Jiayin Group Inc. (JFIN) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q4'19 | Q4'18 |
|---|
| Sales/Revenue | 1.08B | 1.47B | 1.89B | 1.78B | 1.4B | 1.44B | 1.48B | 1.48B | 1.6B | 1.47B | 1.28B | 1.12B | 1.05B | 894.29M | 368.21M | 340.33M | 401.31M | 244.99M | 352.45M | 710.26M |
| Revenue Growth % | -23.45% | 1.75% | 27.76% | 20.35% | -12.25% | -1.46% | 15.53% | 31.47% | 51.8% | 63.97% | - | - | 186.35% | - | 8.19% | -3.44% | - | - | -50.38% | -7.77% |
| Cost of Goods Sold | 323.65M | 286.49M | 285.08M | 336.01M | 339.32M | 419.06M | 608.16M | 666.97M | 837.25M | 544.25M | 355.81M | 274.24M | 195.1M | 148.44M | 85.92M | 64.86M | 59.48M | 50.93M | 78.33M | 117.64M |
| COGS % of Revenue | 30.1% | 19.49% | 15.11% | 18.92% | 24.16% | 29% | 41.19% | 45.21% | 52.31% | 37.12% | 27.85% | 24.44% | 18.5% | 16.6% | 23.33% | 19.06% | 14.82% | 20.79% | 22.23% | 16.56% |
| Gross Profit | 751.5M | 1.18B | 1.6B | 1.44B | 1.07B | 1.03B | 868.17M | 808.37M | 763.29M | 922.09M | 922.01M | 847.92M | 859.29M | 745.85M | 282.29M | 275.48M | 341.83M | 194.06M | 274.12M | 592.61M |
| Gross Margin % | 69.9% | 80.51% | 84.89% | 81.08% | 75.84% | 71% | 58.81% | 54.79% | 47.69% | 62.88% | 72.15% | 75.56% | 81.5% | 83.4% | 76.67% | 80.94% | 85.18% | 79.21% | 77.78% | 83.44% |
| Gross Profit Growth % | -29.45% | 15.39% | 84.43% | 78.08% | 39.55% | 11.25% | -5.84% | -4.67% | -11.17% | 23.63% | - | - | 204.4% | - | 2.47% | 0.49% | - | - | -53.74% | -13.1% |
| Operating Expenses | 658.16M | 726.78M | 962.02M | 832.92M | 672.53M | 713.95M | 641.11M | 491.92M | 531.3M | 540.17M | 552.71M | 498.67M | 512.81M | 437.27M | 267.56M | 222.53M | 191.82M | 146.04M | 303M | 422.44M |
| OpEx % of Revenue | 61.22% | 49.43% | 51% | 46.91% | 47.88% | 49.41% | 43.43% | 33.34% | 33.2% | 36.84% | 43.25% | 44.44% | 48.64% | 48.9% | 72.67% | 65.38% | 47.8% | 59.61% | 85.97% | 59.48% |
| Selling, General & Admin | 565.51M | 616.61M | 821.05M | 727.29M | 570.89M | 606.39M | 551.55M | 406.03M | 394.63M | 461.15M | 470.79M | 427.2M | 433.29M | 375M | 203.79M | 160.34M | 136.77M | 101.21M | 208.36M | 231.15M |
| SG&A % of Revenue | 52.6% | 41.94% | 43.53% | 40.96% | 40.65% | 41.97% | 37.36% | 27.52% | 24.66% | 31.45% | 36.84% | 38.07% | 41.09% | 41.93% | 55.35% | 47.11% | 34.08% | 41.31% | 59.12% | 32.54% |
| Research & Development | 121.92M | 108.68M | 108.44M | 88.09M | 100.43M | 95.92M | 92.82M | 83.27M | 92.92M | 70.53M | 68.1M | 64.77M | 64.44M | 56.36M | 46.59M | 41.88M | 39.2M | 34.11M | 38.62M | 71.92M |
| R&D % of Revenue | 11.34% | 7.39% | 5.75% | 4.96% | 7.15% | 6.64% | 6.29% | 5.64% | 5.81% | 4.81% | 5.33% | 5.77% | 6.11% | 6.3% | 12.65% | 12.3% | 9.77% | 13.92% | 10.96% | 10.13% |
| Other Operating Expenses | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 748K | -1000K | 1000K | 1000K | 1000K |
| Operating Income | 93.34M | 456.93M | 639.1M | 606.65M | 392.64M | 311.87M | 227.06M | 316.45M | 231.99M | 381.92M | 369.3M | 349.26M | 346.49M | 308.58M | 14.73M | 52.95M | 150.01M | 48.03M | -28.88M | 170.18M |
| Operating Margin % | 8.68% | 31.08% | 33.88% | 34.17% | 27.96% | 21.58% | 15.38% | 21.45% | 14.49% | 26.05% | 28.9% | 31.12% | 32.86% | 34.5% | 4% | 15.56% | 37.38% | 19.6% | -8.19% | 23.96% |
| Operating Income Growth % | -76.23% | 46.52% | 181.46% | 91.71% | 69.25% | -18.34% | -38.52% | -9.39% | -33.05% | 23.77% | - | - | 2252.1% | - | -72.18% | 283.35% | - | - | -116.97% | -6.36% |
| EBITDA | 99.77M | 456.93M | 639.1M | 606.65M | 397.11M | 314.23M | 229.43M | 318.81M | 234.36M | 384.41M | 371.79M | 351.75M | 348.98M | 312.49M | 18.65M | 58.74M | 154.44M | 52.45M | -24.45M | 173.95M |
| EBITDA Margin % | 9.28% | 31.08% | 33.88% | 34.17% | 28.27% | 21.75% | 15.54% | 21.61% | 14.64% | 26.22% | 29.1% | 31.35% | 33.1% | 34.94% | 5.06% | 17.26% | 38.48% | 21.41% | -6.94% | 24.49% |
| EBITDA Growth % | -74.88% | 45.41% | 178.56% | 90.28% | 69.45% | -18.26% | -38.29% | -9.36% | -32.85% | 23.01% | - | - | 1771.25% | - | -68.25% | 340.22% | - | - | -114.06% | -5.1% |
| D&A (Non-Cash Add-back) | 0 | 0 | 0 | 0 | 4.47M | 2.37M | 2.37M | 2.37M | 2.37M | 2.49M | 2.49M | 2.49M | 2.49M | 3.92M | 3.92M | 5.79M | 4.43M | 4.43M | 4.43M | 3.77M |
| EBIT | 99.77M | 456.93M | 639.1M | 606.65M | 392.64M | 311.87M | 227.06M | 316.45M | 231.99M | 381.92M | 369.3M | 349.26M | 346.49M | 308.58M | 461K | 52.95M | 150.01M | 48.03M | -6.11M | 170.18M |
| Net Interest Income | 1.06M | 2.41M | 1.28M | 4.17M | 9.11M | 2.93M | 4.32M | 1.92M | 7.96M | 2.96M | 1.62M | 360K | 945K | 610K | -684K | -11K | 2.49M | 3.26M | 5.81M | -873K |
| Interest Income | 1.06M | 2.41M | 1.28M | 4.17M | 9.11M | 2.93M | 4.32M | 1.92M | 7.96M | 2.96M | 1.62M | 360K | 945K | 610K | 0 | 0 | 2.49M | 3.26M | 5.81M | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 684K | 11K | 0 | 0 | 0 | 873K |
| Other Income/Expense | 6.43M | 8.9M | 4.08M | 56.56M | -36.78M | 11.68M | 69.95M | 2.5M | 198.21M | 3.79M | 2.61M | 8.12M | 137.22M | 17.17M | 143.8M | 76.94M | -29.54M | 7.09M | 31.51M | 7.39M |
| Pretax Income | 99.77M | 465.83M | 643.18M | 663.21M | 355.86M | 323.54M | 297.02M | 318.95M | 430.19M | 385.71M | 373.94M | 357.61M | 483.81M | 322.92M | 153.51M | 138.11M | 120.48M | 54.42M | -20.06M | 177.56M |
| Pretax Margin % | 9.28% | 31.68% | 34.1% | 37.35% | 25.34% | 22.39% | 20.12% | 21.62% | 26.88% | 26.3% | 29.26% | 31.87% | 45.89% | 36.11% | 41.69% | 40.58% | 30.02% | 22.21% | -5.69% | 25% |
| Income Tax | 524.65K | 89.34M | 124.05M | 123.73M | 80.34M | 53.93M | 58.75M | 45.88M | 62.56M | 61.81M | 45.57M | 77.68M | -49.99M | 77.68M | 36.04M | 48.74M | 32.13M | 14.01M | -42.62M | 15.23M |
| Effective Tax Rate % | 0.53% | 19.18% | 19.29% | 18.66% | 22.58% | 16.67% | 19.78% | 14.39% | 14.54% | 16.02% | 12.19% | 21.72% | -10.33% | 24.05% | 23.47% | 35.29% | 26.67% | 25.74% | 212.43% | 8.58% |
| Net Income | 99.24M | 376.49M | 519.14M | 539.48M | 275.52M | 269.61M | 238.27M | 273.07M | 367.76M | 323.79M | 326.35M | 279.71M | 532.94M | 248.14M | 123.68M | 85.62M | 86.14M | 40.64M | 23.04M | 162.34M |
| Net Margin % | 9.23% | 25.61% | 27.52% | 30.38% | 19.62% | 18.66% | 16.14% | 18.51% | 22.98% | 22.08% | 25.54% | 24.93% | 50.54% | 27.75% | 33.59% | 25.16% | 21.47% | 16.59% | 6.54% | 22.86% |
| Net Income Growth % | -63.98% | 39.64% | 117.88% | 97.56% | -25.08% | -16.73% | -26.99% | -2.37% | -30.99% | 30.49% | - | - | 330.9% | - | 44.45% | 271.6% | - | - | -85.81% | 13.3% |
| Net Income (Continuing) | 99.24M | 376.49M | 519.13M | 539.48M | 275.52M | 269.61M | 238.27M | 273.07M | 367.63M | 323.9M | 326.34M | 279.7M | 533.7M | 248.07M | 122.49M | 81.15M | 88.35M | 41.11M | 45.24M | 162.34M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | -1.56M | 0 | 0 | 0 | -1.66M | 0 | 0 | 0 | -1.68M | -1.58M | -1.73M | -1.63M | -1.58M | -2.46M | -2.12M | -2.14M | 2.38M | 234K | 255K | 0 |
| EPS (Diluted) | 1.96 | 7.36 | 9.84 | 10.12 | 5.20 | 5.08 | 4.48 | 5.16 | 6.88 | 6.03 | 6.10 | 5.23 | 9.97 | 4.61 | 2.27 | 1.58 | 1.59 | 0.75 | 0.85 | 3.25 |
| EPS Growth % | -62.31% | 44.88% | 119.64% | 96.12% | -24.42% | -15.75% | -26.56% | -1.34% | -30.99% | 30.8% | - | - | 339.21% | - | 43.67% | 85.88% | - | - | -73.85% | 13.24% |
| EPS (Basic) | 1.96 | 7.36 | 9.84 | 10.12 | 5.20 | 5.08 | 4.48 | 5.16 | 6.88 | 6.03 | 6.10 | 5.23 | 9.97 | 4.61 | 2.29 | 1.58 | 1.59 | 0.75 | 0.85 | 3.25 |
| Diluted Shares Outstanding | 51.54M | 51.31M | 52.7M | 53.37M | 53.15M | 53.17M | 53.08M | 53.03M | 53.37M | 53.69M | 53.51M | 53.43M | 53.45M | 53.77M | 54.02M | 54.02M | 54.02M | 54.02M | 54.02M | 50M |
| Basic Shares Outstanding | 51.54M | 51.31M | 52.7M | 53.37M | 53.28M | 53.17M | 53.08M | 53.03M | 53.48M | 53.69M | 53.51M | 53.43M | 53.45M | 53.77M | 54.46M | 54.05M | 54.02M | 54.02M | 54.02M | 50M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |