Jiayin Group Inc. (JFIN)

NASDAQ: JFIN · Real-Time Price · USD

2.160

-0.050 (-2.26%)

At close: Jul 31, 2026, 4:00 PM EDT

2.175

+0.015 (0.69%)

After-hours: Jul 31, 2026, 7:34 PM EDT

Jiayin Group Financials Overview

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

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	5,203	6,222	5,801	5,467	3,271	1,780
Revenue Growth	-14.72%	7.26%	6.11%	67.11%	83.74%	36.94%
Gross Profit	3,972	4,986	3,768	3,455	2,706	1,445
Operating Income	1,121	1,797	1,248	1,332	1,182	431.96
Net Income	934.6	1,536	1,056	1,298	1,180	472.09
Earnings Per Share	17.96	29.40	19.88	24.24	21.92	8.72
EPS Growth	-27.81%	47.89%	-17.99%	10.58%	151.38%	86.33%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	43.38	61.84	540.52	370.19	291.02	182.55
Total Debt	693.9	700.63	51.68	0	0	0
Net Cash (Debt)	-650.52	-638.79	488.85	370.19	291.02	182.55
Net Cash Growth	-	-	32.05%	27.21%	59.42%	55.60%
Net Cash Per Share	-12.52	-12.23	9.20	6.92	5.41	3.38

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	1,257	1,257	1,425	389.59	133.59	184.54
Capital Expenditures	-635.08	-635.08	-739.13	-31.54	-17.47	-2.77
Free Cash Flow	622.27	622.27	686.36	358.05	116.12	181.77
Free Cash Flow Growth	242.34%	-9.34%	91.70%	208.33%	-36.12%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	76.34%	80.14%	64.95%	63.20%	82.72%	81.13%
Operating Margin	21.54%	28.89%	21.51%	24.37%	36.13%	24.26%
Pretax Margin	21.92%	30.11%	22.33%	28.30%	40.58%	32.90%
Profit Margin	17.96%	24.68%	18.21%	23.74%	36.08%	26.27%
FCF Margin	0.00%	10.00%	11.83%	6.55%	3.55%	10.21%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 2, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.800	5.596	3.650	5.673	-	-
Dividend Per Share Growth	-9.71%	53.32%	-35.66%	-	-	-
Dividend Yield	37.04%	5.10%	12.20%	7.99%	0.00%	-0.34%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 2, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	0.83	1.38	2.34	1.51	0.72	1.60
Forward PE	-	1.35	1.35	1.35	1.35	1.33
P/FCF Ratio	1.23	3.41	3.62	5.43	29.20	4.16
PS Ratio	0.15	0.34	0.43	0.36	1.04	0.42