: 7.26
vs JFIN: 22.37
Jiayin Group (NAS:JFIN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Jiayin Group Return-on-Tangible-Equity Related Terms
Jiayin Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Jiayin Group's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Jiayin Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Jiayin Group's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of -5.66% mean?
Jiayin Group (JFIN) has a Return-on-Tangible-Equity of -5.66% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jiayin Group and its competitors. Over the past decade, Jiayin Group's Return-on-Tangible-Equity has ranged from 22.37 to 185.25. According to the industry distribution chart, Jiayin Group ranks #71 out of 530 companies in the Credit Services industry, placing it in the top 13.4%.
Is Jiayin Group's Return-on-Tangible-Equity too high?
Jiayin Group's current Return-on-Tangible-Equity is -5.66%. Over the past 10 years, this metric has ranged from a low of 22.37 to a high of 185.25. Based on the distribution chart, Jiayin Group ranks #71 out of 530 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 Return-on-Tangible-Equity compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #71 out of 530 companies for Return-on-Tangible-Equity. This places Jiayin Group in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.26. Historically, Jiayin Group's own Return-on-Tangible-Equity has ranged from 22.37 to 185.25 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.26, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current Return-on-Tangible-Equity is -5.66%. 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 $2.36 — trading 65% below its estimated fair value. The current Return-on-Tangible-Equity is -5.66%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Jiayin Group (JFIN), the current Return-on-Tangible-Equity is -5.66% 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 $2.36 is trading 65% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
Return-on-Tangible-Equity: -5.66%
GF Value™: $6.73 vs. price of $2.36 (65% 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
Get the complete analysis for JFIN
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JFIN has been successfully added to your 
