Jiayin Group Inc. ADR (JFIN) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 23	—	$0.76	—	—	—	—
Q1 23	—	$1.45	—	—	—	—
Q4 22	$0.35	$0.64	+82.9%	—	—	—
Q3 22	$2.28	$1.18	-48.2%	—	—	—
Q2 22	$0.27	$0.4	+48.1%	—	—	—
Q1 22	$0.32	$0.09	-71.9%	—	$511.2M	—
Q3 21	$0.33	$0.09	-72.7%	—	$577M	—
Q2 21	$0.21	$0.09	-57.1%	—	$492.2M	—
Q1 21	$0.2	$0.07	-65.0%	—	$343.1M	—
Q3 20	$0.09	$0.06	-33.3%	—	$401.3M	—
Q2 20	$0.09	$0.03	-66.7%	—	$245M	—
Q1 20	$0.09	$0.03	-66.7%	—	$313.5M	—
Q3 19	$0.25	$0.05	-80.0%	—	$510.8M	—
Q2 19	$0.6	$0.11	-81.7%	—	$635.6M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$29.4	—	—	$6.2B	—
FY24	—	$19.9	—	—	$5.8B	—
FY23	—	$24.2	—	—	$5.5B	—
FY22	—	$21.9	—	—	$3.3B	—
FY21

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$591.1M	$2.3B	$2.9B	$2.2B	$1.3B	$1.8B	$3.3B	$5.5B	$5.8B	$6.2B
YoY change	—	+280.8%	+28%	-22.6%	-41.7%	+36.9%	+83.7%	+67.1%	+6.11%	+7.26%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	591.1M	2.3B	2.9B	2.2B	1.3B	1.8B	3.3B	5.5B	5.8B	6.2B
Cost of revenue	143.2M	229.4M	401.7M	425.6M	239.2M	335.9M	565.2M	2B	2B	1.2B
Gross profit	447.9M	2B	2.5B	1.8B	1.1B	1.4B	2.7B	3.5B	3.8B	5B
Gross margin	75.8%	89.8%	86.1%	80.9%	81.6%	81.1%	82.7%	63.2%	64.9%	80.1%
Research & development	88.7M	181M	184.3M	201.4M	151.6M	143.7M	216.7M	296.3M	372.4M	427.1M
Selling, general & administrative	522.7M	980.5M	877M	836.3M	530M	824.4M	1.3B	1.8B	2.1B	2.7B
Operating expenses	960.7M	1.3B	1.8B	1.3B	758.9M	968.2M	1.5B	2.1B	2.5B	3.2B
Operating income	-512.8M	686.7M	685.2M	534.7M	302.1M	432M	1.2B	1.3B	1.2B	1.8B
Operating margin	-86.8%	30.5%	23.8%	24%	23.2%	24.3%	36.1%	24.4%	21.5%	28.9%
Non-operating income, net	3.3M	12.6M	20.3M	23.4M	56.6M	155M	145.4M	201.8M	29.1M	67.1M
Pretax income	-508M	701.2M	705.7M	563.8M	366.4M	585.8M	1.3B	1.5B	1.3B	1.9B
Income tax	-118.3M	161.6M	93.9M	37M	108.8M	125.7M	155.4M	247.6M	238.9M	337.7M
Net income	-389.8M	539.5M	611.8M	527.2M	250.1M	467.8M	1.2B	1.3B	1.1B	1.5B
Net margin	-65.9%	24%	21.2%	23.6%	19.2%	26.3%	36.1%	23.7%	18.2%	24.7%
EBITDA	-511.7M	690.8M	696.5M	552.4M	275.4M	309.6M	1.1B	1.2B	1.3B	1.9B
EPS	-7.29	10.1	11.4	10	4.68	8.72	21.9	24.2	19.9	29.4
Diluted EPS	-7.29	10.1	11.4	10	4.68	8.72	21.9	24.2	19.9	29.4

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	1.5B	1.6B	1.5B	206.1M	204M	1.4B	1.8B	1.9B	1.5B	1.1B	756.7M	736.9M
Cost of revenue	544.3M	837.2M	667M	84.9M	59.2M	339.3M	336M	285.1M	286.5M	328.2M	331.6M	549.3M
Gross profit	922.1M	763.3M	808.4M	121.2M	144.8M	1.1B	1.4B	1.6B	1.2B	762M	425.1M	187.5M
Gross margin	62.9%	47.7%	54.8%	58.8%	71%	75.8%	81.1%	84.9%	80.5%	69.9%	56.2%	25.5%
Research & development	70.5M	92.9M	83.3M	13M	13.5M	100.4M	88.1M	108.4M	108.7M	121.9M	109.8M	94.2M
Selling, general & administrative	461.1M	394.6M	406M	77M	85.6M	570.9M	727.3M	821M	616.6M	565.5M	384.2M	288.6M
Operating expenses	531.7M	487.6M	489.3M	89.9M	99.1M	671.3M	815.4M	929.5M	725.3M	687.4M	494M	382.9M
Operating income	381.9M	232M	316.4M	31.7M	44M	392.6M	606.6M	639.1M	456.9M	94.6M	-70.1M	-246.7M
Operating margin	26%	14.5%	21.4%	15.4%	21.6%	28%	34.2%	33.9%	31.1%	8.68%	-9.26%	-33.5%
Non-operating income, net	2.6M	188.2M	587K	9.2M	1.2M	-45.9M	52.4M	2.8M	6.5M	5.4M	1.4M	28.3M
Pretax income	387.4M	428.2M	318.9M	41.5M	45.7M	355.9M	663.2M	643.2M	465.8M	101.2M	-69.4M	-218.8M
Income tax	61.8M	62.6M	45.9M	8.2M	7.6M	80.3M	123.7M	124M	89.3M	532K	-7.8M	-35.2M
Net income	323.9M	367.6M	273.1M	33.3M	38.1M	275.5M	539.5M	519.1M	376.5M	100.6M	-61.7M	-183.6M
Net margin	22.1%	23%	18.5%	16.1%	18.7%	19.6%	30.4%	27.5%	25.6%	9.23%	-8.15%	-24.9%
EBITDA	381.9M	232M	316.4M	31.7M	44M	392.6M	606.6M	639.1M	456.9M	94.6M	-68.6M	-218.4M
EPS	6.04	6.88	5.16	4.48	5.08	5.2	10.1	9.84	7.32	1.96	-1.16	-3.56
Diluted EPS	6.04	6.88	5.16	4.48	5.08	5.2	10.1	9.84	7.32	1.96	-1.16	-3.56

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	—	—	—	2B	1.2B	861.7M	897.4M	2B	—	302.9M	302.9M
Enterprise value	—	—	—	1.8B	1.1B	714.4M	633.8M	1.7B	—	941.7M	941.7M
Shares outstanding	387.9M	387.9M	387.9M	381.4M	391.7M	391.7M	390.2M	389.1M	53.1M	52.2M	52.2M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	—	—	—	3.81	4.78	1.84	0.76	1.55	—	0.2	0.2
P/S	—	—	—	0.9	0.92	0.48	0.27	0.37	—	0.05	0.05
P/B	—	—	—	-2.71	-2.58	33.5	0.72	0.85	—	0.07	0.07
EV/EBITDA	—	—	—	3.35	3.93	2.31	0.58	1.47	—	0.5	0.5
EV/Sales	—	—	—	0.83	0.83	0.4	0.19	0.31	—	0.15	0.15
Earnings yield	—	—	—	26.3%	20.9%	54.3%	131.5%	64.4%	—	507%	507%
FCF yield	—	—	—	-0.07%	-3.04%	21.1%	12.9%	17.8%	—	205.4%	205.4%

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Gross margin	75.8%	89.8%	86.1%	80.9%	81.6%	81.1%	82.7%	63.2%	64.9%	80.1%	80.1%
Operating margin	-86.8%	30.5%	23.8%	24%	23.2%	24.3%	36.1%	24.4%	21.5%	28.9%	28.9%
Net margin	-65.9%	24%	21.2%	23.6%	19.2%	26.3%	36.1%	23.7%	18.2%	24.7%	24.7%
ROE	15.2%	-27.9%	-37%	-71.1%	-53.9%	1.8K%	95.1%	54.5%	33.8%	34.7%	34.7%
ROA	-19.2%	21.3%	76.3%	75.2%	47.6%	48.2%	39.1%	23%	19.5%	17.5%	17.5%
ROIC	18.6%	-20.8%	-35.1%	-55.6%	-36.9%	-279.1%	106.7%	54.4%	38.6%	29.1%	29.1%
Return on tangible assets	-19.2%	21.3%	76.3%	75.2%	47.6%	48.2%	39.1%	23%	19.5%	17.5%	17.5%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	0.41	0.55	0.29	0.39	0.38	0.85	1.58	2.39	2.15	1.88	1.88
Quick ratio	0.41	0.55	0.29	0.39	0.38	0.85	1.58	2.39	2.15	1.88	1.88
Debt / equity	—	—	0	-0.05	-0.01	1.37	0.02	0.02	0.02	0.16	0.16
Debt / assets	—	—	0	0.05	0.01	0.04	0.01	0.01	0.01	0.08	0.08
Net debt / EBITDA	—	—	-0.06	-0.28	-0.41	-0.48	-0.24	-0.28	-0.37	0.34	0.34
Effective tax rate	0%	23.1%	13.3%	6.56%	29.7%	21.5%	11.7%	16%	18.4%	18%	18%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	1.52	5.8	7.43	5.85	3.32	4.55	8.38	14	109.2	119.1	119.1
EPS (basic)	-7.29	10.1	11.4	10	4.68	8.72	21.9	24.2	19.9	29.4	29.4
EPS (diluted)	-7.29	10.1	11.4	10	4.68	8.72	21.9	24.2	19.9	29.4	29.4
Book value per share	-6.6	-4.98	-4.26	-1.94	-1.18	0.07	3.18	6.12	58.9	84.9	84.9
FCF per share	0.65	0.21	-0.63	-0	-0.09	0.46	0.3	0.92	12.9	11.9	11.9
Cash per share	0.51	1.56	0.11	0.5	0.3	0.47	0.75	0.95	10.2	1.18	1.18
Capex per share	0.02	0.06	0.04	0.07	0	0.01	0.04	0.08	13.9	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	1.14%	0.97%	0.57%	1.24%	0.07%	0.15%	0.53%	0.56%	12.7%	—	—
Capex / operating cash flow	27.2%	-6.84%	-2.04%	-10.4%	-0.36%	-9.15%	-12.2%	2.15%	-166.6%	—	—
Payout ratio	—	0%	65.4%	0%	0%	0.55%	0%	12.1%	28.5%	7.04%	7.04%
Dividend yield	—	—	—	0%	0%	0.3%	0%	7.77%	—	35.7%	35.7%

Yield

—

trailing twelve months

Frequency

Semi-annual

Last dividend

$0.80

ex-dividend Jul 14, 2025

Payout ratio

of earnings

Dividend growth

0 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Jul 14, 2025	$0.80
Aug 27, 2024	$0.50
Jan 18, 2024	$0.40
Jul 27, 2023	$0.40

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$1.5B	$1.6B	$1.5B	$206.1M	$204M	$1.4B	$1.8B	$1.9B	$1.5B	$1.1B	$756.7M	$736.9M
YoY change	+64%	+51.8%	+31.5%	-83.9%	-86.1%	-12.2%	+20.4%	+815.4%	+620.8%	-22.4%	-57.4%	-60.9%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	199M	606.1M	41.4M	191.8M	117.3M	182.6M	291M	370.2M	540.5M	61.8M
Receivables	—	0	336.8M	139.2M	109.9M	315.9M	1.3B	1.6B	2.7B	3.7B
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	1.9B	2.5B	716.6M	552.7M	370.5M	786.6M	2.8B	5.4B	4.3B	6.9B
Property, plant & equipment	5.4M	23.9M	29M	76.3M	26.4M	44.6M	46.5M	90M	97.2M	30.3M
Goodwill & intangibles	—	—	—	—	—	—	—	—	—	—
Total assets	2B	2.5B	801.9M	701.1M	525.4M	971.4M	3B	5.6B	5.4B	8.8B
Accounts payable	—	—	—	—	—	—	—	—	—	—
Short-term debt	—	—	—	2.7M	3.3M	16.9M	25M	15.6M	—	180.3M
Total current liabilities	4.6B	4.5B	2.5B	1.4B	987.3M	927.3M	1.8B	2.3B	2B	3.7B
Long-term debt	—	—	0	32.5M	1.9M	18.3M	2.5M	32.4M	51.7M	520.3M
Total liabilities	4.6B	4.5B	2.5B	1.4B	989.1M	945.7M	1.8B	3.3B	2.3B	4.3B
Shareholders' equity	-2.6B	-1.9B	-1.7B	-741.6M	-463.8M	25.7M	1.2B	2.4B	3.1B	4.4B
Total debt	—	—	0	35.2M	5.2M	35.2M	27.5M	48M	51.7M	700.6M
Net debt	—	—	-41.4M	-86.9M	-112.1M	-147.3M	-263.6M	-322.2M	-488.8M	638.8M

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	180.3M	370.2M	568.2M	122.9M	104.6M	540.5M	190.3M	316.2M	124.2M	61.8M	43.4M	504M
Receivables	2.1B	1.6B	2.2B	339.5M	398.1M	2.7B	3.5B	4.1B	4.2B	3.7B	3.1B	2.6B
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	4.8B	5.4B	4.9B	728.7M	689.4M	4.3B	4.6B	5.5B	6.1B	6.9B	6.7B	6.6B
Property, plant & equipment	84.6M	90M	89.9M	13.9M	13.9M	97.2M	1.4B	1.4B	1.4B	30.3M	1.3B	1.3B
Goodwill & intangibles	—	—	—	—	—	—	—	—	—	—	—	—
Total assets	5.1B	5.6B	5.2B	772.7M	740.8M	5.4B	6.4B	7.3B	7.9B	8.8B	8.5B	8.6B
Accounts payable	—	—	—	—	—	—	—	—	—	—	—	—
Short-term debt	—	15.6M	—	—	—	—	—	—	—	180.3M	177.1M	162.1M
Total current liabilities	3B	2.3B	2B	311.8M	281.3M	2B	2.4B	3B	3B	3.7B	3.5B	3.7B
Long-term debt	53.2M	32.4M	50M	7.6M	7.7M	51.7M	47.1M	43.4M	35.9M	520.3M	516.8M	474.8M
Total liabilities	3B	3.3B	2.7B	389.1M	338.6M	2.3B	2.7B	3.4B	3.6B	4.3B	4.2B	4.4B
Shareholders' equity	2B	2.4B	2.5B	383.6M	402.2M	3.1B	3.7B	3.9B	4.3B	4.4B	4.4B	4.2B
Total debt	53.2M	48M	50M	7.6M	7.7M	51.7M	47.1M	43.4M	35.9M	700.6M	693.9M	636.9M
Net debt	-127.1M	-322.2M	-518.1M	-115.2M	-97M	-488.8M	-143.1M	-272.9M	-88.2M	638.8M	650.5M	132.9M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	-389.8M	539.5M	611.8M	527.2M	250.1M	467.8M	1.2B	1.3B	1.1B	1.5B
Depreciation & amortization	1.1M	4.1M	11.3M	17.7M	23.2M	15.7M	10M	9.5M	17.9M	70.9M
Stock-based compensation	39.9M	89.4M	67.8M	147.6M	30.7M	15.2M	42.5M	54.4M	59.1M	157.9M
Change in working capital	373.4M	-950.9M	-1.5B	-958.2M	-425.8M	-392.4M	-1.3B	327.9M	-1.6B	-588.8M
Operating cash flow	24.7M	-317.8M	-806.7M	-265.8M	-236M	-30.1M	-142.7M	1.4B	-443.6M	1.3B
Capital expenditure	-6.7M	-21.7M	-16.4M	-27.6M	-847K	-2.8M	-17.5M	-30.7M	-739.1M	—
Investing cash flow	-89.7M	61.2M	-16.4M	-234.2M	33.2M	-126.2M	-22.9M	-105.8M	-783.5M	-1.3B
Dividends paid	—	0	-400M	0	0	2.6M	0	-156.7M	-301.2M	-108.2M
Share repurchases	—	—	—	—	0	0	-14.8M	-38.1M	-53.3M	-110.7M
Financing cash flow	262.1M	27.8M	-467.2M	244.9M	3.6M	-9.8M	-14.8M	-194.8M	-338.6M	-232.8M
Net change in cash	197.1M	-228.9M	-1.3B	-255M	-199.1M	-166.2M	-180.4M	1.1B	-1.6B	-290M
Free cash flow	250.8M	83M	-245.3M	-1.3M	-36.4M	181.8M	116.1M	358M	686.4M	622.3M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q4 17	Q4 18
Net income	143.3M	162.3M
Depreciation & amortization	1.6M	3.8M
Stock-based compensation	14.5M	46M
Change in working capital	-241.2M	-761.7M
Operating cash flow	-81.8M	-549.6M
Capital expenditure	-9.6M	-2.2M
Investing cash flow	-9.6M	-2.2M
Dividends paid	—	0
Share repurchases	—	—
Financing cash flow	3.9M	140.8M
Net change in cash	-87.5M	-411M
Free cash flow	89.9M	-364.1M

Jiayin Group Inc. ADR Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement