Last 21 quarters of trend data · Communication Services · Internet Content & Information
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Jiayin Group Inc.'s quarterly P/E stands at 0.4x, up 3.4% year-over-year. EV/EBITDA has expanded 194.0% YoY to 0.2x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 1.69 | 0.35 | 0.41 | 0.34 | 0.31 | 0.34 | 0.34 | 0.32 | 0.19 | 0.22 | 0.22 | 0.18 | 0.06 |
| — | +3.4% | +18.0% | +7.5% | +62.7% | +52.0% | +59.4% | +77.2% | +226.4% | +89.5% | -10.7% | -63.1% | -89.0% | |
| P/S Ratio | 0.63 | 0.09 | 0.11 | 0.10 | 0.06 | 0.06 | 0.06 | 0.06 | 0.04 | 0.05 | 0.06 | 0.04 | 0.03 |
| — | +42.1% | +101.4% | +76.2% | +39.6% | +28.7% | +0.5% | +32.0% | +48.1% | +51.0% | -31.5% | -63.3% | -74.0% | |
| P/B Ratio | 0.57 | 0.12 | 0.22 | 0.20 | 0.11 | 0.13 | 0.12 | 0.14 | 0.12 | 0.14 | 0.15 | 0.13 | 0.10 |
| — | -4.3% | +81.8% | +44.6% | -6.8% | -8.9% | -21.2% | +5.9% | +17.3% | -16.0% | -96.7% | — | — | |
| P/FCF | 5.29 | — | — | — | — | — | — | — | — | — | — | — | 0.01 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 2.48 | 0.24 | 0.22 | 0.24 | -0.10 | -0.26 | -0.54 | -0.14 | -0.05 | 0.11 | 0.00 | -0.08 | -0.10 |
| — | +194.0% | +141.2% | +279.9% | -95.9% | -344.3% | -17595.8% | -60.2% | +51.5% | +274.7% | +100.8% | -135.5% | -164.7% | |
| EV / EBIT | 2.52 | 0.24 | 0.22 | 0.24 | -0.10 | -0.26 | -0.55 | -0.14 | -0.05 | 0.11 | 0.00 | -0.08 | -0.10 |
| — | +194.0% | +140.8% | +278.6% | -93.9% | -342.7% | -17659.6% | -60.3% | +51.4% | +273.6% | +100.0% | -132.2% | -163.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Jiayin Group Inc.'s operating margin was 31.1% in Q3 2025, down 2.8 pp QoQ and up 9.5 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. Gross margin expanded 13.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 64.9% | 80.5% | 84.9% | 81.1% | 75.8% | 71.0% | 58.8% | 54.8% | 47.7% | 62.9% | 72.2% | 75.6% | 81.5% |
| — | +13.4% | +44.3% | +48.0% | +59.0% | +12.9% | -18.5% | -27.5% | -41.5% | -24.6% | -5.9% | -6.6% | -4.3% | |
| Operating Margin | 21.5% | 31.1% | 33.9% | 34.2% | 28.0% | 21.6% | 15.4% | 21.4% | 14.5% | 26.0% | 28.9% | 31.1% | 32.9% |
| — | +44.0% | +120.3% | +59.3% | +92.9% | -17.1% | -46.8% | -31.1% | -55.9% | -24.5% | +622.4% | +100.0% | -12.1% | |
| Net Margin | 18.2% | 25.6% | 27.5% | 30.4% | 19.6% | 18.7% | 16.1% | 18.5% | 23.0% | 22.1% | 25.5% | 24.9% | 50.5% |
| — | +37.2% | +70.5% | +64.2% | -14.6% | -15.5% | -36.8% | -25.7% | -54.5% | -20.4% | -24.0% | -0.9% | +135.5% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 38.4% | 9.2% | 13.7% | 15.9% | 9.2% | 9.6% | 9.1% | 11.2% | 16.6% | 16.5% | 19.2% | 20.2% | 55.1% |
| — | -4.6% | +51.3% | +41.9% | -44.5% | -41.8% | -52.8% | -44.6% | -69.8% | -76.0% | -96.0% | — | — | |
| ROA | 19.1% | 5.0% | 7.6% | 9.1% | 5.2% | 5.0% | 4.5% | 5.1% | 6.8% | 6.7% | 7.5% | 7.8% | 20.8% |
| — | -0.8% | +70.5% | +80.8% | -24.5% | -25.5% | -40.3% | -34.9% | -67.0% | -58.3% | -54.8% | -52.0% | +32.9% | |
| ROIC | 39.9% | 8.7% | 13.4% | 14.8% | 12.3% | 11.4% | 8.7% | 11.7% | 8.7% | 16.3% | 19.8% | 24.0% | 35.1% |
| — | -23.6% | +53.9% | +25.7% | +40.2% | -29.9% | -56.0% | -51.0% | -75.1% | -86.6% | — | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Jiayin Group Inc.'s Debt/EBITDA ratio is 0.1x, up from 0.1x last quarter — comfortably within a safe range. The current ratio has weakened 16.4% YoY to 2.05x, tightening the short-term liquidity position. Debt/Equity has declined for 5 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.01 | 0.01 | 0.02 |
| — | -56.1% | -44.0% | -35.8% | -18.0% | -26.8% | +237.1% | +34.9% | -8.9% | -29.1% | -99.6% | — | — | |
| Debt / EBITDA | 0.04 | 0.08 | 0.07 | 0.08 | 0.13 | 0.17 | 0.24 | 0.16 | 0.20 | 0.14 | 0.03 | 0.06 | 0.08 |
| — | -54.8% | -71.5% | -50.5% | -35.7% | +25.6% | +704.8% | +143.7% | +160.0% | +69.8% | -98.4% | -54.9% | +9.5% | |
| Current Ratio | 2.15 | 2.05 | 1.82 | 1.91 | 2.15 | 2.45 | 2.34 | 2.44 | 2.36 | 1.62 | 1.62 | 1.52 | 1.60 |
| — | -16.4% | -22.2% | -21.8% | -8.9% | +51.4% | +44.0% | +60.0% | +47.2% | +20.0% | +87.9% | +304.8% | +428.4% | |
| Quick Ratio | 2.15 | 2.05 | 1.82 | 1.91 | 2.15 | 2.45 | 2.34 | 2.44 | 2.36 | 1.62 | 1.62 | 1.52 | 1.60 |
| — | -16.4% | -22.2% | -21.7% | -8.9% | +51.5% | +44.1% | +60.0% | +47.3% | +20.0% | +79.3% | +304.8% | +428.0% | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 21 years · Updated daily
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Jiayin Group Inc.'s current P/E is 1.7x. The average P/E over the last 4 quarters is 0.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Jiayin Group Inc.'s current operating margin is 21.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Jiayin Group Inc.'s business trajectory between earnings reports.