JFINNasdaqFinance ServicesFiscal year ends December 31
Jiayin Group Inc.
Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 28, 2026
$1.33+0.05 (+4.30%)
Close on Oct 19, 2026
Margins
Share of revenue, fiscal years 2016 to 2025
Operating margin
28.9%+5.6 pts over 5 years
Net margin
24.7%+5.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +7.3% | +23.9% | +36.8% | – | |
| Operating income | +44.0% | +15.0% | +42.9% | – | |
| Net income | +45.4% | +9.2% | +43.4% | – | |
| EPS, diluted | +47.9% | +10.3% | +44.4% | – | |
| Free cash flow | -9.3% | +75.0% | – | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | -42.0% | 40.6% | |
| Return on assets | – | 41.2% | 21.7% | |
| Current ratio | – | – | 1.88 | |
| Capex to revenue | – | 0.1% | 10.2% | |
| Diluted shares | – | 216M | 209M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Jiayin generated CN¥3.39B from operations and spent CN¥1.64B on capital expenditure, dividends and share buybacks. 87% of that went back into the business.
Generated
CN¥3.39B
Used
CN¥1.64B
Capital expenditureCN¥1.43B87%DividendsCN¥00%Share buybacksCN¥216.82M13%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin24.7%
×Asset turnover0.88×
×Equity multiplier1.87×
=Return on equity, FY202540.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 24.7% | 0.88× | 1.87× | 40.6% |
| FY2024 | 18.2% | 1.05× | 2.01× | 38.3% |
| FY2023 | 23.7% | 1.26× | 2.39× | 71.6% |
| FY2022 | 36.1% | 1.64× | 3.14× | 185.6% |
| FY2021 | 26.5% | 2.38× | -3.45× | -217.7% |
| FY2020 | 19.5% | 2.12× | -1.02× | -42.0% |
| FY2019 | 23.7% | 2.97× | -0.63× | -44.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 7 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zeroCN¥1.54B
- Cash generatingOperating cash flow above zeroCN¥1.26B
- Return on assets improvedROA up on the prior year18.7% → 28.4%
- Earnings backed by cashOperating cash flow above net incomeCN¥1.26B vs CN¥1.54B
- Less leverageLong-term debt to assets fell– → 5.9%
- Better liquidityCurrent ratio rose1.98 → 1.88
- No dilutionShare count did not rise212M → 209M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose1.03 → 1.15