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ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Jiayin Group's annualized net income for the quarter that ended in Mar. 2026 was $-35.8 Mil. Jiayin Group's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $631.9 Mil. Therefore, Jiayin Group's annualized ROE % for the quarter that ended in Mar. 2026 was -5.66%.
The historical rank and industry rank for Jiayin Group's ROE % or its related term are showing as below:
JFIN'
s ROE % 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 ROE % was 185.25%. The lowest was 22.37%. And the median was 56.09%.
JFIN's ROE % is ranked better than 89.12% of 533
companies
in the Credit Services industry
Industry Median: 6.8
vs JFIN: 22.37
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Jiayin Group ROE % Related Terms
Jiayin Group ROE % Historical Data
* Premium members only.
The historical data trend for Jiayin Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's ROE % distribution charts can be found below:
* The bar in red indicates where Jiayin Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Jiayin Group (JFIN) has a ROE % of -5.66% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Jiayin Group and its competitors. Over the past decade, Jiayin Group's ROE % has ranged from 22.37 to 185.25. According to the industry distribution chart, Jiayin Group ranks #58 out of 533 companies in the Credit Services industry, placing it in the top 10.9%.
Is Jiayin Group's ROE % too high?
Jiayin Group's current ROE % 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 #58 out of 533 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 ROE % compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #58 out of 533 companies for ROE %. This places Jiayin Group in the top 11% of its industry — outperforming the majority of peers. The industry median ROE % is 6.80. Historically, Jiayin Group's own ROE % 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.80, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median ROE % is 6.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current ROE % 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 $2.25 — trading 66.5% below its estimated fair value. The current ROE % 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Jiayin Group (JFIN), the current ROE % 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 $2.25 is trading 66.5% below its estimated GF Value™ of $6.73.
GuruFocus considers Jiayin Group to be Possible Value Trap.
Key valuation signals for JFIN:
ROE %: -5.66%
GF Value™: $6.73 vs. price of $2.25 (66.5% 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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