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
Jiayin statistics
Financials through Dec 31, 2025, price-based ratios appear once a share price is available, median of Finance Services companies for comparison
Valuation
| Measure | Jiayin | Industry median |
|---|---|---|
| Market Cap | CN¥467.50M | CN¥467.50M |
| Enterprise Value | CN¥1.08B | CN¥3.60M |
| PE Ratio | 0.30 | 0.97 |
| PS Ratio | 0.08 | 0.35 |
| PB Ratio | 0.11 | 0.18 |
| P/TBV Ratio | 0.11 | 0.18 |
| P/FCF Ratio | 0.75 | 1.01 |
| P/OCF Ratio | 0.37 | 0.99 |
Enterprise value
| Measure | Jiayin | Industry median |
|---|---|---|
| EV / Sales | 0.17 | 0.02 |
| EV / EBITDA | 0.58 | 0.13 |
| EV / EBIT | 0.60 | |
| EV / FCF | 1.73 | -0.27 |
Income (trailing twelve months)
| Measure | Jiayin | Industry median |
|---|---|---|
| Revenue | CN¥6.22B | CN¥134.31M |
| Operating Income | CN¥1.80B | -CN¥85.75M |
| Pretax Income | CN¥1.87B | CN¥739.30M |
| Net Income | CN¥1.54B | CN¥1.09B |
| EBITDA | CN¥1.87B | CN¥11.27M |
| EPS (Diluted) | 7.35 CNY | 1.92 CNY |
Margins
| Measure | Jiayin | Industry median |
|---|---|---|
| Operating Margin | 28.9% | -47.7% |
| Pretax Margin | 30.1% | 22.9% |
| Profit Margin | 24.7% | 75.0% |
| EBITDA Margin | 30.0% | 8.39% |
| FCF Margin | 10.0% | 56.5% |
Returns
| Measure | Jiayin | Industry median |
|---|---|---|
| Return on Equity (ROE) | 40.6% | 11.1% |
| Return on Assets (ROA) | 21.7% | 7.90% |
| Return on Invested Capital (ROIC) | 38.6% | -1.07% |
| Return on Capital Employed (ROCE) | 35.4% |
Growth
| Measure | Jiayin | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 7.26% | 1.18% |
| Net Income Growth (YoY) | 45.4% | 26.0% |
| EPS Growth (YoY) | 47.9% | 11.8% |
| FCF Growth (YoY) | -9.34% | -6.77% |
| Revenue Growth (3Y CAGR) | 23.9% | 3.01% |
| Revenue Growth (5Y CAGR) | 36.8% | 7.20% |
| EPS Growth (3Y CAGR) | 10.3% | 15.5% |
| EPS Growth (5Y CAGR) | 44.4% |
Balance sheet
| Measure | Jiayin | Industry median |
|---|---|---|
| Cash & Short-Term Investments | CN¥61.84M | CN¥1.57B |
| Total Debt | CN¥671.04M | CN¥409.53M |
| Net Cash (Debt) | -CN¥609.21M | CN¥851.82M |
| Net Cash Per Share | -2.91 CNY | 1.76 CNY |
| Equity (Book Value) | CN¥4.43B | CN¥7.84B |
| Book Value Per Share | 21.18 CNY | 16.71 CNY |
| Tangible Book Value | CN¥4.43B | CN¥7.80B |
| Working Capital | CN¥3.24B | CN¥8.64B |
Financial position
| Measure | Jiayin | Industry median |
|---|---|---|
| Current Ratio | 1.88 | 1.89 |
| Quick Ratio | 0.02 | 0.22 |
| Debt / Equity | 0.15 | 0.09 |
| Debt / EBITDA | 0.36 | |
| Debt / FCF | 1.08 | 0.30 |
| Net Debt / EBITDA | 0.33 |
Cash flow (trailing twelve months)
| Measure | Jiayin | Industry median |
|---|---|---|
| Operating Cash Flow | CN¥1.26B | CN¥703.62M |
| Capital Expenditures | -CN¥635.08M | -CN¥84.19M |
| Free Cash Flow | CN¥622.27M | CN¥677.88M |
| FCF Per Share | 2.97 CNY | 3.08 CNY |
Efficiency
| Measure | Jiayin | Industry median |
|---|---|---|
| Asset Turnover | 0.88 | 0.18 |
| Revenue Per Employee | CN¥5.39M | CN¥821.00K |
| Profits Per Employee | CN¥1.33M | CN¥831.53K |
| Employee Count | 1,155 | 643 |
Dividends and yields
| Measure | Jiayin | Industry median |
|---|---|---|
| Earnings Yield | 328.5% | 43.9% |
| FCF Yield | 133.1% | 99.3% |
| Buyback Yield | 23.7% | 10.8% |
| Shareholder Yield | 23.7% | 10.8% |
Shares
| Measure | Jiayin | Industry median |
|---|---|---|
| Shares Outstanding | 209,318,000 | 469,036,000 |
| Shares Change (YoY) | -1.66% | 1.06% |
| Float | 67,033,400 | 194,899,000 |
| Shares Held by Insiders | 68.0% | 40.2% |
| Shares Held by Institutions | 0.27% | 0.72% |
Taxes
| Measure | Jiayin | Industry median |
|---|---|---|
| Income Tax | CN¥337.65M | CN¥173.99M |
| Effective Tax Rate | 18.0% | 18.0% |
Scores
| Measure | Jiayin | Industry median |
|---|---|---|
| Graham Number | 59.18 CNY | 33.14 CNY |
| Graham Upside | 2549.7% | 905.6% |
| Altman Z-Score | 2.45 | 1.36 |
| Piotroski F-Score | 5 | 5 |
Calculated by StockData from Jiayin's SEC filings. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.