JFIN (Jiayin Group) ROCE %: -5.49% (As of Mar. 2026)

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JFIN Jiayin Group Inc JFIN
71 GF Score
Price $2.29
GF Value $6.73
Valuation Possible Value Trap
! 6 Warning Signs
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What is Jiayin Group ROCE %?

Jiayin Group JFIN -1.72% 71 ROCE % is -5.49% 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Jiayin Group's annualized ROCE % for the quarter that ended in Mar. 2026 was -5.49%.

Jiayin Group  (NAS:JFIN) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Jiayin Group ROCE % Related Terms

Jiayin Group ROCE % Historical Data

* Premium members only.

The historical data trend for Jiayin Group's ROCE % 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.

Jiayin Group ROCE % Chart

Jiayin Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 182.94 57.48 37.51 43.88

Jiayin Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 67.67 62.53 39.95 7.61 -5.49
JFIN
71GF Score
Jiayin Group Inc JFIN
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Jiayin Group ROCE % Calculation

Jiayin Group's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=255.186/( ( (743.046 - 299.916) + (1243.18 - 523.121) )/ 2 )
=255.186/( (443.13+720.059)/ 2 )
=255.186/581.5945
=43.88 %

Jiayin Group's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=-39.836/( ( (1243.18 - 523.121) + (1240.23 - 510.236) )/ 2 )
=-39.836/( ( 720.059 + 729.994 )/ 2 )
=-39.836/725.0265
=-5.49 %

(1) 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of -5.49% mean?
Jiayin Group (JFIN) has a ROCE % of -5.49% as of Mar. 2026.
Is Jiayin Group's ROCE % too high?
Jiayin Group's current ROCE % is -5.49%. 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 ROCE % compare to YRD and ANTA?
Jiayin Group's ROCE % of -5.49% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.78. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.78, based on 421 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current ROCE % is -5.49%. 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 ROCE % is -5.49%. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Jiayin Group (JFIN), the current ROCE % is -5.49% 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:

  • ROCE %: -5.49%
  • GF Value™: $6.73 vs. price of $2.29 (66% below fair value)
  • GF Score™: 71/100 with 6 warning signs

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 Business Description

Address No. 428 South Yanggao Road, Room 26F, 18th Floor, Building No. 1, Youyou Century Plaza, Pudong New Area, Shanghai, CHN, 200122
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

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.29
Price
$6.73
GF Value