To analyze the cooling performance of fin-tube evaporator in the refrigerator truck using R744 according to frost growth, the analytical model of evaporator was developed under frost and non-frost conditions. The performance of fin-tube evaporator was investigated with frost thickness and indoor temperature. Besides, the performance of evaporator under frost condition was compared to that under non-frost condition. As a result, area of air passage and system performance were decreased as the frost thickness increased. The cooling capacity was reduced by 10%, 20%, 30% when the frost thickness was 0.7 mm, 1.1 mm, and 1.6 mm respectively. At these conditions, the block ratio was 31%, 48%, and 71%. In addition, the outlet quality of refrigerant was not over 1 when the frost thickness was 1.6 mm in spite of high indoor air temperature.