Is Jiayin Group Inc. (JFIN) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 15.4% / 30% | 161.3% / 30% | 1041.4% / 30% | 0.5% / 5% | ✗ NOT HALAL |
| DJIM | 15.4% / 33% | 161.3% / 33% | 1041.4% / 33% | 0.5% / 5% | ✗ NOT HALAL |
| MSCI | 1.0% / 33% | 10.0% / 33% | 64.5% / 33% | 0.5% / 5% | ✗ NOT HALAL |
| S&P | 15.4% / 33% | 161.3% / 33% | 1041.4% / 33% | 0.5% / 5% | ✗ NOT HALAL |
| FTSE | 1.0% / 33% | 10.0% / 33% | 64.5% / 50% | 0.5% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 80.9% | |
| Operating Margin | 31.1% | |
| Net Margin | 26.2% | |
| Return on Equity (ROE) | 47.8% | |
| Return on Assets (ROA) | 19.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.4B |
| Free Cash Flow | $686M |
| Total Debt | $52M |
| Debt-to-Equity | 0.8 |
| Current Ratio | 2.4 |
| Total Assets | $5.4B |
Price & Trading
| Last Close | $4.83 |
| 50-Day MA | $6.29 |
| 200-Day MA | $10.03 |
| Avg Volume | 74K |
| Beta | 0.5 |
|
52-Week Range
$4.80
| |
About Jiayin Group Inc. (JFIN)
Jiayin Group Inc., together with its subsidiaries, engages in the provision of online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers loan products with fixed terms and repayment schedules; guarantee services; referral services for investment products offered by the third-party financial service providers; technology development services; and commercial services. The company was founded in 2011 and is headquartered in Shanghai, China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.
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Frequently Asked Questions
Is Jiayin Group Inc. (JFIN) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Jiayin Group Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Jiayin Group Inc.'s debt ratio?
Jiayin Group Inc.'s debt ratio is 15.4% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 1.0%.
What are Jiayin Group Inc.'s key financial metrics?
Jiayin Group Inc. has a market capitalization of $259M, trailing P/E ratio of 1.0, and revenue of $5.8B. The company maintains a gross margin of 80.9% and a net margin of 26.2%. Return on equity stands at 47.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.