Jiayin Group Inc.(JFIN)Earnings, Financials & Key Ratios
JFIN•NASDAQ
6.5× P/E·Price updated Jun 19, 2026
SectorCommunication ServicesIndustryInternet ServicesSub-IndustryConsumer Apps and Utility Platforms
AboutJiayin 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.Show more
- Revenue$866M-85.1%
- EBITDA$260M-79.5%
- Net Income$214M-79.8%
- EPS (Diluted)4.16-79.1%
- Gross Margin77.86%+19.9%
- EBITDA Margin30.03%+37.6%
- Operating Margin28.89%+34.3%
- Net Margin24.68%+35.5%
- ROE5.65%-85.3%
JFIN Key Insights
Jiayin Group Inc. (JFIN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Excellent 3Y average ROE of 38.6%
- ✓FCF machine: 71.9% free cash flow margin
- ✓High quality earnings: Operating CF exceeds net income
- ✓Share count reduced 3.2% through buybacks
- ✓Healthy 5Y average net margin of 25.8%
- ✓Trading at only 0.3x book value
✗Weaknesses
- ✗Weak momentum: RS Rating 12 (bottom 12%)
- ✗Sales declining 7.8% over 5 years
- ✗Trading more than 30% below 52-week high
- ✗Low asset turnover indicates capital-intensive operations
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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JFIN Price & Volume
Jiayin Group Inc. (JFIN) stock price & volume — 10-year historical chart
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JFIN Growth Metrics
Jiayin Group Inc. (JFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-7.81%
3 Years-35.8%
TTM7%
Profit CAGR
10 Years-
5 Years-3.32%
3 Years-43.42%
TTM45.23%
EPS CAGR
10 Years-
5 Years-2.33%
3 Years-42.53%
TTM46.99%
Return on Capital
10 Years198.02%
5 Years198.02%
3 Years33.57%
Last Year5.91%
JFIN Recent Earnings
Jiayin Group Inc. (JFIN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (100%)●Beat Revenue 5/12 qtrs (100%)
Q2 2026Latest
Mar 31, 2026Metric
Actual
Est
EPS
$0.28+64.0%
$0.17
Rev
$154M+188.0%
$53M
Q4 2025
Nov 25, 2025Metric
Actual
Est
EPS
$1.04
—
Rev
$206M
—
Q3 2025
Aug 20, 2025Metric
Actual
Est
EPS
$1.36
—
Rev
$263M
—
Q3 2025
Jun 4, 2025Metric
Actual
Est
EPS
$1.40
—
Rev
$244M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 31, 2026 | $0.28vs $0.17+64.0% | $154Mvs $53M+188.0% |
| Q4 2025 | Nov 25, 2025 | $1.04 | $206M |
| Q3 2025 | Aug 20, 2025 | $1.36 | $263M |
| Q3 2025 | Jun 4, 2025 | $1.40 | $244M |
Based on last 12 quarters of dataView full earnings history →
JFIN Peer Comparison
Jiayin Group Inc. (JFIN) competitors in Consumer Apps and Utility Platforms — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 QFIN | 1.98B | 15.21 | 1.20 | 8.83% | 33.86% | 24.95% | 0.16 | |
 LX | 337.33M | 2.00 | 1.48 | -9.94% | 11.52% | 14.68% | 0.40 | |
 FINV | 1.18B | 4.67 | 3.38 | 1.03% | 18.75% | 6.05% | 0.08 | |
 YRD | 99.97M | 1.15 | 8.64 | -4.03% | 0.92% | 0.54% | 0.00 | |
 NTES | 77.46B | 121.33 | 15.70 | 6.96% | 29.84% | 21.02% | 0.04 | |
 KC | 2.98B | 10.06 | -20.61 | 22.78% | -9.79% | -13% | 0.69 | |
 TIGR | 873.3M | 4.71 | 5.12 | 56.74% | 24.18% | 17.64% | 0.20 | |
 FUTU | 13.49B | 96.64 | 9.46 | 67.83% | 44.27% | 26.38% | 0.44 |
Compare JFIN vs Peers
Jiayin Group Inc. (JFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
JFIN Income Statement
Jiayin Group Inc. (JFIN) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Sales/Revenue | 2.25B | 2.88B | 2.23B | 1.3B | 1.78B | 3.27B | 5.47B | 5.8B | 865.58M |
Revenue Growth % | 280.79% | 28.04% | -22.62% | -41.7% | 36.94% | 83.74% | 67.11% | 6.11% | -85.08% |
Cost of Goods Sold | 229.35M | 401.68M | 425.56M | 239.2M | 335.93M | 565.23M | 2.01B | 2.03B | 191.64M |
COGS % of Revenue | 10.19% | 13.94% | 19.08% | 18.4% | 18.87% | 17.28% | 36.8% | 35.05% | 22.14% |
Gross Profit | 2.02B▲ 0% | 2.48B▲ 22.7% | 1.8B▼ 27.2% | 1.06B▼ 41.2% | 1.44B▲ 36.2% | 2.71B▲ 87.3% | 3.46B▲ 27.7% | 3.77B▲ 9.0% | 673.94M▼ 82.1% |
Gross Margin % | 89.81% | 86.06% | 80.92% | 81.6% | 81.13% | 82.72% | 63.2% | 64.95% | 77.86% |
Gross Profit Growth % | 351.33% | 22.69% | -27.24% | -41.21% | 36.16% | 87.34% | 27.68% | 9.04% | -82.11% |
Operating Expenses | 1.33B | 1.8B | 1.27B | 758.85M | 1.01B | 1.52B | 2.12B | 2.52B | 423.91M |
OpEx % of Revenue | 59.3% | 62.29% | 56.94% | 58.37% | 56.87% | 46.59% | 38.83% | 43.43% | 48.97% |
Selling, General & Admin | 980.46M | 877.05M | 830.19M | 530.03M | 824.44M | 1.28B | 1.75B | 2.13B | 2.73B |
SG&A % of Revenue | 43.56% | 30.43% | 37.23% | 40.77% | 46.3% | 38.99% | 32.08% | 36.8% | 315.45% |
Research & Development | 180.97M | 184.3M | 201.4M | 151.55M | 143.73M | 216.69M | 296.32M | 372.44M | 427.13M |
R&D % of Revenue | 8.04% | 6.4% | 9.03% | 11.66% | 8.07% | 6.62% | 5.42% | 6.42% | 49.35% |
Other Operating Expenses | 12.61M | 20.3M | 238.35M | 77.28M | 44.43M | 32.05M | 72.76M | 12.2M | -2.73B |
Operating Income | 686.66M▲ 0% | 685.21M▼ 0.2% | 534.67M▼ 22.0% | 302.11M▼ 43.5% | 431.96M▲ 43.0% | 1.18B▲ 173.6% | 1.33B▲ 12.7% | 1.25B▼ 6.3% | 250.03M▼ 80.0% |
Operating Margin % | 30.51% | 23.78% | 23.97% | 23.24% | 24.26% | 36.13% | 24.37% | 21.51% | 28.89% |
Operating Income Growth % | 233.9% | -0.21% | -21.97% | -43.5% | 42.98% | 173.64% | 12.73% | -6.34% | -79.97% |
EBITDA | 690.76M | 696.51M | 552.38M | 325.26M | 447.63M | 1.19B | 1.34B | 1.27B | 259.89M |
EBITDA Margin % | 30.69% | 24.17% | 24.77% | 25.02% | 25.14% | 36.44% | 24.55% | 21.82% | 30.03% |
EBITDA Growth % | 235% | 0.83% | -20.69% | -41.12% | 37.62% | 166.29% | 12.58% | -5.67% | -79.47% |
D&A (Non-Cash Add-back) | 4.1M | 11.3M | 17.71M | 23.16M | 15.67M | 9.96M | 9.46M | 17.87M | 9.86M |
EBIT | 686.66M | 685.21M | 534.67M | 302.11M | 431.96M | 1.18B | 1.33B | 1.25B | 260.61M |
Net Interest Income | 1.92M | 169K | 5.72M | 7.72M | -173.19K | 281K | 12.89M | 18.28M | 1.24M |
Interest Income | 1.92M | 169K | 5.72M | 7.72M | -173.19K | 281K | 12.89M | 18.28M | 1.24M |
Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Income/Expense | 14.53M | 20.47M | 29.52M | 56.77M | 161.53M | 153.61M | 212.72M | 47.35M | 10.58M |
Pretax Income | 701.19M▲ 0% | 705.67M▲ 0.6% | 564.19M▼ 20.0% | 358.88M▼ 36.4% | 593.49M▲ 65.4% | 1.34B▲ 125.0% | 1.55B▲ 15.7% | 1.3B▼ 16.2% | 260.61M▼ 79.9% |
Pretax Margin % | 31.15% | 24.49% | 25.3% | 27.6% | 33.33% | 40.83% | 28.26% | 22.33% | 30.11% |
Income Tax | 161.65M | 93.92M | 37.01M | 108.81M | 125.72M | 155.4M | 247.62M | 238.9M | 46.97M |
Effective Tax Rate % | 23.05% | 13.31% | 6.56% | 30.32% | 21.18% | 11.63% | 16.02% | 18.44% | 18.02% |
Net Income | 539.54M▲ 0% | 611.76M▲ 13.4% | 527.75M▼ 13.7% | 252.88M▼ 52.1% | 472.09M▲ 86.7% | 1.18B▲ 149.9% | 1.3B▲ 10.0% | 1.06B▼ 18.6% | 213.64M▼ 79.8% |
Net Margin % | 23.97% | 21.23% | 23.66% | 19.45% | 26.51% | 36.06% | 23.74% | 18.21% | 24.68% |
Net Income Growth % | 238.43% | 13.38% | -13.73% | -52.08% | 86.68% | 149.88% | 10% | -18.58% | -79.78% |
Net Income (Continuing) | 539.54M | 611.76M | 527.18M | 250.07M | 467.76M | 1.18B | 1.3B | 1.06B | 213.64M |
Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Minority Interest | 0 | 0 | 255K | -2.14M | -2.12M | -1.58M | -1.68M | -1.66M | -1.56M |
EPS (Diluted) | 10.79▲ 0% | 12.24▲ 13.4% | 10.04▼ 18.0% | 4.68▼ 53.4% | 8.72▲ 86.3% | 21.92▲ 151.4% | 24.24▲ 10.6% | 19.88▼ 18.0% | 4.16▼ 79.1% |
EPS Growth % | 238.33% | 13.44% | -17.97% | -53.39% | 86.32% | 151.38% | 10.58% | -17.99% | -79.07% |
EPS (Basic) | 10.79 | 12.24 | 10.04 | 4.68 | 8.76 | 21.92 | 24.24 | 19.88 | 4.16 |
Diluted Shares Outstanding | 50M | 50M | 52.6M | 54.02M | 54.02M | 53.81M | 53.5M | 53.11M | 51.43M |
Basic Shares Outstanding | 50M | 50M | 52.6M | 54.03M | 54.14M | 53.82M | 53.53M | 53.14M | 51.43M |
Dividend Payout Ratio | - | 65.39% | - | - | 0.55% | - | 12.07% | 28.51% | 50.63% |
JFIN Balance Sheet
Jiayin Group Inc. (JFIN) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Total Current Assets | 2.47B | 716.63M | 552.65M | 370.51M | 786.6M | 2.81B | 5.39B | 4.34B | 6.92B |
Cash & Short-Term Investments | 606.1M | 41.44M | 191.77M | 117.32M | 182.55M | 291.02M | 370.19M | 540.52M | 61.84M |
Cash Only | 606.1M | 41.44M | 122.15M | 117.32M | 182.55M | 291.02M | 370.19M | 540.52M | 61.84M |
Short-Term Investments | 0 | 0 | 69.62M | 0 | 0 | 0 | 0 | 0 | 0 |
Accounts Receivable | 799.29M | 539.93M | 110.22M | 158.06M | 502.43M | 2.05B | 4.03B | 3.49B | 5.23B |
Days Sales Outstanding | 129.61 | 68.38 | 18.04 | 44.37 | 103 | 228.22 | 269.23 | 219.62 | 2.2K |
Inventory | 273.54M | 129.73M | -130.72M | 0 | -37.35M | 0 | 0 | 0 | 0 |
Days Inventory Outstanding | 435.33 | 117.89 | - | - | - | - | - | - | - |
Other Current Assets | 425.51M | 47.02M | 290.39M | 33.84M | 119.55M | 458.4M | 987.25M | 309.54M | 781.01M |
Total Non-Current Assets | 63.64M | 85.25M | 148.42M | 154.86M | 184.83M | 209.54M | 254.91M | 1.07B | 1.83B |
Property, Plant & Equipment | 23.87M | 29.01M | 76.3M | 26.38M | 44.61M | 46.5M | 89.99M | 97.16M | 1.36B |
Fixed Asset Turnover | 94.30x | 99.34x | 29.23x | 49.30x | 39.92x | 70.35x | 60.75x | 59.71x | 0.64x |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 80.13M | 113.93M | 0 | 0 | 0 | 0 | 0 |
Long-Term Investments | 0 | 0 | 3.83M | 87.55M | 90.53M | 90.5M | 101.48M | 162.27M | 302.08M |
Other Non-Current Assets | 1.38M | 212K | -80.13M | -113.93M | 1.24M | 1.76M | 2.26M | 737.58M | 76.55M |
Total Assets | 2.53B▲ 0% | 801.88M▼ 68.3% | 701.07M▼ 12.6% | 525.37M▼ 25.1% | 971.43M▲ 84.9% | 3.02B▲ 211.0% | 5.64B▲ 86.9% | 5.41B▼ 4.2% | 8.76B▲ 61.9% |
Asset Turnover | 0.89x | 3.59x | 3.18x | 2.47x | 1.83x | 1.08x | 0.97x | 1.07x | 0.10x |
Asset Growth % | 24.91% | -68.31% | -12.57% | -25.06% | 84.9% | 210.97% | 86.86% | -4.16% | 61.85% |
Total Current Liabilities | 4.46B | 2.45B | 1.41B | 983.94M | 910.44M | 1.78B | 2.28B | 2.02B | 3.68B |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Days Payables Outstanding | - | - | - | - | - | - | - | - | - |
Short-Term Debt | 0 | 70.4M | 0 | 3.19M | 0 | 0 | 0 | 0 | 155.04M |
Deferred Revenue (Current) | -106.42M | 0 | 181.64M | 0 | 0 | 276.52M | 886.86M | 229.5M | 458.9M |
Other Current Liabilities | 3.87B | 1.57B | -4.27M | -6.51M | -16.91M | 30.19M | 82.09M | 132.51M | 675.8M |
Current Ratio | 0.55x | 0.29x | 0.39x | 0.38x | 0.86x | 1.58x | 2.36x | 2.15x | 1.88x |
Quick Ratio | 0.49x | 0.24x | 0.49x | 0.38x | 0.90x | 1.58x | 2.36x | 2.15x | 1.88x |
Cash Conversion Cycle | - | - | - | - | - | - | - | - | - |
Total Non-Current Liabilities | 0 | 0 | 35.22M | 5.2M | 35.24M | 2.48M | 981.9M | 265.32M | 640.09M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 516M |
Capital Lease Obligations | 0 | 0 | 32.48M | 1.87M | 18.34M | 2.48M | 47.96M | 51.68M | 4.3M |
Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 106.91M |
Other Non-Current Liabilities | 0 | 0 | 2.73M | 3.32M | 16.91M | 212.23M | 933.95M | 213.64M | 12.88M |
Total Liabilities | 4.46B | 2.45B | 1.44B | 989.14M | 945.68M | 1.78B | 3.26B | 2.28B | 4.32B |
Total Debt | 104M | 70.4M | 35.22M | 8.39M | 35.24M | 27.46M | 63.53M | 51.68M | 700.63M |
Net Debt | -502.1M | 28.96M | -86.93M | -108.93M | -147.31M | -263.55M | -306.67M | -488.85M | 638.79M |
Debt / Equity | - | - | - | - | 1.37x | 0.02x | 0.03x | 0.02x | 0.16x |
Debt / EBITDA | 0.15x | 0.10x | 0.06x | 0.03x | 0.08x | 0.02x | 0.05x | 0.04x | 2.70x |
Net Debt / EBITDA | -0.73x | 0.04x | -0.16x | -0.33x | -0.33x | -0.22x | -0.23x | -0.39x | 2.46x |
Interest Coverage | - | - | - | - | - | - | - | - | - |
Total Equity | -1.93B▲ 0% | -1.65B▲ 14.5% | -741.6M▲ 55.1% | -463.76M▲ 37.5% | 25.75M▲ 105.6% | 1.24B▲ 4721.6% | 2.38B▲ 91.7% | 3.13B▲ 31.4% | 4.43B▲ 41.7% |
Equity Growth % | 24.56% | 14.47% | 55.11% | 37.46% | 105.55% | 4721.56% | 91.74% | 31.39% | 41.69% |
Book Value per Share | -38.63 | -33.04 | -14.10 | -8.58 | 0.48 | 23.07 | 44.50 | 58.89 | 86.17 |
Total Shareholders' Equity | -1.93B | -1.65B | -741.85M | -461.62M | 27.86M | 1.24B | 2.38B | 3.13B | 4.43B |
Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | -2.26B | -2.05B | -1.52B | -1.27B | -794.76M | 384.9M | 1.53B | 2.24B | 3.48B |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | -9.26M | -35.44M | -28.89M | -189.69M |
Accumulated OCI | -5.95M | -17.25M | 469K | -12.82M | -17.95M | -3.11M | -10.19M | 7.1M | 10.85M |
Minority Interest | 0 | 0 | 255K | -2.14M | -2.12M | -1.58M | -1.68M | -1.66M | -1.56M |
JFIN Cash Flow Statement
Jiayin Group Inc. (JFIN) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 104.75M | -228.37M | 26.29M | -35.51M | 184.54M | 915.37M | 389.59M | 1.43B | 1.26B |
Operating CF Margin % | 4.65% | -7.92% | 1.18% | -2.73% | 10.36% | 27.98% | 7.13% | 24.57% | 145.26% |
Operating CF Growth % | -59.32% | -318.01% | 111.51% | -235.05% | 619.76% | 396.03% | -57.44% | 265.9% | -11.79% |
Net Income | 539.54M | 611.76M | 527.18M | 250.07M | 467.76M | 8.09B | 1.3B | 1.06B | 1.54B |
Depreciation & Amortization | 4.1M | 11.3M | 17.71M | 23.16M | 15.67M | 68.25M | 9.46M | 17.87M | 70.9M |
Stock-Based Compensation | 89.4M | 67.78M | 147.58M | 30.65M | 15.19M | 291.54M | 54.35M | 59.12M | 157.94M |
Deferred Taxes | 0 | 0 | -61.65M | 151.96M | 39.16M | -152.95M | 0 | 0 | 0 |
Other Non-Cash Items | 130.94M | 265.96M | 293.52M | -114.02M | -136.3M | -380.34M | -91.43M | 33.1M | 54.9M |
Working Capital Changes | -659.23M | -1.19B | -898.05M | -377.32M | -216.94M | -7B | -880.41M | 258.93M | -562.12M |
Change in Receivables | -535.55M | -6.62M | -82.82M | -224.41M | -344.39M | -8.44B | -497.47M | -184.79M | -1.08B |
Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Change in Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash from Investing | 61.22M | -16.42M | -234.18M | 33.23M | -126.22M | -157.25M | -105.85M | -783.52M | -1.95B |
Capital Expenditures | -21.74M | -16.89M | -27.61M | -848K | -2.77M | -119.69M | -31.54M | -739.13M | -635.08M |
CapEx % of Revenue | 0.97% | 0.59% | 1.24% | 0.07% | 0.16% | 3.66% | 0.58% | 12.74% | 73.37% |
Acquisitions | 0 | 0 | -11.15M | -3.38M | -111.04M | 0 | -68.75M | -2.68M | 16.85M |
Investments | - | - | - | - | - | - | - | - | - |
Other Investing | 82.96M | 466K | -123.95M | 37.45M | -12.41M | -37.56M | -5.56M | -13.15M | -1.16B |
Cash from Financing | 13.88M | -433.6M | 244.67M | 10.6M | 9.94M | -86.1M | -193.48M | -332.69M | 487.17M |
Debt Issued (Net) | 13.88M | 70.77M | 230K | 3.11M | 0 | 0 | 0 | 21.58M | 706.06M |
Equity Issued (Net) | 0 | 0 | 243.63M | 0 | 0 | -14.75M | -38.08M | -53.26M | -110.73M |
Dividends Paid | 0 | -400M | 0 | 0 | -2.59M | 0 | -156.67M | -301.18M | -108.16M |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | -14.75M | -38.08M | -53.26M | -110.73M |
Other Financing | 0 | -104.36M | 815K | 7.48M | 12.52M | -71.35M | 1.27M | 169K | 0 |
Net Change in Cash | 179.84M▲ 0% | -678.39M▼ 477.2% | 39.21M▲ 105.8% | -2.83M▼ 107.2% | 65.25M▲ 2406.4% | 743.26M▲ 1039.2% | 79.59M▼ 89.3% | 305.23M▲ 283.5% | -202.42M▼ 166.3% |
Free Cash Flow | 83.01M▲ 0% | -245.26M▼ 395.5% | -1.32M▲ 99.5% | -36.35M▼ 2660.3% | 181.77M▲ 600.0% | 795.68M▲ 337.7% | 358.05M▼ 55.0% | 686.36M▲ 91.7% | 622.27M▼ 9.3% |
FCF Margin % | 3.69% | -8.51% | -0.06% | -2.8% | 10.21% | 24.32% | 6.55% | 11.83% | 71.89% |
FCF Growth % | -66.9% | -395.46% | 99.46% | -2660.29% | 600.02% | 337.74% | -55% | 91.7% | -9.34% |
FCF per Share | 1.66 | -4.91 | -0.03 | -0.67 | 3.36 | 14.79 | 6.69 | 12.92 | 12.10 |
FCF Conversion (FCF/Net Income) | 0.19x | -0.37x | 0.05x | -0.14x | 0.39x | 0.78x | 0.30x | 1.35x | 5.89x |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Taxes Paid | 91.03M | 33.77M | 55.58M | 162K | 6.61M | 1.9M | 40.9M | 118.68M | 34.16M |
JFIN Key Ratios
Jiayin Group Inc. (JFIN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | - | - | - | - | - | 1833.41% | 186.18% | 71.65% | 38.36% | 5.65% |
Return on Invested Capital (ROIC) | - | - | - | - | - | - | 207.03% | 65.49% | 39.72% | 4.87% |
Gross Margin | 75.77% | 89.81% | 86.06% | 80.92% | 81.6% | 81.13% | 82.72% | 63.2% | 64.95% | 77.86% |
Net Margin | -65.94% | 23.97% | 21.23% | 23.66% | 19.45% | 26.51% | 36.06% | 23.74% | 18.21% | 24.68% |
Debt / Equity | - | - | - | - | - | 1.37x | 0.02x | 0.03x | 0.02x | 0.16x |
FCF Conversion | -0.66x | 0.19x | -0.37x | 0.05x | -0.14x | 0.39x | 0.78x | 0.30x | 1.35x | 5.89x |
Revenue Growth | - | 280.79% | 28.04% | -22.62% | -41.7% | 36.94% | 83.74% | 67.11% | 6.11% | -85.08% |
Related:JFIN Dividend History·JFIN Revenue History·JFIN Price History·JFIN P/E History·JFIN Financial Ratios·JFIN Institutional Holders
JFIN Frequently Asked Questions
Jiayin Group Inc. (JFIN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Jiayin Group Inc. (JFIN) reported $6.21B in revenue for fiscal year 2025. This represents a 950% increase from $591.1M in 2016.
Jiayin Group Inc. (JFIN) saw revenue decline by 85.1% over the past year.
Yes, Jiayin Group Inc. (JFIN) is profitable, generating $1.53B in net income for fiscal year 2025 (24.7% net margin).
Dividend & Returns
Yes, Jiayin Group Inc. (JFIN) pays a dividend with a yield of 7.76%. This makes it attractive for income-focused investors.
Jiayin Group Inc. (JFIN) has a return on equity (ROE) of 5.7%. This is below average, suggesting room for improvement.
Jiayin Group Inc. (JFIN) generated $622.3M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.