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Jiayin GroupJFIN +1.09%71 3-Year Share Buyback Ratio is 0.70 as of Mar. 2026, which is 75% above its 10-year median of 0.40. 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 283 Credit Services companies, Jiayin Group ranks better than 80.92% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Jiayin Group's current 3-Year Share Buyback Ratio was 0.70%.
The historical rank and industry rank for Jiayin Group's 3-Year Share Buyback Ratio or its related term are showing as below:
JFIN'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -0.3 Med: 0.4 Max: 0.7
Current: 0.7
During the past 10 years, Jiayin Group's highest 3-Year Share Buyback Ratio was 0.70%. The lowest was -0.30%. And the median was 0.40%.
JFIN's 3-Year Share Buyback Ratio is ranked better than 80.92% of 283
companies
in the Credit Services industry
Industry Median: -3.1
vs JFIN: 0.70
Jiayin Group (NAS:JFIN) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Jiayin Group 3-Year Share Buyback Ratio Related Terms
JFIN vs YRD, ANTA, SUIG: 3-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, Jiayin Group's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Jiayin Group's 3-Year Share Buyback Ratio falls into.
Jiayin Group 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.70 mean?
Jiayin Group (JFIN) has a 3-Year Share Buyback Ratio of 0.70 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Jiayin Group and its competitors. This is 75% above median its historical median of 0.40. According to the industry distribution chart, Jiayin Group ranks #54 out of 283 companies in the Credit Services industry, placing it in the top 19.1%.
Is Jiayin Group's 3-Year Share Buyback Ratio too high?
Jiayin Group's current 3-Year Share Buyback Ratio of 0.70 is 75% above median its 10-year median of 0.40. Based on the distribution chart, Jiayin Group ranks #54 out of 283 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 3-Year Share Buyback Ratio compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #54 out of 283 companies for 3-Year Share Buyback Ratio. This places Jiayin Group in the top 19% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Credit Services company?
A good 3-Year Share Buyback Ratio depends on the Credit Services industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Jiayin Group and its competitors. Jiayin Group's current 3-Year Share Buyback Ratio is 0.70, which is 75% above median its own 10-year median of 0.40. 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 3-Year Share Buyback Ratio is 0.70, which is 75% above median its 10-year median of 0.40. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Jiayin Group (JFIN), the current 3-Year Share Buyback Ratio is 0.70 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:
3-Year Share Buyback Ratio: 0.70 (75% above median its 10-year median of 0.40)
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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