Jiayin Group Inc.(JFIN)Earnings, Financials & Key Ratios
JFIN•NASDAQ
$4.93
$532M mkt cap·1.7× P/E·Price updated May 6, 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$5.8B+6.1%
- EBITDA$1.27B-5.7%
- Net Income$1.06B-18.6%
- EPS (Diluted)19.88-18.0%
- Gross Margin64.95%+2.8%
- EBITDA Margin21.82%-11.1%
- Operating Margin21.51%-11.7%
- Net Margin18.21%-23.3%
- ROE38.36%-46.5%
- ROIC39.86%-39.5%
- Debt/Equity0.02-18.0%
JFIN Key Insights
Jiayin Group Inc. (JFIN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Excellent 3Y average ROE of 98.7%
- ✓High quality earnings: Operating CF exceeds net income
- ✓Strong 5Y sales CAGR of 21.1%
- ✓Healthy 5Y average net margin of 24.8%
- ✓Trading at only 0.6x book value
✗Weaknesses
- ✗Weak momentum: RS Rating 8 (bottom 8%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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 Years21.07%
3 Years48.25%
TTM8.99%
Profit CAGR
10 Years-
5 Years14.89%
3 Years30.8%
TTM48.92%
EPS CAGR
10 Years-
5 Years14.64%
3 Years31.61%
TTM50.56%
Return on Capital
10 Years241.42%
5 Years241.42%
3 Years85.82%
Last Year32.25%
JFIN Recent Earnings
Jiayin Group Inc. (JFIN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (100%)●Beat Revenue 5/12 qtrs (100%)
Q2 2026Latest
Mar 31, 2026EPS
$0.28
Est $0.17
+64.0%
Revenue
$154M
Est $53M
+188.0%
Q4 2025
Nov 25, 2025EPS
$1.04
Revenue
$206M
Q3 2025
Aug 20, 2025EPS
$1.36
Revenue
$263M
Q3 2025
Jun 4, 2025EPS
$1.40
Revenue
$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 | 3.76B | 13.26 | 2.16 | 5.38% | 36.49% | 28.76% | 35.81% | 0.07 |
 LX | 148.39M | 2.08 | 2.18 | 8.78% | 7.75% | 14.68% | 82.48% | 0.49 |
 FINV | 2.89B | 5.10 | 3.84 | 3.69% | 18.24% | 17.43% | 14.54% | 0.00 |
 YRD | 345.21M | 2.00 | 0.75 | 18.59% | 27.25% | 12.66% | 60.12% | 0.00 |
 NTES | 72.88B | 115.10 | 15.39 | 4.05% | 30% | 20.38% | 9.73% | 0.04 |
 KC | 3.76B | 15.34 | -12.91 | 10.47% | -10.76% | -13.72% | 0.94 | |
 TIGR | 650.09M | 6.66 | 18.50 | 43.68% | 15.51% | 17.64% | 100% | 0.27 |
 FUTU | 55.94B | 157.34 | 31.71 | 35.79% | 40.05% | 26.38% | 7.03% | 0.31 |
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
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 591.1M | 2.25B | 2.88B | 2.23B | 1.3B | 1.78B | 3.27B | 5.47B | 5.8B | 6.54B |
| Revenue Growth % | - | 280.79% | 28.04% | -22.62% | -41.7% | 36.94% | 83.74% | 67.11% | 6.11% | 8.99% |
| Cost of Goods Sold | 143.2M | 229.35M | 401.68M | 425.56M | 239.2M | 335.93M | 565.23M | 2.01B | 2.03B | 1.25B |
| COGS % of Revenue | 24.23% | 10.19% | 13.94% | 19.08% | 18.4% | 18.87% | 17.28% | 36.8% | 35.05% | - |
| Gross Profit | 447.9M▲ 0% | 2.02B▲ 351.3% | 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% | 5.29B▲ 0% |
| Gross Margin % | 75.77% | 89.81% | 86.06% | 80.92% | 81.6% | 81.13% | 82.72% | 63.2% | 64.95% | 80.92% |
| Gross Profit Growth % | - | 351.33% | 22.69% | -27.24% | -41.21% | 36.16% | 87.34% | 27.68% | 9.04% | - |
| Operating Expenses | 960.7M | 1.33B | 1.8B | 1.27B | 758.85M | 1.01B | 1.52B | 2.12B | 2.52B | 3.19B |
| OpEx % of Revenue | 162.53% | 59.3% | 62.29% | 56.94% | 58.37% | 56.87% | 46.59% | 38.83% | 43.43% | - |
| Selling, General & Admin | 522.72M | 980.46M | 877.05M | 830.19M | 530.03M | 824.44M | 1.28B | 1.75B | 2.13B | 2.74B |
| SG&A % of Revenue | 88.43% | 43.56% | 30.43% | 37.23% | 40.77% | 46.3% | 38.99% | 32.08% | 36.8% | - |
| Research & Development | 88.7M | 180.97M | 184.3M | 201.4M | 151.55M | 143.73M | 216.69M | 296.32M | 372.44M | 405.63M |
| R&D % of Revenue | 15.01% | 8.04% | 6.4% | 9.03% | 11.66% | 8.07% | 6.62% | 5.42% | 6.42% | - |
| Other Operating Expenses | 3.33M | 12.61M | 20.3M | 238.35M | 77.28M | 44.43M | 32.05M | 72.76M | 12.2M | 4M |
| Operating Income | -512.8M▲ 0% | 686.66M▲ 233.9% | 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% | 2.1B▲ 0% |
| Operating Margin % | -86.75% | 30.51% | 23.78% | 23.97% | 23.24% | 24.26% | 36.13% | 24.37% | 21.51% | 32.06% |
| Operating Income Growth % | - | 233.9% | -0.21% | -21.97% | -43.5% | 42.98% | 173.64% | 12.73% | -6.34% | - |
| EBITDA | -511.68M | 690.76M | 696.51M | 552.38M | 325.26M | 447.63M | 1.19B | 1.34B | 1.27B | 2.1B |
| EBITDA Margin % | -86.56% | 30.69% | 24.17% | 24.77% | 25.02% | 25.14% | 36.44% | 24.55% | 21.82% | 32.06% |
| EBITDA Growth % | - | 235% | 0.83% | -20.69% | -41.12% | 37.62% | 166.29% | 12.58% | -5.67% | 91.45% |
| D&A (Non-Cash Add-back) | 1.12M | 4.1M | 11.3M | 17.71M | 23.16M | 15.67M | 9.96M | 9.46M | 17.87M | 0 |
| EBIT | -512.8M | 686.66M | 685.21M | 534.67M | 302.11M | 431.96M | 1.18B | 1.33B | 1.25B | 2.1B |
| Net Interest Income | 1.45M | 1.92M | 169K | 5.72M | 7.72M | -173.19K | 281K | 12.89M | 18.28M | 16.98M |
| Interest Income | 1.45M | 1.92M | 169K | 5.72M | 7.72M | -173.19K | 281K | 12.89M | 18.28M | 16.98M |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income/Expense | -218.82M | 14.53M | 20.47M | 29.52M | 56.77M | 161.53M | 153.61M | 212.72M | 47.35M | 32.76M |
| Pretax Income | -508.02M▲ 0% | 701.19M▲ 238.0% | 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% | 2.13B▲ 0% |
| Pretax Margin % | -85.94% | 31.15% | 24.49% | 25.3% | 27.6% | 33.33% | 40.83% | 28.26% | 22.33% | 32.56% |
| Income Tax | -118.27M | 161.65M | 93.92M | 37.01M | 108.81M | 125.72M | 155.4M | 247.62M | 238.9M | 417.46M |
| Effective Tax Rate % | 23.28% | 23.05% | 13.31% | 6.56% | 30.32% | 21.18% | 11.63% | 16.02% | 18.44% | 19.62% |
| Net Income | -389.75M▲ 0% | 539.54M▲ 238.4% | 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% | 1.71B▲ 0% |
| Net Margin % | -65.94% | 23.97% | 21.23% | 23.66% | 19.45% | 26.51% | 36.06% | 23.74% | 18.21% | 26.17% |
| Net Income Growth % | - | 238.43% | 13.38% | -13.73% | -52.08% | 86.68% | 149.88% | 10% | -18.58% | 48.92% |
| Net Income (Continuing) | -389.75M | 539.54M | 611.76M | 527.18M | 250.07M | 467.76M | 1.18B | 1.3B | 1.06B | 1.71B |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 255K | -2.14M | -2.12M | -1.58M | -1.68M | -1.66M | 0 |
| EPS (Diluted) | -7.80▲ 0% | 10.79▲ 238.3% | 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% | 33.34▲ 0% |
| EPS Growth % | - | 238.33% | 13.44% | -17.97% | -53.39% | 86.32% | 151.38% | 10.58% | -17.99% | 50.56% |
| EPS (Basic) | -7.80 | 10.79 | 12.24 | 10.04 | 4.68 | 8.76 | 21.92 | 24.24 | 19.88 | - |
| Diluted Shares Outstanding | 50M | 50M | 50M | 52.6M | 54.02M | 54.02M | 53.81M | 53.5M | 53.11M | 51.31M |
| Basic Shares Outstanding | 49.97M | 50M | 50M | 52.6M | 54.03M | 54.14M | 53.82M | 53.53M | 53.14M | 51.31M |
| Dividend Payout Ratio | - | - | 65.39% | - | - | 0.55% | - | 12.07% | 28.51% | - |
JFIN Balance Sheet
Jiayin Group Inc. (JFIN) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 1.9B | 2.47B | 716.63M | 552.65M | 370.51M | 786.6M | 2.81B | 5.39B | 4.34B | 6.1B |
| Cash & Short-Term Investments | 199.04M | 606.1M | 41.44M | 191.77M | 117.32M | 182.55M | 291.02M | 370.19M | 540.52M | 124.15M |
| Cash Only | 199.04M | 606.1M | 41.44M | 122.15M | 117.32M | 182.55M | 291.02M | 370.19M | 540.52M | 124.15M |
| Short-Term Investments | 0 | 0 | 0 | 69.62M | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 394.69M | 799.29M | 539.93M | 110.22M | 158.06M | 502.43M | 2.05B | 4.03B | 3.49B | 4.71B |
| Days Sales Outstanding | 243.72 | 129.61 | 68.38 | 18.04 | 44.37 | 103 | 228.22 | 269.23 | 219.62 | 228.57 |
| Inventory | 497.92M | 273.54M | 129.73M | -130.72M | 0 | -37.35M | 2.02M | 0 | 0 | 0 |
| Days Inventory Outstanding | 1.27K | 435.33 | 117.89 | - | - | - | 1.31 | - | - | - |
| Other Current Assets | 543.93M | 425.51M | 47.02M | 290.39M | 33.84M | 119.55M | 456.38M | 987.25M | 309.54M | 1.26B |
| Total Non-Current Assets | 127.09M | 63.64M | 85.25M | 148.42M | 154.86M | 184.83M | 209.54M | 254.91M | 1.07B | 1.81B |
| Property, Plant & Equipment | 5.4M | 23.87M | 29.01M | 76.3M | 26.38M | 44.61M | 46.5M | 89.99M | 97.16M | 1.38B |
| Fixed Asset Turnover | 109.52x | 94.30x | 99.34x | 29.23x | 49.30x | 39.92x | 70.35x | 60.75x | 59.71x | 6.10x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 80.13M | 113.93M | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 3.83M | 87.55M | 90.53M | 90.5M | 101.48M | 162.27M | 975.56M |
| Other Non-Current Assets | 2.21M | 1.38M | 212K | -80.13M | -113.93M | 1.24M | 1.76M | 63.44M | 737.58M | 812.59M |
| Total Assets | 2.03B▲ 0% | 2.53B▲ 24.9% | 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% | 7.91B▲ 0% |
| Asset Turnover | 0.29x | 0.89x | 3.59x | 3.18x | 2.47x | 1.83x | 1.08x | 0.97x | 1.07x | 0.97x |
| Asset Growth % | - | 24.91% | -68.31% | -12.57% | -25.06% | 84.9% | 210.97% | 86.86% | -4.16% | 101.88% |
| Total Current Liabilities | 4.59B | 4.46B | 2.45B | 1.41B | 983.94M | 910.44M | 1.75B | 1.3B | 2.02B | 2.98B |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Payables Outstanding | - | - | - | - | - | - | - | - | - | - |
| Short-Term Debt | 0 | 0 | 70.4M | 0 | 3.19M | 0 | -24.99M | -24.55M | 0 | 0 |
| Deferred Revenue (Current) | 0 | -106.42M | 0 | 181.64M | 0 | 0 | 276.52M | 0 | 229.5M | 1.11B |
| Other Current Liabilities | 4.33B | 3.87B | 1.57B | -4.27M | -6.51M | -16.91M | 30.19M | 8.97M | 132.51M | 0 |
| Current Ratio | 0.41x | 0.55x | 0.29x | 0.39x | 0.38x | 0.86x | 1.60x | 4.15x | 2.15x | 2.15x |
| Quick Ratio | 0.31x | 0.49x | 0.24x | 0.49x | 0.38x | 0.90x | 1.60x | 4.15x | 2.15x | 2.15x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | 228.57 |
| Total Non-Current Liabilities | 0 | 0 | 0 | 35.22M | 5.2M | 35.24M | 27.46M | 1.01B | 265.32M | 627.27M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capital Lease Obligations | 0 | 0 | 0 | 32.48M | 1.87M | 18.34M | 2.48M | 47.96M | 51.68M | 178.13M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 2.73M | 3.32M | 16.91M | 24.99M | 974.06M | 213.64M | 1.37B |
| Total Liabilities | 4.59B | 4.46B | 2.45B | 1.44B | 989.14M | 945.68M | 1.78B | 3.26B | 2.28B | 3.61B |
| Total Debt | 90.12M | 104M | 70.4M | 35.22M | 8.39M | 35.24M | 27.46M | 47.96M | 51.68M | 35.95M |
| Net Debt | -108.92M | -502.1M | 28.96M | -86.93M | -108.93M | -147.31M | -263.55M | -322.24M | -488.85M | -88.21M |
| Debt / Equity | - | - | - | - | - | 1.37x | 0.02x | 0.02x | 0.02x | 0.02x |
| Debt / EBITDA | - | 0.15x | 0.10x | 0.06x | 0.03x | 0.08x | 0.02x | 0.04x | 0.04x | 0.02x |
| Net Debt / EBITDA | - | -0.73x | 0.04x | -0.16x | -0.33x | -0.33x | -0.22x | -0.24x | -0.39x | -0.39x |
| Interest Coverage | - | - | - | - | - | - | - | - | - | - |
| Total Equity | -2.56B▲ 0% | -1.93B▲ 24.6% | -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% | 4.3B▲ 0% |
| Equity Growth % | - | 24.56% | 14.47% | 55.11% | 37.46% | 105.55% | 4721.56% | 91.74% | 31.39% | 170.7% |
| Book Value per Share | -51.21 | -38.63 | -33.04 | -14.10 | -8.58 | 0.48 | 23.07 | 44.50 | 58.89 | 83.89 |
| Total Shareholders' Equity | -2.56B | -1.93B | -1.65B | -741.85M | -461.62M | 27.86M | 1.24B | 2.38B | 3.13B | 4.3B |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.38B | 0 | 0 |
| Retained Earnings | -2.8B | -2.26B | -2.05B | -1.52B | -1.27B | -794.76M | 384.9M | 1.53B | 2.24B | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | -9.26M | -35.44M | -28.89M | 0 |
| Accumulated OCI | -1.86M | -5.95M | -17.25M | 469K | -12.82M | -17.95M | -3.11M | -10.19M | 7.1M | 0 |
| Minority Interest | 0 | 0 | 0 | 255K | -2.14M | -2.12M | -1.58M | -1.68M | -1.66M | 0 |
JFIN Cash Flow Statement
Jiayin Group Inc. (JFIN) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 257.5M | 104.75M | -228.37M | 26.29M | -35.51M | 184.54M | 915.37M | 389.59M | 1.43B | 1.43B |
| Operating CF Margin % | 43.56% | 4.65% | -7.92% | 1.18% | -2.73% | 10.36% | 27.98% | 7.13% | 24.57% | - |
| Operating CF Growth % | - | -59.32% | -318.01% | 111.51% | -235.05% | 619.76% | 396.03% | -57.44% | 265.9% | 0% |
| Net Income | -389.75M | 539.54M | 611.76M | 527.18M | 250.07M | 467.76M | 8.09B | 1.3B | 1.06B | 1.71B |
| Depreciation & Amortization | 1.12M | 4.1M | 11.3M | 17.71M | 23.16M | 15.67M | 68.25M | 9.46M | 17.87M | 0 |
| Stock-Based Compensation | 39.92M | 89.4M | 67.78M | 147.58M | 30.65M | 15.19M | 291.54M | 54.35M | 59.12M | 92.78M |
| Deferred Taxes | 0 | 0 | 0 | -61.65M | 151.96M | 39.16M | -152.95M | 0 | 0 | 0 |
| Other Non-Cash Items | 125.66M | 130.94M | 265.96M | 293.52M | -114.02M | -136.3M | -380.34M | -91.43M | 33.1M | -1.8B |
| Working Capital Changes | 480.56M | -659.23M | -1.19B | -898.05M | -377.32M | -216.94M | -7B | -880.41M | 258.93M | 0 |
| Change in Receivables | -517.19M | -535.55M | -6.62M | -82.82M | -224.41M | -344.39M | -8.44B | -497.47M | -184.79M | 0 |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash from Investing | -89.68M | 61.22M | -16.42M | -234.18M | 33.23M | -126.22M | -157.25M | -105.85M | -783.52M | 0 |
| Capital Expenditures | -6.74M | -21.74M | -16.89M | -27.61M | -848K | -2.77M | -119.69M | -31.54M | -739.13M | 0 |
| CapEx % of Revenue | 1.14% | 0.97% | 0.59% | 1.24% | 0.07% | 0.16% | 3.66% | 0.58% | 12.74% | - |
| Acquisitions | 0 | 0 | 0 | -11.15M | -3.38M | -111.04M | 0 | -68.75M | -2.68M | 0 |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | -82.95M | 82.96M | 466K | -123.95M | 37.45M | -12.41M | -37.56M | -5.56M | -13.15M | 0 |
| Cash from Financing | 181.05M | 13.88M | -433.6M | 244.67M | 10.6M | 9.94M | -86.1M | -193.48M | -332.69M | 0 |
| Debt Issued (Net) | 81.05M | 13.88M | 70.77M | 230K | 3.11M | 0 | 0 | 0 | 21.58M | 0 |
| Equity Issued (Net) | 0 | 0 | 0 | 1000K | 0 | 0 | -1000K | -1000K | -1000K | 0 |
| Dividends Paid | 0 | 0 | -400M | 0 | 0 | -2.59M | 0 | -156.67M | -301.18M | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | -14.75M | -38.08M | -53.26M | 0 |
| Other Financing | 100M | 0 | -104.36M | 815K | 7.48M | 12.52M | -71.35M | 1.27M | 169K | 0 |
| Net Change in Cash | 348.87M▲ 0% | 179.84M▼ 48.5% | -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% | 0▲ 0% |
| Free Cash Flow | 250.76M▲ 0% | 83.01M▼ 66.9% | -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% | 0▲ 0% |
| FCF Margin % | 42.42% | 3.69% | -8.51% | -0.06% | -2.8% | 10.21% | 24.32% | 6.55% | 11.83% | - |
| FCF Growth % | - | -66.9% | -395.46% | 99.46% | -2660.29% | 600.02% | 337.74% | -55% | 91.7% | - |
| FCF per Share | 5.02 | 1.66 | -4.91 | -0.03 | -0.67 | 3.36 | 14.79 | 6.69 | 12.92 | 12.92 |
| FCF Conversion (FCF/Net Income) | -0.66x | 0.19x | -0.37x | 0.05x | -0.14x | 0.39x | 0.78x | 0.30x | 1.35x | 0.00x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Taxes Paid | 13.67M | 91.03M | 33.77M | 55.58M | 162K | 6.61M | 1.9M | 40.9M | 118.68M | 0 |
JFIN Key Ratios
Jiayin Group Inc. (JFIN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | - | - | 1833.41% | 186.18% | 71.65% | 38.36% | 39.74% |
| Return on Invested Capital (ROIC) | - | - | - | - | - | 207.03% | 65.83% | 39.86% | 39.86% |
| Gross Margin | 89.81% | 86.06% | 80.92% | 81.6% | 81.13% | 82.72% | 63.2% | 64.95% | 80.92% |
| Net Margin | 23.97% | 21.23% | 23.66% | 19.45% | 26.51% | 36.06% | 23.74% | 18.21% | 26.17% |
| Debt / Equity | - | - | - | - | 1.37x | 0.02x | 0.02x | 0.02x | 0.02x |
| FCF Conversion | 0.19x | -0.37x | 0.05x | -0.14x | 0.39x | 0.78x | 0.30x | 1.35x | 0.00x |
| Revenue Growth | 280.79% | 28.04% | -22.62% | -41.7% | 36.94% | 83.74% | 67.11% | 6.11% | 8.99% |
JFIN Frequently Asked Questions
Jiayin Group Inc. (JFIN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Jiayin Group Inc. (JFIN) reported $6.54B in revenue for fiscal year 2024. This represents a 1006% increase from $591.1M in 2016.
Jiayin Group Inc. (JFIN) grew revenue by 6.1% over the past year. This is steady growth.
Yes, Jiayin Group Inc. (JFIN) is profitable, generating $1.71B in net income for fiscal year 2024 (18.2% net margin).
Dividend & Returns
Yes, Jiayin Group Inc. (JFIN) pays a dividend with a yield of 16.87%. This makes it attractive for income-focused investors.
Jiayin Group Inc. (JFIN) has a return on equity (ROE) of 38.4%. This is excellent, indicating efficient use of shareholder capital.
Jiayin Group Inc. (JFIN) generated $686.4M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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