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Jiayin GroupJFIN +1.09%71 5-Year Yield-on-Cost % is 33.96 as of Aug. 26, 2026, which is 192% above its 10-year median of 11.65. 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 210 Credit Services companies, Jiayin Group ranks better than 98.1% on this metric.
Jiayin Group's yield on cost for the quarter that ended in Mar. 2026 was 33.96.
The historical rank and industry rank for Jiayin Group's 5-Year Yield-on-Cost % or its related term are showing as below:
JFIN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.73 Med: 11.65 Max: 37.31
Current: 33.96
During the past 10 years, Jiayin Group's highest Yield on Cost was 37.31. The lowest was 2.73. And the median was 11.65.
JFIN's 5-Year Yield-on-Cost % is ranked better than 98.1% of 210
companies
in the Credit Services industry
Industry Median: 4.495
vs JFIN: 33.96
Jiayin Group (NAS:JFIN) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Jiayin Group 5-Year Yield-on-Cost % Related Terms
JFIN vs YRD, ANTA, SUIG: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Jiayin Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jiayin Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Jiayin Group's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Jiayin Group is calculated as
Jiayin Group (JFIN) has a 5-Year Yield-on-Cost % of 33.96 as of Aug. 26, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Jiayin Group and its competitors. This is 192% above median its historical median of 11.65. Over the past decade, Jiayin Group's 5-Year Yield-on-Cost % has ranged from 2.73 to 37.31. According to the industry distribution chart, Jiayin Group ranks #4 out of 210 companies in the Credit Services industry, placing it in the top 1.9%.
Is Jiayin Group's 5-Year Yield-on-Cost % too high?
Jiayin Group's current 5-Year Yield-on-Cost % of 33.96 is 192% above median its 10-year median of 11.65. Over the past 10 years, this metric has ranged from a low of 2.73 to a high of 37.31. The Credit Services industry median 5-Year Yield-on-Cost % is 4.50. Jiayin Group's value of 33.96 is 655.5% above this industry median. Based on the distribution chart, Jiayin Group ranks #4 out of 210 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 5-Year Yield-on-Cost % compare to YRD and ANTA?
According to the Credit Services industry distribution chart, Jiayin Group ranks #4 out of 210 companies for 5-Year Yield-on-Cost %. This places Jiayin Group in the top 2% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.50. Jiayin Group's value of 33.96 is 655.5% above this benchmark. Historically, Jiayin Group's own 5-Year Yield-on-Cost % has ranged from 2.73 to 37.31 over the past decade. While the company's 10-year median is 11.65 vs. the industry median of 4.50, Jiayin Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.50, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiayin Group's current 5-Year Yield-on-Cost % of 33.96 is 655.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Jiayin Group and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiayin Group's current 5-Year Yield-on-Cost % is 33.96, which is 192% above median its own 10-year median of 11.65. 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 5-Year Yield-on-Cost % is 33.96, which is 192% above median its 10-year median of 11.65 and 655.5% above the Credit Services industry median of 4.50. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Jiayin Group (JFIN), the current 5-Year Yield-on-Cost % is 33.96 as of Aug. 26, 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:
5-Year Yield-on-Cost %: 33.96 (192% above median its 10-year median of 11.65)
GF Value™: $6.73 vs. price of $2.36 (65% below fair value)
Industry Position: 655.5% above the Credit Services median (#4 of 210)
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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