Stock Ratings / Financials / JFIN / earnings

PFX (48) MGLD (29) BMHL (60) SUIG (23) ⌘ Pro Terminal →

Jiayin Group Inc. (JFIN) Next Earnings Date & Expected ±12.5% Move

$1.62 -5.81% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $1.60

Jiayin Group Inc. (JFIN) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $90.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on JFIN Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is JFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Jiayin Group Inc. (NASDAQ: JFIN) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $1.62 (-5.81% 1D, market cap $90.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, JFIN ranks #167 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does JFIN compare to PFX and MGLD in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), JFIN carries a Roarable C+ (69/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 29.1%. By comparison, PFX (PhenixFIN Corporation) holds a D grade (48/100 RQD, P/E 20.3x, ROIC 2.7%, cap $84.4M) and MGLD (The Marygold Companies Inc.) posts a E grade (29/100 RQD, P/E N/A, ROIC -29.1%, cap $84.1M). Among the 5-stock peer group, PFX leads on earnings multiple (20.3x) while JFIN leads on capital efficiency (29.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for JFIN?

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Per JFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001743102), Jiayin Group Inc. generated $889.8M in revenue (+12.0% YoY), $219.6M in net income, and $89.0M in free cash flow against $1.25B in total assets and $73.8M in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $1.60 (-1.24%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 10% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for JFIN)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY JFIN SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)

FRED Regime × Technicals: 6% of 52W Range • RSI-14 at 59 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 28.9% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$1.26+6.3% Next Q

Q2 (-2Q)

Grade C+$1.34-2.2% Next Q

Q3 (-1Q)

Grade B-$1.31+23.7% Next Q

Current

Grade C+$1.62+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the JFIN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, JFIN faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($1.53) or 200D SMA ($3.74) invalidates the momentum regime and cuts Target Base ($1.70) toward Bear Floor ($1.33).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $JFIN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “JFIN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±12.5% Swing Band

±$0.20 Expected Swing

MODEL EARNINGS SETUP GAUGE

JFIN Quantitative Pre-Earnings Setup: 69/100

Trailing EPS: $4.25 • YoY Revenue Growth: 12%

Model Bullish Setup (69/100)Model Risk Weight (31/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$889.8M	$219.6M	$89.0M	52%
FY 2024	2024-12-31	$794.7M	$144.7M	$94.0M	52%
FY 2023	2023-12-31	$770.0M	$182.8M	$54.9M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating JFIN & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on JFIN
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

JFIN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -67.07%⚡ TESTING RESISTANCE

2026-11-02O $1.67H $1.74L $1.58C $1.62VOL 67.6K

RES: $1.85SUP: $0.76SMA50: $1.53SMA200: $3.74

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

JFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 JFIN Butterfly Map → + Track JFIN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +12.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on JFIN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for JFIN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for JFIN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (JFIN)

Financials Rank #167 of 1096 ⚔️ PFX vs JFIN Full Matrix →

1. Head-to-Head Financials Peer Comparison (JFIN vs. PFX, MGLD, BMHL, SUIG)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Jiayin Group Inc. (JFIN) ranks #167 by composite RQD confidence (69/100, grade C+) and #971 by equity capitalization ($90.0M). Within this direct 5-issuer industry benchmark cohort, PFX leads on earnings valuation at 20.3x trailing P/E, while JFIN leads on capital efficiency and profitability with 29.1% ROIC and — gross margin. JFIN currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
JFIN ACTIVE Jiayin Group Inc.	C+	69/100	—	—	29.1%	-5.81%	$90.0M	Benchmark Subject
PFX PhenixFIN Corporation	D	48/100	20.3x	—	2.7%	0.00%	$84.4M	/pfx-vs-jfin →
MGLD The Marygold Companies Inc.	E	29/100	—	—	-29.1%	0.00%	$84.1M	/mgld-vs-jfin →
BMHL Bluemount Holdings Limited (Class B)	C-	60/100	—	—	—	+3.98%	$83.5M	/bmhl-vs-jfin →
SUIG Sui Group Holdings Limited	E	23/100	—	—	-35.0%	-2.83%	$81.4M	/suig-vs-jfin →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001743102

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Jiayin Group Inc. (JFIN) reported GAAP revenue of $889.8M (+12.0% vs. FY2024 revenue of $794.7M , and +15.6% cumulative change since FY2023) , GAAP net income of $219.6M, operating cash flow of $179.8M, and free cash flow of $89.0M (-5.4% YoY). On the balance sheet, JFIN closed FY2025 with $1.25B in total assets against $73.8M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$889.8M	$219.6M	$179.8M	$89.0M	$1.25B	$73.8M
FY2024 (FY)	2024-12-31	$794.7M	$144.7M	$195.3M	$94.0M	$741.2M	—
FY2023 (FY)	2023-12-31	$770.0M	$182.8M	$54.9M	$54.9M	—	—

3. JFIN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is JFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does JFIN compare to PFX and MGLD in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for JFIN?

Where is JFIN trading relative to its 50-day, 200-day, and 52-week technical levels?

JFIN last traded at $1.62 (-5.81% on volume of 608,316 shares), positioning the stock +5.88% above its 50-day simple moving average ($1.53) and -56.68% below its 200-day simple moving average ($3.74). Across its 52-week range of $1.13 to $9.76, JFIN sits at the 5.7% percentile with a 14-day RSI of 59.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($1.42 to $1.82).

JFIN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is JFIN's next earnings date?

Based on SEC filing cadence, Jiayin Group Inc. (JFIN)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is JFIN stock expected to move on earnings?

Volatility modeling currently projects a ±12.5% event move for JFIN, spanning a range between $1.42 and $1.82.

Direct Sub-Reports: JFIN RQD Cockpit JFIN 12M Forecast JFIN Earnings & Move JFIN Dividends & DRIP JFIN Insiders & 13F JFIN Whale Options JFIN Profit Sankey JFIN News & Why

ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

JFIN — Jiayin Group Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:44:32Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, JFIN scores 69 out of 100 (letter grade C+; verdict "Roarable Hold — Upper Neutral / Watch for Breakout"). Across the five pillars: Fundamental Cash Engine scores 12 of 20 (ROIC 29.1%; FCF yield 0%), suggesting strong capital efficiency but no free-cash yield at the current price; Whale 13F Flow scores 14 of 20, reflecting institutional accumulation and options positioning; Insider Conviction scores 13 of 20, based on SEC Form 4 and Congressional PTR cluster flow; Macro Regime Fit scores 15 of 20 (Beta 1.0, with sector sensitivity); and Forensic Balance Sheet scores 15 of 20 (Altman Z 2.5; Piotroski F 7/9; Debt/Equity 0.5). For a prospective investor, the upside case rests on high reported returns on capital and a balance sheet the rating treats as sound, while the valuation tradeoff is that the FCF yield of 0% and missing earnings-multiple data make it difficult to anchor price to cash generation. The rating's "Watch for Breakout" framing indicates the score is neutral-to-constructive rather than a directional signal, and the stock's recent price action is large relative to its market cap. This is analytical context, not personalized financial advice.

Business

Jiayin Group Inc. (JFIN) is a NASDAQ-listed issuer classified under the Financials sector and the Finance: Consumer Services industry, per the company profile. Per the profile, the company carries a market capitalization of $0.1B. The source data does not describe its products, customer base, or revenue model beyond this classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$889.8M	$257.0M	$219.6M	N/A	$89.0M	$8.8M	$73.8M
FY 2024	$794.7M	$171.0M	$144.7M	N/A	$94.0M	$74.1M	N/A
FY 2023	$770.0M	$187.7M	$182.8M	N/A	$54.9M	N/A	N/A

Per the SEC financials, revenue rose from $770.0M in FY 2023 to $889.8M in FY 2025, and operating income rose from $187.7M to $257.0M over the same span. Per the market data, the operating margin is 28.9%, the net margin 24.7%, and the gross margin 0%. Per the Roarable RQD rating, the forensic pillar cites an Altman Z-Score of 2.5, a Piotroski F-Score of 7/9, and a Debt/Equity ratio of 0.5. Reported cash fell from $74.1M in FY 2024 to $8.8M in FY 2025 while reported debt was $73.8M in FY 2025.

Recent Catalysts & News Wire Analysis

Market wire (Moomoo, 1h ago): A Moomoo report covering options chain and quotes; flagged YELLOW.
Risk watch (MarketBeat, 3h ago): Headline reports the stock fell 6%; flagged RED.
Catalyst (kalkine.ca, 6h ago): Headline reports the penny stock jumped 36% even as second-quarter revenue fell 61%; flagged GREEN.
Market wire (MarketBeat, 9h ago): Headline reports the share price crossed above its fifty-day moving average; flagged YELLOW.
Catalyst (siam.in-sourced item, 12h ago): Headline reports the ADR ticked up 2.67% to $1.34 and references a buyback factor; flagged GREEN.
Market wire (siam.in-sourced item, 15h ago): Headline reports the ADR ticked up 2.67% to $1.34 amid buyer support; flagged YELLOW.

The Butterfly Supply-Chain Graph reports supply_chain as NONE, with no butterfly links and no proprietary signals.

Open Questions

What drives the reported gap between FY 2025 net income of $219.6M and FCF of $89.0M, and how does it reconcile with the 0% FCF yield in the RQD inputs?
Why are EPS, P/E, and EV/EBITDA unavailable, and what earnings base underlies the reported ROIC of 29.1%?
Reported cash fell to $8.8M in FY 2025 while debt was $73.8M; what is the liquidity and debt-maturity profile?
What explains the headline reporting of a 61% second-quarter revenue decline alongside a 37.6% price change?
What products and revenue streams sit behind the "Finance: Consumer Services" classification?

JFIN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Jiayin Group Inc. (JFIN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to JFIN Debate Forum (3) ↓

🟡 MARKET WIRE Moomoo • 1h ago

Jiayin Group(JFIN) Stock Options Chain | Quotes & News

Moomoo report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH MarketBeat • 4h ago

Jiayin Group (NASDAQ:JFIN) Stock Falls 6% - Here's What Happened

MarketBeat report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST kalkine.ca • 7h ago

Jiayin Group (NASDAQ:JFIN) Penny Stock Jumps 36% Even as Second-Quarter Revenue Fell 61%

kalkine.ca report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 10h ago

Jiayin Group (NASDAQ:JFIN) Share Price Crosses Above Fifty Day Moving Average - What's Next?

MarketBeat report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST https://www.siam.in/ • 13h ago

Jiayin Group (JFIN) ADR Ticks Up 2.67% to $1.34 as Shares Press Toward Upper Range - Buyback Factor

https://www.siam.in/ report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 16h ago

Jiayin Group (JFIN) ADR Ticks Up 2.67% to $1.34 as Buyers Defend Lower Support - Quote Data

https://www.siam.in/ report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH ad-hoc-news.de • 22h ago

S&P Global BMI Index removes Jiayin Group stock: Jiayin reports a loss

ad-hoc-news.de report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 8h ago

10 Financials Stocks Moving In Monday's Pre-Market Session

Gainers Netcapital (NASDAQ:NCPL) stock rose 8.5% to $1.73 during Monday's pre-market session. The market value of their outstanding shares is at $12.7 million. Dominari Holdings (NASDAQ:DOMH) stock rose 7.92% to

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

JFIN Bull vs. Bear Conversation Board — What's Your Call at $1.62?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON JFIN 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $1.86 (+8.1%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is JFIN (C+ • RQD 69/100) a Buy at $1.72?

Welcome to the JFIN (Jiayin Group Inc.) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Finance: Consumer Services. Bulls point to capital efficiency (29.1% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $1.41 (-18.0%)

Spot @ $1.72

Pump the brakes on JFIN — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on JFIN, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Jiayin Group Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $2.08 (+20.9%)

Spot @ $1.72

JFIN cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on JFIN, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $1.72 (52-wk range $1.36 - $1.74), any beat on forward guidance forces shorts and underweight funds to chase.