Jiayin Group Inc.
JFINFinancial Services · Stock · semiannual payer
Forward Yield
27.40%
Annual Dividend
$0.80
Payout Ratio
122%
5-Yr Growth
—
Ex-Date
Jul 14, 2025
Frequency
Semiannual
Summary
As of September 2026, Jiayin Group Inc. (JFIN) yields 27.40% ($0.80 per share annually), with a blended fair-value estimate of $5.45 — +221% upside, so it screens as undervalued. Dividend safety grade: C (58/100). 2 years of dividend growth.
Is JFIN a good dividend stock?
Yes, with caveatsJiayin Group Inc. (JFIN) pays a semiannual dividend yielding 27.40% ($0.80/yr), with 2 years of growth and a dividend-safety grade of C. It's a solid income payer, but check the caveats below before buying.
Advantages
- Never cut its dividend on record
Risks
- Elevated payout ratio (122%)
- Very high yield can signal elevated risk
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 27.40%
- Payout Ratio
- 122%
- Annual Dividend
- $0.80
- 5-Yr Avg Growth
- —
- Ex-Dividend Date
- Jul 14, 2025
- Years of Growth
- 2
- Frequency
- semiannual
- Beta
- 0.89
- Market Cap
- $75.4M
- P/E Ratio
- 2.0
- 5-Yr Total Return
- -61%
- 52-Week Range
- $1.42 – $11.77
- Dividend Safety
- C · 58/100
- Ever Cut?
- No
Frequently Asked Questions
JFIN Price — Last 12 Months
Daily close
Price Return
1 Year
-86%
3 Years
-73%
5 Years
-61%
52-Week Range
$1.42 – $11.77
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is JFIN worth?
Undervaluedlow confidenceOur blended fair-value estimate for Jiayin Group Inc. is $5.45 per share, versus a market price of $1.70. That implies 221% of upside — a margin of safety of about 69%.
Fair Value
$5.45
Current Price
$1.70
Upside
+221%
Margin of Safety
69%
How we get there
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model -5.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 8.8% discount rate (CAPM), -5.0% stage-1 growth, 2.5% terminal growth, $0.70 EPS, $0.80 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
JFIN Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jul 14, 2025 | — | $0.8000 | regular |
| Aug 27, 2024 | — | $0.5000 | regular |
| Jan 18, 2024 | — | $0.4000 | regular |
| Jul 27, 2023 | — | $0.4000 | regular |
Income Calculator
At $0.80 / yr per share
