Jiayin Group Income Statement

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Revenue	6,536	5,801	5,467	3,271	1,780	1,300
Revenue Growth (YoY)	8.99%	6.11%	67.11%	83.74%	36.94%	-41.70%
Cost of Revenue	1,247	2,034	2,012	565.23	335.93	239.2
Gross Profit	5,290	3,768	3,455	2,706	1,445	1,061
Selling, General & Admin	2,736	2,135	1,754	1,275	824.44	530.03
Research & Development	405.63	372.44	296.32	216.69	143.73	151.55
Operating Expenses	3,194	2,520	2,123	1,524	1,013	758.85
Operating Income	2,095	1,248	1,332	1,182	431.96	302.11
Interest Expense	-	-	-	-	-1.12	-
Interest & Investment Income	16.99	18.28	12.9	0.28	-	7.72
Earnings From Equity Investments	-	-	-1.99	7.94	7.65	-7.51
Other Non Operating Income (Expenses)	82.13	95.43	14.83	43.45	16.95	6.71
EBT Excluding Unusual Items	2,194	1,362	1,358	1,234	455.44	309.03
Gain (Loss) on Sale of Investments	-51.92	-51.92	-91.24	-15.08	-	-67.17
Gain (Loss) on Sale of Assets	-14.43	-14.43	-2.01	-	-	-
Other Unusual Items	-	-	280.23	117.02	138.04	117.02
Pretax Income	2,128	1,295	1,545	1,336	593.49	358.88
Income Tax Expense	417.46	238.9	247.62	155.4	125.72	108.81
Earnings From Continuing Operations	1,711	1,056	1,298	1,180	467.76	250.07
Minority Interest in Earnings	0.02	0.01	0.04	-0.57	4.33	2.82
Net Income	1,711	1,056	1,298	1,180	472.09	252.88
Net Income to Common	1,711	1,056	1,298	1,180	472.09	252.88
Net Income Growth	48.92%	-18.58%	10.00%	149.88%	86.68%	-52.08%
Shares Outstanding (Basic)	53	53	53	54	54	54
Shares Outstanding (Diluted)	53	53	53	54	54	54
Shares Change (YoY)	-1.01%	-0.73%	-0.59%	-0.39%	-	2.70%
EPS (Basic)	32.50	19.89	24.25	21.92	8.74	4.68
EPS (Diluted)	32.49	19.88	24.24	21.92	8.72	4.68
EPS Growth	50.48%	-17.99%	10.58%	151.38%	86.33%	-53.35%
Free Cash Flow	-	686.36	358.05	116.12	181.77	-36.35
Free Cash Flow Per Share	-	12.92	6.69	2.16	3.37	-0.67
Dividend Per Share	5.838	3.650	5.673	-	-	-
Dividend Growth	-6.77%	-35.66%	-	-	-	-
Gross Margin	80.92%	64.95%	63.20%	82.72%	81.13%	81.60%
Operating Margin	32.06%	21.51%	24.37%	36.13%	24.26%	23.24%
Profit Margin	26.17%	18.21%	23.74%	36.06%	26.51%	19.45%
Free Cash Flow Margin	-	11.83%	6.55%	3.55%	10.21%	-2.80%
EBITDA	2,120	1,266	1,342	1,192	447.63	325.27
EBITDA Margin	32.43%	21.82%	24.55%	36.44%	25.14%	25.02%
D&A For EBITDA	24.18	17.87	9.46	9.96	15.67	23.16
EBIT	2,095	1,248	1,332	1,182	431.96	302.11
EBIT Margin	32.06%	21.51%	24.37%	36.13%	24.26%	23.24%
Effective Tax Rate	19.62%	18.44%	16.02%	11.63%	21.18%	30.32%
Advertising Expenses	-	12.86	12.66	8.44	6.7	21.7

Updated Nov 25, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

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