Jiayin Group Inc. (JFIN) Earnings History
Earnings Pressure10 years of earnings data (2016–2025) · 5-year EPS trend is negative
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Jiayin Group Inc. (JFIN) Earnings Overview
As of September 25, 2026, Jiayin Group Inc. (JFIN) reported trailing twelve-month net income of $811M, reflecting -79.1% year-over-year growth. The company earned $15.48 per diluted share over the past four quarters, with a net profit margin of 24.7%.
Looking at the long-term picture, JFIN's 5-year EPS compound annual growth rate (CAGR) stands at -2.3%, signaling declining earnings. The company achieved its highest annual net income of $1.30B in fiscal 2023.
Jiayin Group Inc. maintains industry-leading profitability with a gross margin of 77.9%, operating margin of 28.9%, and net margin of 24.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including QFIN ($3.72B net income, 31.0% margin), LX ($1.03B net income, 13.0% margin), FINV ($2.54B net income, 18.7% margin), JFIN has room to improve margins relative to the peer group. Compare JFIN vs QFIN →
JFIN Earnings vs Peers
Earnings metrics vs comparable public companies
JFIN Historical Earnings Data (2016–2025)
10 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $214M | -79.8% | $250M | $4.16 | 24.7% | 28.9% |
| 2024 | $1.06B | -18.6% | $1.25B | $19.88 | 18.2% | 21.5% |
| 2023 | $1.30B | +10.0% | $1.33B | $24.24 | 23.7% | 24.4% |
| 2022 | $1.18B | +149.9% | $1.18B | $21.92 | 36.1% | 36.1% |
| 2021 | $472M | +86.7% | $432M | $8.72 | 26.5% | 24.3% |
| 2020 | $253M | -52.1% | $302M | $4.68 | 19.5% | 23.2% |
| 2019 | $528M | -13.7% | $535M | $10.04 | 23.7% | 24.0% |
| 2018 | $612M | +13.4% | $685M | $12.24 | 21.2% | 23.8% |
| 2017 | $540M | +238.4% | $687M | $10.79 | 24.0% | 30.5% |
| 2016 | -$390M | - | -$513M | $-7.80 | -65.9% | -86.8% |
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JFIN — Frequently Asked Questions
Quick answers to the most common questions about buying JFIN stock.
What is JFIN earnings per share (EPS)?
JFIN trailing twelve-month (TTM) diluted EPS is $15.48, reflecting -79.1% year-over-year growth. The 5-year EPS CAGR is -2.3%. Complete EPS history from 2016 to 2025 is available in the table on this page.
What is Jiayin Group Inc.'s net income?
Jiayin Group Inc. (JFIN) trailing twelve-month net income is $811M as of 2025. Earnings declined -79.1% year-over-year. Jiayin Group Inc. has been profitable for 9 consecutive years.
Is JFIN profitable?
Yes, JFIN is profitable with a TTM net income of $811M and a net profit margin of +24.7%. Jiayin Group Inc. has generated profits for 9 consecutive years.
What is JFIN's earnings growth rate?
JFIN compound annual EPS growth rates (CAGR): 1-Year: -79.1%, 3-Year: -42.5%, 5-Year: -2.3%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2016 to 2025.
What are JFIN's profit margins?
Jiayin Group Inc. net profit margin is +24.7%, operating margin is +28.9%, and gross margin is +77.9%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +5.7%.
Is JFIN growing earnings?
JFIN earnings are declining — EPS fell -79.1% year-over-year. TTM net income dropped to $811M. This contrasts with the 5-year CAGR of -2.3%.
What was JFIN's best earnings year?
Jiayin Group Inc.'s highest annual net income on record is $1.3B, achieved in fiscal year 2023. Earnings history on this page spans 2016 to 2025 and includes all annual and quarterly figures.
What were JFIN's earnings last quarter?
JFIN's most recent reported quarter was Q2 2026. Net income was $-184M with diluted EPS of $-3.48. For a full breakdown of all quarters, see the quarterly earnings table on this page.