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Jiayin GroupJFIN +1.09%71 ROC (Joel Greenblatt) % is -7.96% 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 420 Credit Services companies, Jiayin Group ranks better than 50% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Jiayin Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was -7.96%.
The historical rank and industry rank for Jiayin Group's ROC (Joel Greenblatt) % or its related term are showing as below:
JFIN'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -9500.77 Med: 814.89 Max: 4733.95
Current: 32.21
During the past 10 years, Jiayin Group's highest ROC (Joel Greenblatt) % was 4733.95%. The lowest was -9500.77%. And the median was 814.89%.
JFIN's ROC (Joel Greenblatt) % is ranked better than 50% of 420
companies
in the Credit Services industry
Industry Median: 32.21
vs JFIN: 32.21
Jiayin Group's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was -39.70% per year.
Jiayin Group (NAS:JFIN) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Jiayin Group ROC (Joel Greenblatt) % Related Terms
Jiayin Group ROC (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Jiayin Group's ROC (Joel Greenblatt) % 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: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Jiayin Group's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Jiayin Group's ROC (Joel Greenblatt) % falls into.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.
* 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 ROC (Joel Greenblatt) % of -7.96% mean?
Jiayin Group (JFIN) has a ROC (Joel Greenblatt) % of -7.96% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Jiayin Group and its competitors. According to the industry distribution chart, Jiayin Group ranks #210 out of 420 companies in the Credit Services industry, placing it in the top 50%.
Is Jiayin Group's ROC (Joel Greenblatt) % too high?
Jiayin Group's current ROC (Joel Greenblatt) % is -7.96%. Based on the distribution chart, Jiayin Group ranks #210 out of 420 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 ROC (Joel Greenblatt) % compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #210 out of 420 companies for ROC (Joel Greenblatt) %. This puts Jiayin Group in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 32.21. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 32.21, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 32.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current ROC (Joel Greenblatt) % is -7.96%. 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 ROC (Joel Greenblatt) % is -7.96%. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Jiayin Group (JFIN), the current ROC (Joel Greenblatt) % is -7.96% 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:
ROC (Joel Greenblatt) %: -7.96%
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
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