Jiayin Group Inc.

The following are the top rated Financial stocks according to Validea's P/E/Growth Investor model based on the published strategy of Peter Lynch. This strategy looks for stocks trading at a reasonable price relative to earnings growth that also possess strong balance sheets.
GRUPO CIBEST SA (ADR) (CIB) is a mid-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Grupo Cibest SA is a Colombia-based holding company that operates primarily in the financial services sector. The company is the parent entity of Bancolombia SA and oversees a broad ecosystem of financial and non-financial businesses across Colombia, Latin America, and the Caribbean. Grupo Cibest provides a comprehensive suite of banking and financial products through its subsidiaries, including personal, automobile, and education loans, credit and debit cards, securities brokerage, fund transfers, leasing, foreign trade financing, insurance, and pension fund services. It operates through various segments such as Banking Colombia, Banking Panama, Banking El Salvador, Banking Guatemala, Trust, Investment Banking, Brokerage, and Offshore services Grupo Cibest plays a pivotal role in the regionGs financial infrastructure, serving a diverse clientele that includes individuals, corporations, institutions, and government entities.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of GRUPO CIBEST SA (ADR)
ITAU UNIBANCO HOLDING SA (ADR) (ITUB) is a large-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Itau Unibanco Holding SA, formerly Banco Frances e Brasileiro SA is a Brazil-based provider of diversified banking and nonbanking services and products. The CompanyGs activities are divided into three business segments: Retail Business, Wholesale Business, and Activities with the Market and Corporations. The Retail Business segmentGs offering includes personal loans, credit cards, payroll deducted loans, vehicle financing, mortgage loans, insurance, pension plan and premium bond products. The Wholesale Business segment offers services and products to private banking clients, such as asset management, capital market solutions, corporate and investment banking activities. The Activities with the Market and Corporations Business segment manages interest income associated with the CompanyGs capital surplus, subordinated debt surplus and the net balance of tax credits and debits. Itau Unibanco Holding serves individuals and corporate clients.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of ITAU UNIBANCO HOLDING SA (ADR)
WELLS FARGO & CO (WFC) is a large-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Wells Fargo & Company is a financial services company. The Company provides a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, to individuals, businesses and institutions. The Company operates through four segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. The Company provides consumer financial products and services, including checking and savings accounts, credit and debit cards, and auto, residential mortgage, and small business lending. In addition, the Company offers financial planning, private banking, investment management, and fiduciary services. It also provides financial solutions to businesses through products and services including traditional commercial loans and lines of credit, letters of credit, asset-based lending and leasing, trade financing, treasury management, and investment banking services.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of WELLS FARGO & CO
OLD SECOND BANCORP INC (OSBC) is a small-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Old Second Bancorp, Inc. serves as the bank holding company for its wholly owned subsidiary bank, Old Second National Bank (the Bank). The Bank is a full-service banking business offering a range of deposit products, trust and wealth management services, lending services, and deposit services, including demand, NOW, money market, savings, time deposit and individual retirement accounts. It also offers commercial, industrial, consumer and real estate lending, including installment loans, agricultural loans, lines of credit, lease financing receivables and overdraft checking, and safe deposit operations. It provides a variety of additional services to the needs of individual customers, such as money orders, cashiersG checks and foreign currency, direct deposit, discount brokerage, debit cards, credit cards, and other special services. It also provides a complement of electronic banking services, such as online and mobile banking and corporate cash management products.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of OLD SECOND BANCORP INC
JIAYIN GROUP INC - ADR (JFIN) is a small-cap value stock in the Business Services industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Jiayin Group Inc is a China-based company engaged in providing a fintech platform to facilitate connections between underserved individual borrowers and financial institutions funding partners. The Company's businesses include loan facilitation services, post-origination services and other businesses. The loan facilitation services included services provided for the facilitation of loan transactions between borrowers and institutional funding partners. The other businesses included provision of referral services for investment products, guarantee services and so on.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of JIAYIN GROUP INC - ADR
About Peter Lynch: Perhaps the greatest mutual fund manager of all-time, Lynch guided Fidelity Investment's Magellan Fund to a 29.2 percent average annual return from 1977 until his retirement in 1990, almost doubling the S&P 500's 15.8 percent yearly return over that time. Lynch's common sense approach and quick wit made him one of the most quoted investors on Wall Street. ("Go for a business that any idiot can run -- because sooner or later, any idiot probably is going to run it," is one of his many pearls of wisdom.) Lynch's bestseller One Up on Wall Street is something of a "stocks for the everyman/everywoman", breaking his approach down into easy-to-understand concepts.
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Validea's Top Financial Stocks Based On Peter Lynch - 6/30/2025

The following are today's upgrades for Validea's Price/Sales Investor model based on the published strategy of Kenneth Fisher. This value strategy rewards stocks with low P/S ratios, long-term profit growth, strong free cash flow and consistent profit margins.
INTREPID POTASH INC (IPI) is a small-cap growth stock in the Non-Metallic Mining industry. The rating according to our strategy based on Kenneth Fisher changed from 58% to 70% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Intrepid Potash, Inc. is a diversified mineral company that delivers potassium, magnesium, sulfur, salt, and water products to customers in the agriculture, animal feed and the oil and gas industries. The Company's segments include potash, Trio, and oilfield solutions. Its three primary products are potash, Trio, and water. It also sells salt, magnesium chloride, metal recovery salts, brines, and water that are derived as part of its mining processes. It sells potash in three primary markets: the agricultural market as a fertilizer input, the animal feed market as a nutrient supplement, and the industrial market as a component in drilling and fracturing fluids for oil and gas wells and an input to other industrial processes. Trio is a specialty fertilizer that delivers potassium, sulfur, and magnesium in a single particle. It sells water for industrial use in the oil and gas services industry. Its other oilfield related offerings include caliche, right-of-way agreements, and others.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of INTREPID POTASH INC
IPI Guru Analysis
IPI Fundamental Analysis
JIAYIN GROUP INC - ADR (JFIN) is a small-cap value stock in the Business Services industry. The rating according to our strategy based on Kenneth Fisher changed from 50% to 90% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Jiayin Group Inc is a China-based company engaged in providing a fintech platform to facilitate connections between underserved individual borrowers and financial institutions funding partners. The Company's businesses include loan facilitation services, post-origination services and other businesses. The loan facilitation services included services provided for the facilitation of loan transactions between borrowers and institutional funding partners. The other businesses included provision of referral services for investment products, guarantee services and so on.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of JIAYIN GROUP INC - ADR
JFIN Guru Analysis
JFIN Fundamental Analysis
VIPSHOP HOLDINGS LTD - ADR (VIPS) is a mid-cap value stock in the Retail (Specialty) industry. The rating according to our strategy based on Kenneth Fisher changed from 90% to 100% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Vipshop Holdings Ltd is an online discount retailer for brands in China. The Company offers branded products to consumers in China through flash sales mainly on its vip.com Website. The Company's segment is sales, product distribution and offering of goods on its online platforms. The Company conducts its business through its subsidiaries and consolidated affiliated entities in China. Through its flash sales model, the Company sells limited quantities of discounted branded products online for limited periods of time. The Company offers diversified product offerings from over 17,000 domestic and international brands, including apparel for women, men and children, fashion goods, cosmetics, home goods and other lifestyle products. The Company offers a range of products and services for consumers through lefeng.com, specializing in branded cosmetics, apparel, healthcare products, food and other consumer products.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of VIPSHOP HOLDINGS LTD - ADR
VIPS Guru Analysis
VIPS Fundamental Analysis
HUYA INC - ADR (HUYA) is a small-cap value stock in the Business Services industry. The rating according to our strategy based on Kenneth Fisher changed from 50% to 60% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: HUYA Inc is a China-based holding company principally engaged in the operation of game live streaming platforms. The Company cooperates with e-sports event organizers, game developers and publishers to develop e-sports live streaming. Its game contents include gameplay, e-sports tournament events and other e-sports game shows. The Company also offers non-game entertainment content, such as talent shows, anime and outdoor activities. The CompanyGs platforms include its Huya Live mobile application (app), website www.huya.com, and personal computer (PC) clients. It also develops and operates certain mobile games jointly with third-party distribution platforms, and game-related apps. The Company has also created an interactive online community in which a range of functions are provided for the users, including bullet chatting, real-time commenting and gifting. The Company conducts its businesses in domestic market.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of HUYA INC - ADR
HUYA Guru Analysis
HUYA Fundamental Analysis
MAKITA CORP (ADR) (MKTAY) is a mid-cap value stock in the Appliance & Tool industry. The rating according to our strategy based on Kenneth Fisher changed from 58% to 80% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Makita Corp is a Japan-based company mainly engaged in the manufacture and sale of electric tools, air tools, horticultural equipment, household equipment. The Company operates in four regional segments including Japan, Europe, North America and Asia. The Company provides lithium-ion series products, high-pressure air tool series products, dust collector series products, wireless interlocking series products and disaster preparedness series products.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of MAKITA CORP (ADR)
MKTAY Guru Analysis
MKTAY Fundamental Analysis
HARMONIC INC (HLIT) is a small-cap growth stock in the Communications Equipment industry. The rating according to our strategy based on Kenneth Fisher changed from 58% to 80% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Harmonic Inc. is a provider of virtualized broadband and video delivery solutions, enables media companies and service providers to deliver video streaming and broadcast services to consumers globally. It provides broadcast and streaming video services to consumer devices, including televisions, personal computers, laptops, tablets and smartphones. The Company operates through two segments: Video and Broadband. Its Broadband segment provides broadband access solutions and related services, including its cOS software-based broadband access solution, to broadband operators globally. Its Video segment provides video processing, production and playout solutions and services worldwide to broadband operators and satellite and telco Pay-TV service providers, and to broadcast and media companies, including streaming media companies. Its video business infrastructure solutions are delivered either through shipment of its products, software licenses or as software-as-a-service subscriptions.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of HARMONIC INC
HLIT Guru Analysis
HLIT Fundamental Analysis
DILLARD'S INC (DDS) is a mid-cap value stock in the Retail (Department & Discount) industry. The rating according to our strategy based on Kenneth Fisher changed from 90% to 100% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Dillard's, Inc. is a retailer of fashion apparel, cosmetics and home furnishings. The CompanyGs segments include the operation of retail department stores and a general contracting construction company. It operates 272 DillardGs stores, including 28 clearance centers, and an Internet store at dillards.com offering a wide selection of merchandise including fashion apparel for women, men and children, accessories, cosmetics, home furnishings and other consumer goods. The Company also operates a general contracting construction company, CDI Contractors, LLC (CDI), a portion of whose business includes constructing and remodeling stores for the Company. Its merchandise selections include its lines of exclusive branded merchandise, such as Antonio Melani, Gianni Bini, GB, Roundtree & Yorke and Daniel Cremieux. Its retail stores are located primarily in shopping malls and open-air centers throughout the southwest, southeast and Midwest regions of the United States.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of DILLARD'S INC
DDS Guru Analysis
DDS Fundamental Analysis
Kenneth Fisher Portfolio
About Kenneth Fisher: The son of Philip Fisher, who is considered the "Father of Growth Investing", Kenneth Fisher is a money manager, bestselling author, and longtime Forbes columnist. The younger Fisher wowed Wall Street in the mid-1980s when his book Super Stocks first popularized the idea of using the price/sales ratio (PSR) as a means of identifying attractive stocks. According to his alma mater, Humboldt State University, Fisher is also one of the world's foremost experts on 19th century logging. Appropriately, Fisher's firm, Fisher Investments, is located in a lush forest preserve in Woodside, California, where the contrarian-minded Fisher says he and his employees can get away from Wall Street groupthink.
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Validea Kenneth Fisher Strategy Daily Upgrade Report - 4/22/2025

The following are today's upgrades for Validea's P/E/Growth Investor model based on the published strategy of Peter Lynch. This strategy looks for stocks trading at a reasonable price relative to earnings growth that also possess strong balance sheets.
WATTS WATER TECHNOLOGIES INC (WTS) is a mid-cap growth stock in the Misc. Fabricated Products industry. The rating according to our strategy based on Peter Lynch changed from 87% to 91% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Watts Water Technologies, Inc. is a supplier of differentiated solutions, systems and products that manage and conserve the flow of fluids and energy into, through and out of buildings in the commercial and residential markets. The Company's products and solutions include Residential & commercial flow control and protection products that include backflow preventers, water pressure regulators, temperature and pressure relief valves, thermostatic mixing valves, leak detection and others; Heating, ventilation and air conditioning (HVAC) & gas includes commercial high-efficiency boilers, water heaters and custom heat and hot water solutions, hydronic and electric heating systems, hydronic pump groups, and flexible stainless-steel connectors; Drainage & water re-use includes drainage products and engineered rainwater harvesting solutions; and Water quality products include point-of-use and point-of-entry water filtration, monitoring, conditioning and scale prevention systems.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
P/E/GROWTH RATIO:
PASS
SALES AND P/E RATIO:
PASS
INVENTORY TO SALES:
PASS
EPS GROWTH RATE:
PASS
TOTAL DEBT/EQUITY RATIO:
PASS
FREE CASH FLOW:
NEUTRAL
NET CASH POSITION:
NEUTRAL
Detailed Analysis of WATTS WATER TECHNOLOGIES INC
WTS Guru Analysis
WTS Fundamental Analysis
INTERCORP FINANCIAL SERVICES INC (IFS) is a mid-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Peter Lynch changed from 80% to 98% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Intercorp Financial Services Inc is a Peru-based holding company and a provider of financial services. The Business is managed in four segments operated through subsidiaries: banking, insurance, wealth management and payments. The banking segment is run through Interbank with strategic focus on retail banking. The insurance segment operates through Interseguro, which is an insurance company with key focus on life and annuities in Peru. The wealth management segment operates through Inteligo Bank, Inteligo SAB and Interfondos, which together provide wealth management, private banking, financing, brokerage, advisory and other investment services focused on emerging investors. The payments are conducted via Izipay, which is a pillar for building payments ecosystem.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
YIELD ADJUSTED P/E TO GROWTH (PEG) RATIO:
PASS
EARNINGS PER SHARE:
PASS
TOTAL DEBT/EQUITY RATIO:
NEUTRAL
EQUITY/ASSETS RATIO:
PASS
RETURN ON ASSETS:
PASS
FREE CASH FLOW:
NEUTRAL
NET CASH POSITION:
BONUS PASS
Detailed Analysis of INTERCORP FINANCIAL SERVICES INC
IFS Guru Analysis
IFS Fundamental Analysis
ORCHID ISLAND CAPITAL INC (ORC) is a small-cap value stock in the Misc. Financial Services industry. The rating according to our strategy based on Peter Lynch changed from 72% to 76% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Orchid Island Capital, Inc. is a specialty finance company that invests in residential mortgage-backed securities (RMBS). The Company's investment portfolio consists of two categories of Agency RMBS: traditional pass-through Agency RMBS, such as mortgage pass-through certificates and collateralized mortgage obligations issued by the government-sponsored enterprise, and structured Agency RMBS, such as interest only securities, inverse interest only securities and principal only securities, among other types of structured Agency RMBS. Its business objective is to provide attractive risk-adjusted total returns to its investors over the long term through a combination of capital appreciation and the payment of regular monthly distributions. The Company intends to achieve this objective by investing in and strategically allocating capital between pass-through Agency RMBS and structured Agency RMBS. The Company is externally managed by Bimini Advisors, LLC.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
YIELD ADJUSTED P/E TO GROWTH (PEG) RATIO:
PASS
EARNINGS PER SHARE:
PASS
TOTAL DEBT/EQUITY RATIO:
NEUTRAL
EQUITY/ASSETS RATIO:
PASS
RETURN ON ASSETS:
FAIL
FREE CASH FLOW:
BONUS PASS
NET CASH POSITION:
BONUS PASS
Detailed Analysis of ORCHID ISLAND CAPITAL INC
ORC Guru Analysis
ORC Fundamental Analysis
BIRKENSTOCK HOLDING PLC (BIRK) is a mid-cap growth stock in the Footwear industry. The rating according to our strategy based on Peter Lynch changed from 87% to 91% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Birkenstock Holding plc operates through Birkenstock Group B.V. & Co. KG and its subsidiaries. Birkenstock is a global brand, which has developed a unisex portfolio of footbed-based products, anchored by its Core Silhouettes, the Madrid, Arizona, Boston, Gizeh and Mayari. Its proprietary footbed, which reflects the anatomy of the human foot, represents the foundation of its brand and products. It operates a vertically integrated manufacturing base and produce all its footbeds in Germany. In addition, it assembles the majority of its products in Germany and produce the remainder elsewhere in the European Union. The Company operates its channels, utilizing the business-to-business (B2B) channel to facilitate brand accessibility while fully engaging consumers in its direct-to-consumer (DTC) channel, which offers its complete product range and access to its silhouettes.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
P/E/GROWTH RATIO:
PASS
SALES AND P/E RATIO:
PASS
INVENTORY TO SALES:
PASS
EPS GROWTH RATE:
PASS
TOTAL DEBT/EQUITY RATIO:
PASS
FREE CASH FLOW:
NEUTRAL
NET CASH POSITION:
NEUTRAL
Detailed Analysis of BIRKENSTOCK HOLDING PLC
BIRK Guru Analysis
BIRK Fundamental Analysis
JIAYIN GROUP INC - ADR (JFIN) is a small-cap value stock in the Business Services industry. The rating according to our strategy based on Peter Lynch changed from 74% to 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Jiayin Group Inc is a China-based company engaged in providing a fintech platform to facilitate connections between underserved individual borrowers and financial institutions funding partners. The Company's businesses include loan facilitation services, post-origination services and other businesses. The loan facilitation services included services provided for the facilitation of loan transactions between borrowers and institutional funding partners. The other businesses included provision of referral services for investment products, guarantee services and so on.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
P/E/GROWTH RATIO:
PASS
SALES AND P/E RATIO:
NEUTRAL
EPS GROWTH RATE:
PASS
TOTAL DEBT/EQUITY RATIO:
PASS
Detailed Analysis of JIAYIN GROUP INC - ADR
JFIN Guru Analysis
JFIN Fundamental Analysis
TEGNA INC (TGNA) is a mid-cap value stock in the Broadcasting & Cable TV industry. The rating according to our strategy based on Peter Lynch changed from 56% to 74% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Tegna Inc. serves local communities across the United States through journalism, content, and tools to help people navigate their daily lives. The Company is a producer of local news, producing more than 1,700 hours of news per week. Through its network affiliation and local sports rights agreements, it carries sports content, which includes professional and collegiate sports and the Olympics. It also owns multicast networks True Crime Network and Quest. Each television station has a digital presence across online, mobile, connected television, streaming and social platforms, reaching consumers on all devices and platforms they use to consume news content. It delivers results for advertisers across television, digital, connected TV (CTV) and streaming app platforms, including Premion, its streaming app and CTV advertising network. Premion and Gray Television, Inc. (Gray) are in a commercial arrangement under which Gray resells Premion services across all of GrayGs television markets.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
SALES:
PASS
YIELD COMPARED TO THE S&P 500:
PASS
YIELD ADJUSTED P/E/GROWTH (PEG) RATIO:
PASS
TOTAL DEBT/EQUITY RATIO:
FAIL
FREE CASH FLOW:
NEUTRAL
NET CASH POSITION:
NEUTRAL
Detailed Analysis of TEGNA INC
TGNA Guru Analysis
TGNA Fundamental Analysis
TIPTREE INC (TIPT) is a small-cap growth stock in the Insurance (Prop. & Casualty) industry. The rating according to our strategy based on Peter Lynch changed from 0% to 91% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Tiptree Inc. is a holding company engaged in allocating capital to select small and middle market companies across industries. The Company invests across a variety of industries and asset types, including the insurance, asset management, specialty finance, real estate, and shipping sectors. The CompanyGs segments include Insurance and Mortgage. The Insurance segment consists of Fortegra Group, LLC (Fortegra), which is a multinational specialty insurance company focused on underwriting complex and niche risks in underserved markets. Fortegra is an underwriting-focused company, with expertise within the admitted and excess and surplus (E&S) insurance lines and capital light fee-based services markets. It owns a diversified group of businesses and investments that are owned and managed separately as Tiptree Capital, which includes its mortgage segment operations. Tiptree Capital consists primarily of its mortgage operations and principal investments.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
YIELD ADJUSTED P/E TO GROWTH (PEG) RATIO:
PASS
EARNINGS PER SHARE:
PASS
TOTAL DEBT/EQUITY RATIO:
NEUTRAL
EQUITY/ASSETS RATIO:
PASS
RETURN ON ASSETS:
PASS
FREE CASH FLOW:
NEUTRAL
NET CASH POSITION:
NEUTRAL
Detailed Analysis of TIPTREE INC
TIPT Guru Analysis
TIPT Fundamental Analysis
SILICON MOTION TECHNOLOGY CORP. (ADR) (SIMO) is a small-cap value stock in the Semiconductors industry. The rating according to our strategy based on Peter Lynch changed from 74% to 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: SILICON MOTION TECHNOLOGY CORPORATION is a provider of negative-AND (NAND) flash controllers for Solid State Drives (SSDs) and other solid state storage devices. The Company is mainly engaged in the design, development and sale of low-power semiconductor solutions for original equipment manufacturers (OEMs) and other customers in the mobile storage market. The Company is mainly engaged in the development of NAND flash controller integrated circuits (ICs) for solid-state storage devices, as well as specialty radio frequency (RF) ICs for mobile devices. In the mobile storage market, the Company's products are controllers used in SSDs, Embedded Multimedia Cards (eMMCs) and other embedded storage products, as well as flash memory cards, universal serial bus (USB) flash drives and other expandable storage products. The Company's products are used in smartphones, tablets, personal computers (PCs) and other devices.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
P/E/GROWTH RATIO:
PASS
SALES AND P/E RATIO:
NEUTRAL
INVENTORY TO SALES:
PASS
EPS GROWTH RATE:
PASS
TOTAL DEBT/EQUITY RATIO:
PASS
FREE CASH FLOW:
NEUTRAL
NET CASH POSITION:
NEUTRAL
Detailed Analysis of SILICON MOTION TECHNOLOGY CORP. (ADR)
SIMO Guru Analysis
SIMO Fundamental Analysis
Peter Lynch Portfolio
About Peter Lynch: Perhaps the greatest mutual fund manager of all-time, Lynch guided Fidelity Investment's Magellan Fund to a 29.2 percent average annual return from 1977 until his retirement in 1990, almost doubling the S&P 500's 15.8 percent yearly return over that time. Lynch's common sense approach and quick wit made him one of the most quoted investors on Wall Street. ("Go for a business that any idiot can run -- because sooner or later, any idiot probably is going to run it," is one of his many pearls of wisdom.) Lynch's bestseller One Up on Wall Street is something of a "stocks for the everyman/everywoman", breaking his approach down into easy-to-understand concepts.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Validea Peter Lynch Strategy Daily Upgrade Report - 4/22/2025

The NASDAQ 100 Pre-Market Indicator is up 69.45 to 21,572.62. The total Pre-Market volume is currently 233,213,644 shares traded.
The following are the most active stocks for the pre-market session:
Rezolve AI Limited (RZLV) is +0.3488 at $3.58, with 8,953,982 shares traded.
Carbon Revolution Public Limited Company (CREV) is +7.7 at $11.59, with 8,313,937 shares traded.
D-Wave Quantum Inc. (QBTS) is +0.23 at $8.38, with 4,566,119 shares traded.
NVIDIA Corporation (NVDA) is +0.73 at $140.40, with 3,791,325 shares traded. Over the last four weeks they have had 3 up revisions for the earnings forecast, for the fiscal quarter ending Jul 2025. The consensus EPS forecast is $0.95.
Direxion Daily TSLA Bull 2X Shares (TSLL) is +0.64 at $32.49, with 2,581,266 shares traded. This represents a 557.69% increase from its 52 Week Low.
Pfizer, Inc. (PFE) is +0.03 at $26.74, with 2,270,224 shares traded.
American Airlines Group, Inc. (AAL) is -0.15 at $17.10, with 1,938,987 shares traded. Over the last four weeks they have had 6 up revisions for the earnings forecast, for the fiscal quarter ending Dec 2024. The consensus EPS forecast is $0.57.
Jiayin Group Inc. (JFIN) is -0.47 at $5.96, with 1,456,819 shares traded.
BigBear.ai, Inc. (BBAI) is +0.02 at $3.21, with 1,316,676 shares traded.
IonQ, Inc. (IONQ) is +0.52 at $41.84, with 929,440 shares traded.
NIO Inc. (NIO) is +0.0597 at $4.54, with 843,245 shares traded.
Joby Aviation, Inc. (JOBY) is +0.0499 at $7.67, with 337,050 shares traded.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Pre-Market Most Active for Dec 24, 2024 : RZLV, CREV, QBTS, NVDA, TSLL, PFE, AAL, JFIN, BBAI, IONQ, NIO, JOBY

(RTTNews) - Jiayin Group (JFIN) reported third quarter net income of RMB 269.6 million, a decrease of 16.8% from the same period of 2023. Net income per ADS was RMB 5.08 compared with RMB 6.04. Net revenue was RMB 1.44 billion, a decrease of 1.5% from the same period of 2023. Loan facilitation volume was RMB 26.7 billion, an increase of 10.3%.
The company expects its loan facilitation volume for the fourth quarter of 2024 to reach no less than RMB 25 billion.
For more earnings news, earnings calendar, and earnings for stocks, visit rttnews.com.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Jiayin Group Q3 Net Income Declines - Quick Facts

(RTTNews) - Jiayin Group (JFIN) reported first quarter net income of RMB 273.1 million, a decrease of 2.4% from RMB 279.7 million, last year. Net income per ADS was RMB 5.16, compared to RMB 5.24.
Net revenue was RMB 1.47 billion, an increase of 31.5% from the same period of 2023. Loan facilitation volume was RMB 22.5 billion, an increase of 13.6% from the same period of 2023.
The company expects loan facilitation volume for 2024 to be in the range of RMB 93 billion to RMB 98 billion and loan facilitation volume for the second quarter to be around RMB 23 billion.
On June 4, 2024, the Board of Directors approved the payment of cash dividend of $0.50 per American depositary share for the first tranche of dividends in fiscal 2024. Also, the Board of Directors approved to extend the share repurchase plan for a period of 12 months, commencing on June 13, 2024 and ending on June 12, 2025.
For more earnings news, earnings calendar, and earnings for stocks, visit rttnews.com.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Jiayin Group Q1 Net Income Declines; Net Revenue Up 31.5%

Dividend investing can be deceptively tricky. Yields are typically the go-to metric for income investors looking for their new long-term money-maker. However, some companies pay out fluctuating dividends, making them unreliable in the long run.
Some investors mitigate this issue by investing in Dividend Kings and Aristocrats, companies with consistent increases across impressive time horizons. This strategy is perfectly reasonable to generate passive income from a portfolio.
Other investors, meanwhile, tend to be more adventurous with their money. They tend to seek out high-yielding stocks, ride out the wave, and exit with as much profit as possible.
Further yet, others might scour the market for companies that had just started paying dividends, getting in on the ground floor before stock prices and dividend payouts start moving up. While the strategy carries some risk, there’s no denying the appeal of buying a future dividend superstar before anybody else.
So, let’s take a look at some of these potential additions to your long-term portfolio.
Methodology
To get the companies on this list, I screened for stocks that either paid dividends or enacted a dividend policy for the first time within the last 12 months. Afterward, I reviewed each one to see what it offered.
Of course, paying dividends is different from having the ability to pay dividends consistently, so I then added in the following criteria to get companies with the best prospects:
Positive net income growth year-over-year and
A dividend payout ratio not exceeding 30%
The results are in: Three companies arranged based on yields from lowest to highest.
T-Mobile is a well-known wireless network operator in the United States. The company provides wireless telecom services, including data communications, text messaging, and VOIP calls. Like most telecom service providers, it offers complementary services like distributing smartphones and other smart devices.
Late in 2023, the company unveiled a new dividend policy with a quarterly payout scheme. Dividends are 65 cents a share per quarter, or $2.60 annually. Based on current prices, this represents a 1.61% yield.
A few things excite me about TMUS’s new dividend policy.
First, the company expects dividends to increase by 10% annually. While the Dividend Aristocrat status is quite far off, it wouldn’t be surprising if the company was swinging for the title.
Secondly, based on market cap, T-Mobile is currently the biggest telecom company in the US (and second in the world).
Third, T-Mobile’s FY’23 results were quite impressive. Total revenues may have fallen by 1.3%, but net income grew by a strong 221.1% YOY. Diluted EPS also saw a 236.4% bump to $6.93. It can increase its dividends, especially with its cozy 9.04% payout ratio based on three out of four quarterly payouts.
Based on these factors, I’d say that income investors holding TMUS stock may be looking at significant growth in the future.
Opportunity Financial, or OppFI, is an American fintech company that aims to "extend credit access to everyday Americans.”
OppFi’s fully digital financial solutions use AI-powered algorithms to help customers with stable incomes find the best credit options that fit their financial needs. Indeed, with over 250k applications a month, OppFi's automation platform makes fully automated lending decisions for 71.9% of all applications. This is just one way the company significantly reduces the red tape on loans, making them accessible to individuals that traditional banks consider “high-risk borrowers.”
OppFi, in its current form, went public back in 2021. So far, the company has been doing well, with 2023 being its ninth consecutive year in the green. Even more impressive, 2023’s YOY net income growth reached 1,082%.
In line with its continued successes and as the first steps to consistently improve value for shareholders, OppFi has announced a special dividend of 12-cents per share, payable on May 1, 2024. Assuming 12-cents is it's payout for the trailing twelve months, it would translate to a decent 4.17% yield and a 23.5% payout ratio based on FY'23s adjusted EPS of 51 cents.
Additionally, the company has initiated a 3-year $20 million share repurchase program to further improve shareholder value. Judging from OppFI certainly has enough cashflow to pay a consistent dividend - the only question is, will they?
Jiayin Group is a Chinese fintech company fostering connections between banking institutions, underserved communities, and individuals. It also has a business-to-business segment that provides risk management and assessment for other banks.
As of the time of writing, JFIN has only paid dividends twice, once in August 2023 and the other in January 2024. These payouts amount to 80 cents USD, which reflects a 12.76% yield.
According to the company’s newly minted dividend policy, it will “continue to declare and distribute a recurring cash dividend semi-annually,” so we can expect another payout in July this year. The good news doesn’t end there, though. Jiayin also said it will increase dividends if “market conditions improve.”
The company’s dividend payout ratio is also at a low 25% based on 2022’s net income. Meanwhile, 2023’s year-end report saw a 9.9% bottom-line increase. This comes with several notable improvements across key metrics like repeat borrowing rate, loan facilitation volume, income from operations, and net revenue.
If Jiayin makes good on its promise of increasing dividends based on improving performance—and I have no reason to suspect otherwise—then income investors are in for a good time.
On the date of publication, Rick Orford did not have (either directly or indirectly) positions in any of the securities mentioned in this article. All information and data in this article is solely for informational purposes. For more information please view the Barchart Disclosure Policy here.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Jiayin Group Inc.

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