Last 24 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q4 '21 | Q4 '20 | Q3 '20 | Q2 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 2.16 | — | — | 0.74 | 0.35 | 0.41 | 0.34 | 0.31 | 0.34 | 0.34 | 0.32 | 0.19 | 0.22 | 0.22 | 0.18 | 0.06 | 0.12 | 0.24 | 0.48 | 0.52 | 1.30 |
| — | — | — | +141.6% | +3.4% | +18.0% | +7.5% | +62.7% | +52.0% | +59.4% | +77.2% | +226.4% | +89.5% | -10.7% | -63.1% | -89.0% | -91.0% | -84.3% | — | — | — | |
| P/S Ratio | 0.12 | 0.05 | 0.07 | 0.07 | 0.09 | 0.11 | 0.10 | 0.06 | 0.06 | 0.06 | 0.06 | 0.04 | 0.05 | 0.06 | 0.04 | 0.03 | 0.03 | 0.08 | 0.12 | 0.11 | 0.22 |
| — | -54.6% | -29.4% | +15.4% | +42.1% | +101.4% | +76.2% | +39.6% | +28.7% | +0.5% | +32.0% | +48.1% | +51.0% | -31.5% | -63.3% | -74.0% | -84.9% | -60.0% | — | — | — | |
| P/B Ratio | 0.11 | 0.04 | 0.05 | 0.07 | 0.12 | 0.22 | 0.20 | 0.11 | 0.13 | 0.12 | 0.14 | 0.12 | 0.14 | 0.15 | 0.13 | 0.10 | 0.17 | 4.62 | — | — | — |
| — | -83.6% | -74.8% | -37.7% | -4.3% | +81.8% | +44.6% | -6.8% | -8.9% | -21.2% | +5.9% | +17.3% | -16.0% | -96.7% | — | — | — | — | — | — | — | |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 0.01 | — | 0.01 | 0.02 | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 4.12 | — | — | 2.35 | 0.24 | 0.22 | 0.24 | -0.09 | -0.26 | -0.54 | -0.14 | -0.03 | 0.11 | 0.00 | -0.08 | -0.10 | -0.06 | -0.38 | 0.24 | 0.16 | 0.74 |
| — | — | — | +2583.5% | +193.7% | +141.0% | +278.6% | -193.4% | -342.5% | -17595.8% | -60.2% | +68.0% | +274.7% | +100.8% | -135.5% | -164.7% | -108.2% | — | — | — | — | |
| EV / EBIT | 4.54 | — | — | 2.35 | 0.24 | 0.22 | 0.24 | -0.10 | -0.26 | -0.55 | -0.14 | -0.03 | 0.11 | 0.00 | -0.08 | -0.10 | -0.06 | -15.43 | 0.26 | 0.16 | 0.81 |
| — | — | — | +2555.5% | +194.0% | +140.8% | +278.6% | -193.7% | -342.7% | -17659.6% | -60.3% | +67.9% | +273.6% | +100.0% | -132.2% | -163.3% | -107.6% | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q4 '21 | Q4 '20 | Q3 '20 | Q2 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.9% | 25.5% | 56.2% | 69.9% | 80.5% | 84.9% | 81.1% | 75.8% | 71.0% | 58.8% | 54.8% | 47.7% | 62.9% | 72.2% | 75.6% | 81.5% | 83.4% | 76.7% | 80.9% | 85.2% | 79.2% |
| — | -70.0% | -30.7% | -7.8% | +13.4% | +44.3% | +48.0% | +59.0% | +12.9% | -18.5% | -27.5% | -41.5% | -24.6% | -5.9% | -6.6% | -4.3% | +5.3% | -1.4% | -3.0% | +5.5% | -10.6% | |
| Operating Margin | 28.9% | -33.5% | -9.3% | 8.7% | 31.1% | 33.9% | 34.2% | 28.0% | 21.6% | 15.4% | 21.4% | 14.5% | 26.0% | 28.9% | 31.1% | 32.9% | 34.5% | 4.0% | 15.6% | 37.4% | 19.6% |
| — | -198.8% | -127.1% | -68.9% | +44.0% | +120.3% | +59.3% | +92.9% | -17.1% | -46.8% | -31.1% | -55.9% | -24.5% | +622.4% | +100.0% | -12.1% | +76.0% | +148.8% | -35.1% | +440.4% | -16.9% | |
| Net Margin | 24.7% | -24.9% | -8.1% | 9.2% | 25.6% | 27.5% | 30.4% | 19.6% | 18.7% | 16.1% | 18.5% | 23.0% | 22.1% | 25.5% | 24.9% | 50.5% | 27.7% | 33.6% | 25.2% | 21.5% | 16.6% |
| — | -190.5% | -126.8% | -52.9% | +37.2% | +70.5% | +64.2% | -14.6% | -15.5% | -36.8% | -25.7% | -54.5% | -20.4% | -24.0% | -0.9% | +135.5% | +67.3% | +413.8% | +10.1% | +348.2% | -10.8% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q4 '21 | Q4 '20 | Q3 '20 | Q2 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.7% | -4.3% | -1.4% | 2.3% | 9.2% | 13.7% | 15.9% | 9.2% | 9.6% | 9.1% | 11.2% | 16.6% | 16.5% | 19.2% | 20.2% | 55.1% | 68.9% | 480.3% | — | — | — |
| — | -131.2% | -108.8% | -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% | -2.1% | -0.7% | 1.2% | 5.0% | 7.6% | 9.1% | 5.2% | 5.0% | 4.5% | 5.1% | 6.8% | 6.7% | 7.5% | 7.8% | 20.8% | 16.1% | 16.5% | 16.2% | 15.6% | 6.4% |
| — | -128.3% | -107.8% | -77.0% | -0.8% | +70.5% | +80.8% | -24.5% | -25.5% | -40.3% | -34.9% | -67.0% | -58.3% | -54.8% | -52.0% | +32.9% | +151.5% | +439.0% | +7.5% | +790.0% | +12.9% | |
| ROIC | 4.9% | -4.1% | -1.1% | 1.5% | 8.7% | 13.4% | 14.8% | 12.3% | 11.4% | 8.7% | 11.7% | 8.7% | 16.3% | 19.8% | 24.0% | 35.1% | 121.5% | — | — | — | — |
| — | -130.8% | -107.3% | -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.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q4 '21 | Q4 '20 | Q3 '20 | Q2 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.15 | 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 | 0.02 | 0.04 | 1.37 | — | — | — |
| — | +1258.3% | +1135.5% | +856.9% | -56.1% | -44.0% | -35.8% | -38.1% | -26.8% | +237.1% | +34.9% | +20.6% | -29.1% | -99.6% | — | — | — | — | — | — | — | |
| Debt / EBITDA | 2.18 | — | — | 7.02 | 0.08 | 0.07 | 0.08 | 0.13 | 0.17 | 0.24 | 0.16 | 0.27 | 0.14 | 0.03 | 0.06 | 0.08 | 0.08 | 1.89 | 0.14 | 0.07 | 0.25 |
| — | — | — | +5296.5% | -54.9% | -71.7% | -50.8% | -52.0% | +24.7% | +704.8% | +143.7% | +244.4% | +69.8% | -98.4% | -54.9% | +9.5% | -67.8% | — | -64.7% | — | -55.3% | |
| Current Ratio | 1.88 | 1.79 | 24.63 | 1.88 | 2.05 | 1.82 | 1.91 | 2.15 | 2.45 | 2.34 | 2.44 | 2.36 | 1.62 | 1.62 | 1.52 | 1.60 | 1.35 | 0.86 | 0.38 | 0.30 | 0.38 |
| — | -1.3% | +1190.6% | -12.7% | -16.4% | -22.2% | -21.8% | -8.9% | +51.4% | +44.0% | +60.0% | +47.2% | +20.0% | +87.9% | +304.8% | +428.4% | +258.0% | +120.0% | +28.9% | -23.9% | -31.9% | |
| Quick Ratio | 1.88 | 1.79 | 24.63 | 1.88 | 2.05 | 1.82 | 1.91 | 2.15 | 2.45 | 2.34 | 2.44 | 2.36 | 1.62 | 1.62 | 1.52 | 1.60 | 1.35 | 0.90 | 0.38 | 0.30 | 0.38 |
| — | -1.3% | +1190.6% | -12.7% | -16.4% | -22.2% | -21.8% | -8.9% | +51.4% | +44.0% | +60.0% | +47.3% | +20.0% | +79.4% | +304.8% | +428.0% | +258.0% | +130.5% | +57.4% | -17.5% | -23.4% | |
| Interest Coverage | — | -541.90 | -88.45 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 0.67 | 4813.73 | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 24 years · Updated daily
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Quick answers to the most common questions about buying JFIN stock.
Jiayin Group Inc.'s current P/E is 2.2x. The average P/E over the last 2 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.