What smart money is saying about Jiayin Group
2 funds in our archive have pitched Jiayin Group — most recently ARAR Fund in December 2025.
Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates transparent, secure, and fast connections between individual borrowers and financial institutions funding partners. It also provides referral services for investment products offered by the financial service providers; and software development, risk control, marketing support, and IT assistance services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China.
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Position history
Between Q3 2025 and Q2 2026, 1 fund letter reported a position in Jiayin Group — 1 trimmed or exited.
| Quarter | Letters | Bought | Sold | Theses |
|---|---|---|---|---|
| Q2 2026 | 1 | 0 | 1 | 0 |
| Q4 2025 | 0 | 0 | 0 | 1 |
| Q3 2025 | 0 | 0 | 0 | 1 |
Fund activity · 1 position · 1 move
- TrimmedARAR FundJune 2026
“Chinese lenders: more legislation gossip, but earnings stabilizing as anticipated While earnings seemed to stabilize, Jiayin Group had a late earnings ‘surprise’ and concluded they underestimated the risk on their books a quarter earlier. We still own the stock but did pivot away somewhat before the announcement.”
Jiayin Group
Fund coverage · 2 theses
- ARAR FundDecember 2025
Jiayin Group is a lending intermediary facing regulatory pressure but with potential recovery through originations rebound, pivot to prime, overseas growth, and an attractive ~4.8x P/E valuation floor.
Read the full thesis - ARAR FundJuly 2025
Despite new Chinese regulations on online lending, Jiayin Group’s strong data-driven risk model and limited competitive impact preserve its edge—offering deep value at below 3× earnings with upside if China favors domestic credit expansion.
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