Moomoo report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
Why JFIN Stock dropped -5.81% Today — RQD Quant Desk Flash
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.
🤖 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.
🤖 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).
🤖 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
FRED Regime × Technicals: 6% of 52W Range • RSI-14 at 59 (BULLISH MOMENTUM)
Capital intensity & 28.9% operating margin leave 8 pts on the table
⚔️ Adversarial Opposing Case: Why the JFIN Bull Thesis Could Fail
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Why JFIN Stock dropped -5.81% Today — RQD Quant Desk Flash
Jiayin Group Inc. (JFIN) dropped -5.81% to $1.62, trading at 6% of its 52-week range ($1.13 – $9.76). Solid steady margins (29% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 6% of its 52-week range ($1.13 – $9.76) with RSI-14 at 59 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±12.5% around $1.62 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $89.0M annual free cash flow.
MarketBeat report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
kalkine.ca report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
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
Unusual volume scan: CETX fell 20.51%, BURU dropped 25.76%, SLGB rose 50.15%, and WKHS gained 13.33%, each with volume above 50-day averages.
Asian equities traded in the US as American depositary receipts were moving lower Thursday morning,
Scheduled RQD Strong Buys & Whale Accumulation Briefing (JFIN Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
JFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +12.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on JFIN today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for JFIN. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (JFIN)
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 0001743102In 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 ENABLEDIs JFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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.
How does JFIN compare to PFX and MGLD in the Financials sector?
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).
What are the biggest fundamental strengths and SEC risk factors for JFIN?
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.
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 × FREDWhy is JFIN stock moving today?
Why JFIN Stock dropped -5.81% Today — RQD Quant Desk Flash. Solid steady margins (29% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
JFIN — Jiayin Group Inc.: What the Facts Mean to a Prospective Investor
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
Moomoo report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
kalkine.ca report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering Jiayin Group Inc. (JFIN) market action, institutional positioning, and fundamental catalysts.
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
JFIN Bull vs. Bear Conversation Board — What's Your Call at $1.62?
🔥 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.
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.
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.