Jiayin Group Inc. (JFIN) 10-Year Financial Performance & Capital Metrics

JFIN •

Communication ServicesInternet ServicesConsumer 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 Margin 64.95% +2.8%
EBITDA Margin 21.82% -11.1%
Operating Margin 21.51% -11.7%
Net Margin 18.21% -23.3%
ROE 38.36% -46.5%
ROIC 39.86% -39.5%
Debt/Equity 0.02 -18.0%
Interest Coverage -

Technical Analysis

Key Insights

Based on financial 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 0.8x book value

✗Weaknesses

✗Weak momentum: RS Rating 17 (bottom 17%)
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y21.07%

3Y48.25%

TTM8.99%

Profit (Net Income) CAGR

10Y-

5Y14.89%

3Y30.8%

TTM48.92%

EPS CAGR

10Y-

5Y14.64%

3Y31.61%

TTM50.56%

ROCE

10Y Avg241.42%

5Y Avg241.42%

3Y Avg85.82%

Latest32.25%

Peer Comparison

Consumer Apps and Utility Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TWLOTwilio Inc.	18.34B	120.96	576	13.66%	0.67%	0.43%	5.63%	0.15
JFINJiayin Group Inc.	699.84M	6.48	2.24	6.11%	26.17%	39.74%	14.3%	0.02
SEGGLottery.com Inc.	4.46M	1.02	-0.03	-84.82%	-23.09%	-47.91%		0.27
CMCMCheetah Mobile Inc.	6.25B	6.15	-0.04	20.52%	-40.21%	-19.85%		0.03
UPXIUpexi, Inc.	41.92M	0.66	-0.38	-39.19%	-496.88%	-252.34%		0.31
MNYMoneyHero Limited Class A Ordinary Shares	42.6M	1.42	-1.58	-1.44%	-22.13%	-35.56%		0.02
NNNextNav Inc.	2.11B	16.09	-19.15	46.79%	-27.72%	-156.48%		1.43

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	591.1M	2.25B	2.88B	2.23B	1.3B	1.78B	3.27B	5.47B	5.8B
Revenue Growth %	-	280.79%	28.04%	-22.62%	-41.7%	36.94%	83.74%	67.11%	6.11%
Cost of Goods Sold+	143.2M	229.35M	401.68M	425.56M	239.2M	335.93M	565.23M	2.01B	2.03B
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	2.02B	2.48B	1.8B	1.06B	1.44B	2.71B	3.46B	3.77B
Gross Margin %	75.77%	89.81%	86.06%	80.92%	81.6%	81.13%	82.72%	63.2%	64.95%
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
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
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
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
Operating Income+	-512.8M	686.66M	685.21M	534.67M	302.11M	431.96M	1.18B	1.33B	1.25B
Operating Margin %	-86.75%	30.51%	23.78%	23.97%	23.24%	24.26%	36.13%	24.37%	21.51%
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
EBITDA Margin %	-86.56%	30.69%	24.17%	24.77%	25.02%	25.14%	36.44%	24.55%	21.82%
EBITDA Growth %	-	235%	0.83%	-20.69%	-41.12%	37.62%	166.29%	12.58%	-5.67%
D&A (Non-Cash Add-back)	1.12M	4.1M	11.3M	17.71M	23.16M	15.67M	9.96M	9.46M	17.87M
EBIT	-512.8M	686.66M	685.21M	534.67M	302.11M	431.96M	1.18B	1.33B	1.25B
Net Interest Income+	1.45M	1.92M	169K	5.72M	7.72M	-173.19K	281K	12.89M	18.28M
Interest Income	1.45M	1.92M	169K	5.72M	7.72M	-173.19K	281K	12.89M	18.28M
Interest Expense	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
Pretax Income+	-508.02M	701.19M	705.67M	564.19M	358.88M	593.49M	1.34B	1.55B	1.3B
Pretax Margin %	-85.94%	31.15%	24.49%	25.3%	27.6%	33.33%	40.83%	28.26%	22.33%
Income Tax+	-118.27M	161.65M	93.92M	37.01M	108.81M	125.72M	155.4M	247.62M	238.9M
Effective Tax Rate %	76.72%	76.95%	86.69%	93.54%	70.47%	79.54%	88.32%	83.98%	81.56%
Net Income+	-389.75M	539.54M	611.76M	527.75M	252.88M	472.09M	1.18B	1.3B	1.06B
Net Margin %	-65.94%	23.97%	21.23%	23.66%	19.45%	26.51%	36.06%	23.74%	18.21%
Net Income Growth %	-	238.43%	13.38%	-13.73%	-52.08%	86.68%	149.88%	10%	-18.58%
Net Income (Continuing)	-389.75M	539.54M	611.76M	527.18M	250.07M	467.76M	1.18B	1.3B	1.06B
Discontinued Operations	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
EPS (Diluted)+	-7.80	10.79	12.24	10.04	4.68	8.72	21.92	24.24	19.88
EPS Growth %	-	238.33%	13.44%	-17.97%	-53.39%	86.32%	151.38%	10.58%	-17.99%
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
Basic Shares Outstanding	49.97M	50M	50M	52.6M	54.03M	54.14M	53.82M	53.53M	53.14M
Dividend Payout Ratio	-	-	65.39%	-	-	0.55%	-	12.07%	28.51%

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	1.9B	2.47B	716.63M	552.65M	370.51M	786.6M	2.81B	5.39B	4.34B
Cash & Short-Term Investments	199.04M	606.1M	41.44M	191.77M	117.32M	182.55M	291.02M	370.19M	540.52M
Cash Only	199.04M	606.1M	41.44M	122.15M	117.32M	182.55M	291.02M	370.19M	540.52M
Short-Term Investments	0	0	0	69.62M	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
Days Sales Outstanding	243.72	129.61	68.38	18.04	44.37	103	228.22	269.23	219.62
Inventory	497.92M	273.54M	129.73M	-130.72M	0	-37.35M	2.02M	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
Total Non-Current Assets+	127.09M	63.64M	85.25M	148.42M	154.86M	184.83M	209.54M	254.91M	1.07B
Property, Plant & Equipment	5.4M	23.87M	29.01M	76.3M	26.38M	44.61M	46.5M	89.99M	97.16M
Fixed Asset Turnover	109.52x	94.30x	99.34x	29.23x	49.30x	39.92x	70.35x	60.75x	59.71x
Goodwill	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	80.13M	113.93M	0	0	0	0
Long-Term Investments	0	0	0	3.83M	87.55M	90.53M	90.5M	101.48M	162.27M
Other Non-Current Assets	2.21M	1.38M	212K	-80.13M	-113.93M	1.24M	1.76M	63.44M	737.58M
Total Assets+	2.03B	2.53B	801.88M	701.07M	525.37M	971.43M	3.02B	5.64B	5.41B
Asset Turnover	0.29x	0.89x	3.59x	3.18x	2.47x	1.83x	1.08x	0.97x	1.07x
Asset Growth %	-	24.91%	-68.31%	-12.57%	-25.06%	84.9%	210.97%	86.86%	-4.16%
Total Current Liabilities+	4.59B	4.46B	2.45B	1.41B	983.94M	910.44M	1.75B	1.3B	2.02B
Accounts Payable	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
Deferred Revenue (Current)	0	-106.42M	0	181.64M	0	0	276.52M	0	229.5M
Other Current Liabilities	4.33B	3.87B	1.57B	-4.27M	-6.51M	-16.91M	30.19M	8.97M	132.51M
Current Ratio	0.41x	0.55x	0.29x	0.39x	0.38x	0.86x	1.60x	4.15x	2.15x
Quick Ratio	0.31x	0.49x	0.24x	0.49x	0.38x	0.90x	1.60x	4.15x	2.15x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	0	0	0	35.22M	5.2M	35.24M	27.46M	1.01B	265.32M
Long-Term Debt	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
Deferred Tax Liabilities	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
Total Liabilities	4.59B	4.46B	2.45B	1.44B	989.14M	945.68M	1.78B	3.26B	2.28B
Total Debt+	90.12M	104M	70.4M	35.22M	8.39M	35.24M	27.46M	47.96M	51.68M
Net Debt	-108.92M	-502.1M	28.96M	-86.93M	-108.93M	-147.31M	-263.55M	-322.24M	-488.85M
Debt / Equity	-	-	-	-	-	1.37x	0.02x	0.02x	0.02x
Debt / EBITDA	-	0.15x	0.10x	0.06x	0.03x	0.08x	0.02x	0.04x	0.04x
Net Debt / EBITDA	-	-0.73x	0.04x	-0.16x	-0.33x	-0.33x	-0.22x	-0.24x	-0.39x
Interest Coverage	-	-	-	-	-	-	-	-	-
Total Equity+	-2.56B	-1.93B	-1.65B	-741.6M	-463.76M	25.75M	1.24B	2.38B	3.13B
Equity Growth %	-	24.56%	14.47%	55.11%	37.46%	105.55%	4721.56%	91.74%	31.39%
Book Value per Share	-51.21	-38.63	-33.04	-14.10	-8.58	0.48	23.07	44.50	58.89
Total Shareholders' Equity	-2.56B	-1.93B	-1.65B	-741.85M	-461.62M	27.86M	1.24B	2.38B	3.13B
Common Stock	0	0	0	0	0	0	0	2.38B	0
Retained Earnings	-2.8B	-2.26B	-2.05B	-1.52B	-1.27B	-794.76M	384.9M	1.53B	2.24B
Treasury Stock	0	0	0	0	0	0	-9.26M	-35.44M	-28.89M
Accumulated OCI	-1.86M	-5.95M	-17.25M	469K	-12.82M	-17.95M	-3.11M	-10.19M	7.1M
Minority Interest	0	0	0	255K	-2.14M	-2.12M	-1.58M	-1.68M	-1.66M

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	257.5M	104.75M	-228.37M	26.29M	-35.51M	184.54M	915.37M	389.59M	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%
Net Income	-389.75M	539.54M	611.76M	527.18M	250.07M	467.76M	8.09B	1.3B	1.06B
Depreciation & Amortization	1.12M	4.1M	11.3M	17.71M	23.16M	15.67M	68.25M	9.46M	17.87M
Stock-Based Compensation	39.92M	89.4M	67.78M	147.58M	30.65M	15.19M	291.54M	54.35M	59.12M
Deferred Taxes	0	0	0	-61.65M	151.96M	39.16M	-152.95M	0	0
Other Non-Cash Items	125.66M	130.94M	265.96M	293.52M	-114.02M	-136.3M	-380.34M	-91.43M	33.1M
Working Capital Changes	480.56M	-659.23M	-1.19B	-898.05M	-377.32M	-216.94M	-7B	-880.41M	258.93M
Change in Receivables	-517.19M	-535.55M	-6.62M	-82.82M	-224.41M	-344.39M	-8.44B	-497.47M	-184.79M
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+	-89.68M	61.22M	-16.42M	-234.18M	33.23M	-126.22M	-157.25M	-105.85M	-783.52M
Capital Expenditures	-6.74M	-21.74M	-16.89M	-27.61M	-848K	-2.77M	-119.69M	-31.54M	-739.13M
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
Investments	-	-	-	-	-	-	-	-	-
Other Investing	-82.95M	82.96M	466K	-123.95M	37.45M	-12.41M	-37.56M	-5.56M	-13.15M
Cash from Financing+	181.05M	13.88M	-433.6M	244.67M	10.6M	9.94M	-86.1M	-193.48M	-332.69M
Debt Issued (Net)	81.05M	13.88M	70.77M	230K	3.11M	0	0	0	21.58M
Equity Issued (Net)	0	0	0	1000K	0	0	-1000K	-1000K	-1000K
Dividends Paid	0	0	-400M	0	0	-2.59M	0	-156.67M	-301.18M
Share Repurchases	0	0	0	0	0	0	-14.75M	-38.08M	-53.26M
Other Financing	100M	0	-104.36M	815K	7.48M	12.52M	-71.35M	1.27M	169K
Net Change in Cash	348.87M	179.84M	-678.39M	39.21M	-2.83M	65.25M	743.26M	79.59M	305.23M
Free Cash Flow+	250.76M	83.01M	-245.26M	-1.32M	-36.35M	181.77M	795.68M	358.05M	686.36M
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
FCF Conversion (FCF/Net Income)	-0.66x	0.19x	-0.37x	0.05x	-0.14x	0.39x	0.78x	0.30x	1.35x
Interest Paid	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

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-	-	-	-	-	1833.41%	186.18%	71.65%	38.36%
Return on Invested Capital (ROIC)	-	-	-	-	-	-	207.03%	65.83%	39.86%
Gross Margin	75.77%	89.81%	86.06%	80.92%	81.6%	81.13%	82.72%	63.2%	64.95%
Net Margin	-65.94%	23.97%	21.23%	23.66%	19.45%	26.51%	36.06%	23.74%	18.21%
Debt / Equity	-	-	-	-	-	1.37x	0.02x	0.02x	0.02x
FCF Conversion	-0.66x	0.19x	-0.37x	0.05x	-0.14x	0.39x	0.78x	0.30x	1.35x
Revenue Growth	-	280.79%	28.04%	-22.62%	-41.7%	36.94%	83.74%	67.11%	6.11%

US Stock Screener

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Jiayin Group Inc. (JFIN) 10-Year Financial Performance & Capital Metrics

JFIN •

Communication ServicesInternet ServicesConsumer Apps and Utility Platforms

Revenue $5.8B +6.1%
EBITDA $1.27B -5.7%
Net Income $1.06B -18.6%
EPS (Diluted) 19.88 -18.0%
Gross Margin 64.95% +2.8%
EBITDA Margin 21.82% -11.1%
Operating Margin 21.51% -11.7%
Net Margin 18.21% -23.3%
ROE 38.36% -46.5%
ROIC 39.86% -39.5%
Debt/Equity 0.02 -18.0%
Interest Coverage -

Technical Analysis

Key Insights

Based on financial 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 0.8x book value

✗Weaknesses

✗Weak momentum: RS Rating 17 (bottom 17%)
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y21.07%

3Y48.25%

TTM8.99%

Profit (Net Income) CAGR

10Y-

5Y14.89%

3Y30.8%

TTM48.92%

EPS CAGR

10Y-

5Y14.64%

3Y31.61%

TTM50.56%

ROCE

10Y Avg241.42%

5Y Avg241.42%

3Y Avg85.82%

Latest32.25%

Peer Comparison

Consumer Apps and Utility Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TWLOTwilio Inc.	18.34B	120.96	576	13.66%	0.67%	0.43%	5.63%	0.15
JFINJiayin Group Inc.	699.84M	6.48	2.24	6.11%	26.17%	39.74%	14.3%	0.02
SEGGLottery.com Inc.	4.46M	1.02	-0.03	-84.82%	-23.09%	-47.91%		0.27
CMCMCheetah Mobile Inc.	6.25B	6.15	-0.04	20.52%	-40.21%	-19.85%		0.03
UPXIUpexi, Inc.	41.92M	0.66	-0.38	-39.19%	-496.88%	-252.34%		0.31
MNYMoneyHero Limited Class A Ordinary Shares	42.6M	1.42	-1.58	-1.44%	-22.13%	-35.56%		0.02
NNNextNav Inc.	2.11B	16.09	-19.15	46.79%	-27.72%	-156.48%		1.43

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	591.1M	2.25B	2.88B	2.23B	1.3B	1.78B	3.27B	5.47B	5.8B
Revenue Growth %	-	280.79%	28.04%	-22.62%	-41.7%	36.94%	83.74%	67.11%	6.11%
Cost of Goods Sold+	143.2M	229.35M	401.68M	425.56M	239.2M	335.93M	565.23M	2.01B	2.03B
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	2.02B	2.48B	1.8B	1.06B	1.44B	2.71B	3.46B	3.77B
Gross Margin %	75.77%	89.81%	86.06%	80.92%	81.6%	81.13%	82.72%	63.2%	64.95%
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
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
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
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
Operating Income+	-512.8M	686.66M	685.21M	534.67M	302.11M	431.96M	1.18B	1.33B	1.25B
Operating Margin %	-86.75%	30.51%	23.78%	23.97%	23.24%	24.26%	36.13%	24.37%	21.51%
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
EBITDA Margin %	-86.56%	30.69%	24.17%	24.77%	25.02%	25.14%	36.44%	24.55%	21.82%
EBITDA Growth %	-	235%	0.83%	-20.69%	-41.12%	37.62%	166.29%	12.58%	-5.67%
D&A (Non-Cash Add-back)	1.12M	4.1M	11.3M	17.71M	23.16M	15.67M	9.96M	9.46M	17.87M
EBIT	-512.8M	686.66M	685.21M	534.67M	302.11M	431.96M	1.18B	1.33B	1.25B
Net Interest Income+	1.45M	1.92M	169K	5.72M	7.72M	-173.19K	281K	12.89M	18.28M
Interest Income	1.45M	1.92M	169K	5.72M	7.72M	-173.19K	281K	12.89M	18.28M
Interest Expense	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
Pretax Income+	-508.02M	701.19M	705.67M	564.19M	358.88M	593.49M	1.34B	1.55B	1.3B
Pretax Margin %	-85.94%	31.15%	24.49%	25.3%	27.6%	33.33%	40.83%	28.26%	22.33%
Income Tax+	-118.27M	161.65M	93.92M	37.01M	108.81M	125.72M	155.4M	247.62M	238.9M
Effective Tax Rate %	76.72%	76.95%	86.69%	93.54%	70.47%	79.54%	88.32%	83.98%	81.56%
Net Income+	-389.75M	539.54M	611.76M	527.75M	252.88M	472.09M	1.18B	1.3B	1.06B
Net Margin %	-65.94%	23.97%	21.23%	23.66%	19.45%	26.51%	36.06%	23.74%	18.21%
Net Income Growth %	-	238.43%	13.38%	-13.73%	-52.08%	86.68%	149.88%	10%	-18.58%
Net Income (Continuing)	-389.75M	539.54M	611.76M	527.18M	250.07M	467.76M	1.18B	1.3B	1.06B
Discontinued Operations	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
EPS (Diluted)+	-7.80	10.79	12.24	10.04	4.68	8.72	21.92	24.24	19.88
EPS Growth %	-	238.33%	13.44%	-17.97%	-53.39%	86.32%	151.38%	10.58%	-17.99%
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
Basic Shares Outstanding	49.97M	50M	50M	52.6M	54.03M	54.14M	53.82M	53.53M	53.14M
Dividend Payout Ratio	-	-	65.39%	-	-	0.55%	-	12.07%	28.51%

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	1.9B	2.47B	716.63M	552.65M	370.51M	786.6M	2.81B	5.39B	4.34B
Cash & Short-Term Investments	199.04M	606.1M	41.44M	191.77M	117.32M	182.55M	291.02M	370.19M	540.52M
Cash Only	199.04M	606.1M	41.44M	122.15M	117.32M	182.55M	291.02M	370.19M	540.52M
Short-Term Investments	0	0	0	69.62M	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
Days Sales Outstanding	243.72	129.61	68.38	18.04	44.37	103	228.22	269.23	219.62
Inventory	497.92M	273.54M	129.73M	-130.72M	0	-37.35M	2.02M	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
Total Non-Current Assets+	127.09M	63.64M	85.25M	148.42M	154.86M	184.83M	209.54M	254.91M	1.07B
Property, Plant & Equipment	5.4M	23.87M	29.01M	76.3M	26.38M	44.61M	46.5M	89.99M	97.16M
Fixed Asset Turnover	109.52x	94.30x	99.34x	29.23x	49.30x	39.92x	70.35x	60.75x	59.71x
Goodwill	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	80.13M	113.93M	0	0	0	0
Long-Term Investments	0	0	0	3.83M	87.55M	90.53M	90.5M	101.48M	162.27M
Other Non-Current Assets	2.21M	1.38M	212K	-80.13M	-113.93M	1.24M	1.76M	63.44M	737.58M
Total Assets+	2.03B	2.53B	801.88M	701.07M	525.37M	971.43M	3.02B	5.64B	5.41B
Asset Turnover	0.29x	0.89x	3.59x	3.18x	2.47x	1.83x	1.08x	0.97x	1.07x
Asset Growth %	-	24.91%	-68.31%	-12.57%	-25.06%	84.9%	210.97%	86.86%	-4.16%
Total Current Liabilities+	4.59B	4.46B	2.45B	1.41B	983.94M	910.44M	1.75B	1.3B	2.02B
Accounts Payable	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
Deferred Revenue (Current)	0	-106.42M	0	181.64M	0	0	276.52M	0	229.5M
Other Current Liabilities	4.33B	3.87B	1.57B	-4.27M	-6.51M	-16.91M	30.19M	8.97M	132.51M
Current Ratio	0.41x	0.55x	0.29x	0.39x	0.38x	0.86x	1.60x	4.15x	2.15x
Quick Ratio	0.31x	0.49x	0.24x	0.49x	0.38x	0.90x	1.60x	4.15x	2.15x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	0	0	0	35.22M	5.2M	35.24M	27.46M	1.01B	265.32M
Long-Term Debt	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
Deferred Tax Liabilities	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
Total Liabilities	4.59B	4.46B	2.45B	1.44B	989.14M	945.68M	1.78B	3.26B	2.28B
Total Debt+	90.12M	104M	70.4M	35.22M	8.39M	35.24M	27.46M	47.96M	51.68M
Net Debt	-108.92M	-502.1M	28.96M	-86.93M	-108.93M	-147.31M	-263.55M	-322.24M	-488.85M
Debt / Equity	-	-	-	-	-	1.37x	0.02x	0.02x	0.02x
Debt / EBITDA	-	0.15x	0.10x	0.06x	0.03x	0.08x	0.02x	0.04x	0.04x
Net Debt / EBITDA	-	-0.73x	0.04x	-0.16x	-0.33x	-0.33x	-0.22x	-0.24x	-0.39x
Interest Coverage	-	-	-	-	-	-	-	-	-
Total Equity+	-2.56B	-1.93B	-1.65B	-741.6M	-463.76M	25.75M	1.24B	2.38B	3.13B
Equity Growth %	-	24.56%	14.47%	55.11%	37.46%	105.55%	4721.56%	91.74%	31.39%
Book Value per Share	-51.21	-38.63	-33.04	-14.10	-8.58	0.48	23.07	44.50	58.89
Total Shareholders' Equity	-2.56B	-1.93B	-1.65B	-741.85M	-461.62M	27.86M	1.24B	2.38B	3.13B
Common Stock	0	0	0	0	0	0	0	2.38B	0
Retained Earnings	-2.8B	-2.26B	-2.05B	-1.52B	-1.27B	-794.76M	384.9M	1.53B	2.24B
Treasury Stock	0	0	0	0	0	0	-9.26M	-35.44M	-28.89M
Accumulated OCI	-1.86M	-5.95M	-17.25M	469K	-12.82M	-17.95M	-3.11M	-10.19M	7.1M
Minority Interest	0	0	0	255K	-2.14M	-2.12M	-1.58M	-1.68M	-1.66M

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	257.5M	104.75M	-228.37M	26.29M	-35.51M	184.54M	915.37M	389.59M	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%
Net Income	-389.75M	539.54M	611.76M	527.18M	250.07M	467.76M	8.09B	1.3B	1.06B
Depreciation & Amortization	1.12M	4.1M	11.3M	17.71M	23.16M	15.67M	68.25M	9.46M	17.87M
Stock-Based Compensation	39.92M	89.4M	67.78M	147.58M	30.65M	15.19M	291.54M	54.35M	59.12M
Deferred Taxes	0	0	0	-61.65M	151.96M	39.16M	-152.95M	0	0
Other Non-Cash Items	125.66M	130.94M	265.96M	293.52M	-114.02M	-136.3M	-380.34M	-91.43M	33.1M
Working Capital Changes	480.56M	-659.23M	-1.19B	-898.05M	-377.32M	-216.94M	-7B	-880.41M	258.93M
Change in Receivables	-517.19M	-535.55M	-6.62M	-82.82M	-224.41M	-344.39M	-8.44B	-497.47M	-184.79M
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+	-89.68M	61.22M	-16.42M	-234.18M	33.23M	-126.22M	-157.25M	-105.85M	-783.52M
Capital Expenditures	-6.74M	-21.74M	-16.89M	-27.61M	-848K	-2.77M	-119.69M	-31.54M	-739.13M
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
Investments	-	-	-	-	-	-	-	-	-
Other Investing	-82.95M	82.96M	466K	-123.95M	37.45M	-12.41M	-37.56M	-5.56M	-13.15M
Cash from Financing+	181.05M	13.88M	-433.6M	244.67M	10.6M	9.94M	-86.1M	-193.48M	-332.69M
Debt Issued (Net)	81.05M	13.88M	70.77M	230K	3.11M	0	0	0	21.58M
Equity Issued (Net)	0	0	0	1000K	0	0	-1000K	-1000K	-1000K
Dividends Paid	0	0	-400M	0	0	-2.59M	0	-156.67M	-301.18M
Share Repurchases	0	0	0	0	0	0	-14.75M	-38.08M	-53.26M
Other Financing	100M	0	-104.36M	815K	7.48M	12.52M	-71.35M	1.27M	169K
Net Change in Cash	348.87M	179.84M	-678.39M	39.21M	-2.83M	65.25M	743.26M	79.59M	305.23M
Free Cash Flow+	250.76M	83.01M	-245.26M	-1.32M	-36.35M	181.77M	795.68M	358.05M	686.36M
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
FCF Conversion (FCF/Net Income)	-0.66x	0.19x	-0.37x	0.05x	-0.14x	0.39x	0.78x	0.30x	1.35x
Interest Paid	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

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-	-	-	-	-	1833.41%	186.18%	71.65%	38.36%
Return on Invested Capital (ROIC)	-	-	-	-	-	-	207.03%	65.83%	39.86%
Gross Margin	75.77%	89.81%	86.06%	80.92%	81.6%	81.13%	82.72%	63.2%	64.95%
Net Margin	-65.94%	23.97%	21.23%	23.66%	19.45%	26.51%	36.06%	23.74%	18.21%
Debt / Equity	-	-	-	-	-	1.37x	0.02x	0.02x	0.02x
FCF Conversion	-0.66x	0.19x	-0.37x	0.05x	-0.14x	0.39x	0.78x	0.30x	1.35x
Revenue Growth	-	280.79%	28.04%	-22.62%	-41.7%	36.94%	83.74%	67.11%	6.11%

Jiayin Group Inc. (JFIN) 10-Year Financial Performance & Capital Metrics

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Jiayin Group Inc. (JFIN) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare JFIN vs Peers

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