Last 22 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 0.7x, up 141.6% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 2859.1% YoY to 2.6x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 6.48 | 0.74 | 0.35 | 0.41 | 0.34 | 0.31 | 0.34 | 0.34 | 0.32 | 0.19 | 0.22 | 0.22 | 0.18 |
| — | +141.6% | +3.4% | +18.0% | +7.5% | +62.7% | +52.0% | +59.4% | +77.2% | +226.4% | +89.5% | -10.7% | -63.1% | |
| P/S Ratio | 1.63 | 0.07 | 0.09 | 0.11 | 0.10 | 0.06 | 0.06 | 0.06 | 0.06 | 0.04 | 0.05 | 0.06 | 0.04 |
| — | +15.4% | +42.1% | +101.4% | +76.2% | +39.6% | +28.7% | +0.5% | +32.0% | +48.1% | +51.0% | -31.5% | -63.3% | |
| P/B Ratio | 0.31 | 0.07 | 0.12 | 0.22 | 0.20 | 0.11 | 0.13 | 0.12 | 0.14 | 0.12 | 0.14 | 0.15 | 0.13 |
| — | -37.7% | -4.3% | +81.8% | +44.6% | -6.8% | -8.9% | -21.2% | +5.9% | +17.3% | -16.0% | -96.7% | — | |
| P/FCF | 2.26 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 7.88 | 2.61 | 0.24 | 0.22 | 0.24 | -0.09 | -0.26 | -0.54 | -0.14 | -0.03 | 0.11 | 0.00 | -0.08 |
| — | +2859.1% | +193.7% | +141.0% | +278.6% | -193.4% | -342.5% | -17595.8% | -60.2% | +68.0% | +274.7% | +100.8% | -135.5% | |
| EV / EBIT | 8.19 | 2.35 | 0.24 | 0.22 | 0.24 | -0.10 | -0.26 | -0.55 | -0.14 | -0.03 | 0.11 | 0.00 | -0.08 |
| — | +2555.5% | +194.0% | +140.8% | +278.6% | -193.7% | -342.7% | -17659.6% | -60.3% | +67.9% | +273.6% | +100.0% | -132.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Jiayin Group Inc.'s operating margin was 8.7% in Q4 2025, down 22.4 pp QoQ and down 19.3 pp YoY. This marks the 4th consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 27.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 7.8% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.9% | 69.9% | 80.5% | 84.9% | 81.1% | 75.8% | 71.0% | 58.8% | 54.8% | 47.7% | 62.9% | 72.2% | 75.6% |
| — | -7.8% | +13.4% | +44.3% | +48.0% | +59.0% | +12.9% | -18.5% | -27.5% | -41.5% | -24.6% | -5.9% | -6.6% | |
| Operating Margin | 28.9% | 8.7% | 31.1% | 33.9% | 34.2% | 28.0% | 21.6% | 15.4% | 21.4% | 14.5% | 26.0% | 28.9% | 31.1% |
| — | -68.9% | +44.0% | +120.3% | +59.3% | +92.9% | -17.1% | -46.8% | -31.1% | -55.9% | -24.5% | +622.4% | +100.0% | |
| Net Margin | 24.7% | 9.2% | 25.6% | 27.5% | 30.4% | 19.6% | 18.7% | 16.1% | 18.5% | 23.0% | 22.1% | 25.5% | 24.9% |
| — | -52.9% | +37.2% | +70.5% | +64.2% | -14.6% | -15.5% | -36.8% | -25.7% | -54.5% | -20.4% | -24.0% | -0.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.7% | 2.3% | 9.2% | 13.7% | 15.9% | 9.2% | 9.6% | 9.1% | 11.2% | 16.6% | 16.5% | 19.2% | 20.2% |
| — | -75.4% | -4.6% | +51.3% | +41.9% | -44.5% | -41.8% | -52.8% | -44.6% | -69.8% | -76.0% | -96.0% | — | |
| ROA | 3.0% | 1.2% | 5.0% | 7.6% | 9.1% | 5.2% | 5.0% | 4.5% | 5.1% | 6.8% | 6.7% | 7.5% | 7.8% |
| — | -77.0% | -0.8% | +70.5% | +80.8% | -24.5% | -25.5% | -40.3% | -34.9% | -67.0% | -58.3% | -54.8% | -52.0% | |
| ROIC | 4.9% | 1.5% | 8.7% | 13.4% | 14.8% | 12.3% | 11.4% | 8.7% | 11.7% | 8.7% | 16.3% | 19.8% | 24.0% |
| — | -87.7% | -23.6% | +53.9% | +26.2% | +40.8% | -29.9% | -56.0% | -51.2% | -75.2% | -86.6% | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Jiayin Group Inc.'s Debt/EBITDA ratio is 7.8x, up from 0.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 12.7% YoY to 1.88x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.16 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.01 | 0.01 |
| — | +856.9% | -56.1% | -44.0% | -35.8% | -38.1% | -26.8% | +237.1% | +34.9% | +20.6% | -29.1% | -99.6% | — | |
| Debt / EBITDA | 2.70 | 7.80 | 0.08 | 0.07 | 0.08 | 0.13 | 0.17 | 0.24 | 0.16 | 0.27 | 0.14 | 0.03 | 0.06 |
| — | +5895.6% | -54.9% | -71.7% | -50.8% | -52.0% | +24.7% | +704.8% | +143.7% | +244.4% | +69.8% | -98.4% | -54.9% | |
| Current Ratio | 1.88 | 1.88 | 2.05 | 1.82 | 1.91 | 2.15 | 2.45 | 2.34 | 2.44 | 2.36 | 1.62 | 1.62 | 1.52 |
| — | -12.7% | -16.4% | -22.2% | -21.8% | -8.9% | +51.4% | +44.0% | +60.0% | +47.2% | +20.0% | +87.9% | +304.8% | |
| Quick Ratio | 1.88 | 1.88 | 2.05 | 1.82 | 1.91 | 2.15 | 2.45 | 2.34 | 2.44 | 2.36 | 1.62 | 1.62 | 1.52 |
| — | -12.7% | -16.4% | -22.2% | -21.8% | -8.9% | +51.4% | +44.0% | +60.0% | +47.3% | +20.0% | +79.4% | +304.8% | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
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Quick answers to the most common questions about buying JFIN stock.
Jiayin Group Inc.'s current P/E is 6.5x. The average P/E over the last 4 quarters is 0.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Jiayin Group Inc.'s current operating margin is 28.9%. Margins have been compressing 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.