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Jiayin Group Inc.

JFIN

$2.51 ▼ -0.23 (-8.39%) at close

9 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Jiayin Group Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $524.3M

Dividend Yield —

Revenue Growth 12.0% ↗

Op. Margin 28.9% ↗

ROIC 28.7% ↘

FCF / Share $0.43 ↘

Trailing P/E 2.4x

Price / Book 0.8x

FCF Yield 17.0%

Debt / Equity 0.12

info Valuation on last close. End-of-day price, Aug 6, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$889.76M

↑ +12.0% —

Net Income Profit after all expenses

$219.61M

↑ +51.7% —

Operating Margin Operating profit as % of sales

28.9%

↑ +34.3% 85th

FCF / Share Free cash flow per share

$0.43

↓ -3.8% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns

Financial Health

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 May 10, 2019 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Revenue Growth YoY (%)	12.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+99%)	3.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	62.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+939%)	69.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1063%)	40.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+570%)	-37.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-730%)	—	—	—
EPS Growth YoY (%)	54.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-20.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	132.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	88.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-50.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	51.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-20.8% Weak ↓ Weak Declining Year-over-year change in net income	6.9% Fair ↓ Fair Declining Year-over-year change in net income	130.9% Excellent ↑ Excellent Improving Year-over-year change in net income	91.1% Excellent Excellent Year-over-year change in net income	-48.9% Weak Weak Year-over-year change in net income	—	—	—
FCF Growth YoY (%)	-3.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	87.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	201.3% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-40.8% Weak Weak Year-over-year change in free cash flow	N/M	-2769.0% Weak Weak Year-over-year change in free cash flow	—	—	—
Revenue CAGR 3Y (%)	23.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	41.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	56.9% Excellent Excellent Compound annual revenue growth over 3 years	14.0% Good Good Compound annual revenue growth over 3 years	—	—	—	—	—
Revenue CAGR 5Y (%)	34.9% Excellent Excellent Compound annual revenue growth over 5 years	19.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	9.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	26.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	67.8% Excellent Excellent Compound annual EPS growth over 3 years	29.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 May 10, 2019 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Operating Margin (%) (%)	28.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	21.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	24.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	36.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	24.3% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.2% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	24.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—
Effective Tax Rate (%) (%)	—	—	—	—	21.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	24.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	18.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	23.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	36.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	26.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	19.5% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	23.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	—	—
FCF Margin (%) (%)	10.0% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	11.8% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.5% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	3.5% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	10.2% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-2.8% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-0.1% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	0.41x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.65x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.28x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.10x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.39x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.14x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-0.00x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 May 10, 2019 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Return on Invested Capital (%)	28.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	31.5% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	44.2% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	75.1% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	1217.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-46.0% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-67.3% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—
Return on Capital (%) (%)	20.5% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	23.1% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	23.6% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	39.1% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	44.5% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	57.5% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	76.3% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	34.6% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+189%)	33.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+181%)	54.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+354%)	94.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+691%)	—	-54.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-557%)	-71.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-693%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 May 10, 2019 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Debt to Equity (x)	0.12x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	—	—	—	—	—	—	—	—
Interest Coverage (x)	810.77x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—	—	—	—	—	—	—
Net Debt (USD)	$64.94M	$-74.05M	$-52.14M	$-42.19M	$-28.65M	$-17.98M	$-17.55M	—	—
Debt / EBITDA (x)	0.29x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 May 10, 2019 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Revenue per Share (USD)	$4.26	$3.74	$3.60	$2.20	$1.29	$0.92	$1.52	—	—
Basic EPS, GAAP (USD)	$1.05	$0.68	$0.85	$0.79	$0.34	$0.18	$0.36	—	—
Free Cash Flow per Share (USD)	$0.43	$0.44	$0.24	$0.08	$0.13	$-0.03	$-0.00	—	—
Book Value per Share (USD)	$3.03	$2.02	$1.57	$0.84	$0.02	$-0.33	$-0.49	—	—
Tangible Book Value per Share (USD)	$3.03	$2.02	$1.57	$0.84	$0.02	$-0.33	$-0.49	—	—
Basic Weighted Avg Shares (shares)	208.90M	212.43M	214.00M	215.26M	216.10M	216.10M	210.41M	200.00M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 May 10, 2019 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Working Capital (USD)	$463.06M	—	—	—	—	—	—	—	—
LT Debt (USD)	$73.79M	—	—	—	—	—	—	—	—
Total Equity (USD)	$633.91M	$428.71M	$335.52M	$180.23M	$4.37M	$-70.75M	$-106.56M	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 May 10, 2019 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Sales/Revenue/Turnover (USD)	$889.76M	$794.74M	$769.99M	$474.31M	$279.40M	$199.26M	$320.35M	—	—
Net Income, GAAP (USD)	$219.61M	$144.74M	$182.77M	$171.03M	$74.08M	$38.76M	$75.81M	—	—
Operating Cash Flow (USD)	$179.80M	$195.29M	$54.87M	$19.37M	$28.96M	$-5.44M	$3.78M	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 9 years · 9 quarters

Jiayin Group Inc.

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

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