NASDAQ : JFIN
Jiayin Group Inc. — Financial statements
Communication Services · Internet Content & Information · China
Last price 1.62 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 84.77M
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Financial statements
Jiayin Group Inc. (JFIN) reported revenue of 4.05B CNY (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year January - December; amounts in CNY.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Revenue | 4.05B | 6.22B | 5.80B | 5.47B | 3.27B | 1.78B |
| Cost of Revenue | 1.50B | 1.24B | 2.03B | 2.01B | 565.23M | 335.93M |
| Gross Profit | 2.56B | 4.99B | 3.77B | 3.46B | 2.71B | 1.44B |
| Selling, General & Admin | 1.86B | 2.73B | 2.13B | 1.75B | 1.28B | 824.44M |
| Research & Development | 434.61M | 427.12M | 372.44M | 296.32M | 216.69M | 143.73M |
| Operating Expenses | 2.32B | 3.19B | 2.52B | 2.12B | 1.52B | 1.01B |
| Operating Income | 234.86M | 1.80B | 1.25B | 1.33B | 1.18B | 431.96M |
| Interest Expense | -1.18M | -1.12M | ||||
| Interest & Investment Income | 3.48M | 8.95M | 18.28M | 12.89M | 281.00K | |
| Earnings From Equity Investments | -1.99M | 7.94M | 7.65M | |||
| Other Non Operating Income (Expenses) | 41.63M | 67.11M | 95.43M | 14.83M | 43.45M | 16.95M |
| EBT Excluding Unusual Items | 278.79M | 1.87B | 1.36B | 1.36B | 1.23B | 455.44M |
| Gain (Loss) on Sale of Investments | -51.92M | -91.24M | -15.08M | |||
| Gain (Loss) on Sale of Assets | -14.43M | -2.01M | ||||
| Other Unusual Items | 280.23M | 117.02M | 138.04M | |||
| Pretax Income | 278.79M | 1.87B | 1.30B | 1.55B | 1.34B | 593.49M |
| Income Tax Expense | 46.89M | 337.65M | 238.90M | 247.62M | 155.40M | 125.72M |
| Earnings From Continuing Operations | 231.90M | 1.54B | 1.06B | 1.30B | 1.18B | 467.76M |
| Minority Interest in Earnings | 16.00K | 9.00K | 10.00K | 43.00K | -574.00K | 4.33M |
| Net Income | 231.92M | 1.54B | 1.06B | 1.30B | 1.18B | 472.09M |
| Net Income to Common | 231.92M | 1.54B | 1.06B | 1.30B | 1.18B | 472.09M |
| Shares Outstanding (Basic) | 51.89M | 52.23M | 53.11M | 53.50M | 53.81M | 54.02M |
| Shares Outstanding (Diluted) | 51.89M | 52.23M | 53.11M | 53.50M | 53.81M | 54.02M |
| EPS (Basic) | 4.47 | 29.41 | 19.89 | 24.25 | 21.92 | 8.74 |
| EPS (Diluted) | 4.46 | 29.40 | 19.88 | 24.24 | 21.92 | 8.72 |
| Free Cash Flow | 622.27M | 686.36M | 358.05M | 116.12M | 181.77M | |
| Free Cash Flow Per Share | 11.91 | 12.92 | 6.69 | 2.16 | 3.37 | |
| Dividend Per Share | 5.60 | 3.65 | 5.67 | |||
| Gross Margin | 63.11% | 80.14% | 64.95% | 63.20% | 82.72% | 81.13% |
| Operating Margin | 5.79% | 28.89% | 21.51% | 24.37% | 36.13% | 24.26% |
| Profit Margin | 5.72% | 24.68% | 18.21% | 23.74% | 36.06% | 26.51% |
| Free Cash Flow Margin | 10.00% | 11.83% | 6.55% | 3.55% | 10.21% | |
| EBITDA | 332.28M | 1.87B | 1.27B | 1.34B | 1.19B | 447.63M |
| EBITDA Margin | 8.20% | 30.03% | 21.82% | 24.55% | 36.44% | 25.14% |
| D&A For EBITDA | 97.42M | 70.90M | 17.87M | 9.46M | 9.96M | 15.67M |
| EBIT | 234.86M | 1.80B | 1.25B | 1.33B | 1.18B | 431.96M |
| EBIT Margin | 5.79% | 28.89% | 21.51% | 24.37% | 36.13% | 24.26% |
| Effective Tax Rate | 16.82% | 18.02% | 18.44% | 16.02% | 11.63% | 21.18% |
| Advertising Expenses | 12.47M | 12.86M | 12.66M | 8.44M | 6.70M |
Balance sheet
Fiscal year January - December; amounts in CNY.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 503.99M | 61.84M | 540.52M | 370.19M | 291.02M | 182.55M |
| Cash & Short-Term Investments | 503.99M | 61.84M | 540.52M | 370.19M | 291.02M | 182.55M |
| Accounts Receivable | 2.55B | 3.73B | 2.99B | 2.10B | 1.73B | 502.43M |
| Other Receivables | 589.76M | 205.78M | 933.95M | 37.02M | ||
| Receivables | 3.57B | 5.23B | 3.49B | 4.03B | 2.05B | 539.78M |
| Prepaid Expenses | 2.25B | |||||
| Restricted Cash | 279.10M | 413.60M | 137.33M | 2.44M | 2.02M | 2.02M |
| Other Current Assets | 1.22B | 164.35M | 984.82M | 472.83M | 62.26M | |
| Total Current Assets | 6.61B | 6.92B | 4.33B | 5.39B | 2.81B | 786.60M |
| Property, Plant & Equipment | 1.31B | 1.36B | 97.16M | 89.99M | 46.50M | 44.61M |
| Long-Term Investments | 358.27M | 302.08M | 162.27M | 101.48M | 90.50M | 90.53M |
| Long-Term Deferred Tax Assets | 156.50M | 96.53M | 72.41M | 61.17M | 70.78M | 48.46M |
| Other Long-Term Assets | 142.99M | 76.55M | 745.43M | 2.26M | 1.76M | 1.24M |
| Total Assets | 8.58B | 8.76B | 5.41B | 5.64B | 3.02B | 971.43M |
| Accrued Expenses | 1.43B | 1.16B | 701.04M | 419.22M | 337.07M | 149.87M |
| Short-Term Debt | 70.40M | |||||
| Current Portion of Long-Term Debt | 154.94M | 84.64M | ||||
| Current Portion of Leases | 7.18M | 25.29M | 23.44M | 24.99M | 16.91M | |
| Current Income Taxes Payable | 880.65M | 1.05B | 687.03M | 568.82M | 632.83M | 409.06M |
| Current Unearned Revenue | 493.89M | 458.90M | 229.50M | |||
| Other Current Liabilities | 722.37M | 828.24M | 542.57M | 309.83M | 287.00M | 29.48M |
| Total Current Liabilities | 3.68B | 3.68B | 2.18B | 1.30B | 1.28B | 605.32M |
| Long-Term Debt | 474.00M | 516.00M | ||||
| Long-Term Leases | 775.00K | 4.30M | 28.23M | 47.96M | 2.48M | 18.34M |
| Long-Term Unearned Revenue | 886.86M | 276.52M | ||||
| Long-Term Deferred Tax Liabilities | 108.70M | 106.91M | 70.45M | 40.12M | ||
| Other Long-Term Liabilities | 101.84M | 12.88M | 991.50M | 218.49M | 322.03M | |
| Total Liabilities | 4.37B | 4.32B | 2.28B | 3.26B | 1.78B | 945.68M |
| Additional Paid-In Capital | 1.13B | 909.65M | 901.93M | 870.56M | 840.58M | |
| Retained Earnings | 3.48B | 2.24B | 1.53B | 384.90M | -794.76M | |
| Treasury Stock | -189.69M | -28.89M | -35.44M | -9.26M | ||
| Comprehensive Income & Other | 10.85M | 7.10M | -10.19M | -3.11M | -17.95M | |
| Total Common Equity | 4.21B | 4.43B | 3.13B | 2.38B | 1.24B | 27.86M |
| Minority Interest | -1.56M | -1.66M | -1.68M | -1.58M | -2.12M | |
| Shareholders' Equity | 4.21B | 4.43B | 3.13B | 2.38B | 1.24B | 25.75M |
| Total Liabilities & Equity | 8.58B | 8.76B | 5.41B | 5.64B | 3.02B | 971.43M |
| Total Debt | 636.89M | 700.63M | 51.68M | 47.96M | 27.46M | 35.24M |
| Net Cash (Debt) | -132.90M | -638.79M | 488.85M | 322.24M | 263.55M | 147.31M |
| Net Cash Per Share | -2.56 | -12.23 | 9.20 | 6.02 | 4.90 | 2.73 |
| Filing Date Shares Outstanding | 52.40M | 52.33M | 53.37M | 53.03M | 53.43M | 54.02M |
| Total Common Shares Outstanding | 52.40M | 52.33M | 53.37M | 53.03M | 53.43M | 54.02M |
| Working Capital | 2.92B | 3.24B | 2.15B | 4.09B | 1.53B | 181.28M |
| Book Value Per Share | 80.32 | 84.71 | 58.63 | 44.92 | 23.26 | 0.52 |
| Tangible Book Value | 4.21B | 4.43B | 3.13B | 2.38B | 1.24B | 27.86M |
| Tangible Book Value Per Share | 80.32 | 84.71 | 58.63 | 44.92 | 23.26 | 0.52 |
| Buildings | 1.33B | |||||
| Machinery | 116.70M | 146.50M | 115.61M | 85.24M | 67.78M | |
| Leasehold Improvements | 8.09M | 8.09M | 8.09M |
Cash flow statement
Fiscal year January - December; amounts in CNY.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 1.54B | 1.06B | 1.30B | 1.18B | 472.09M | |
| Depreciation & Amortization | 70.90M | 17.87M | 9.46M | 9.96M | 15.67M | |
| Loss (Gain) From Sale of Assets | -171.00K | 14.43M | -278.41M | -117.02M | -135.66M | |
| Loss (Gain) From Sale of Investments | -2.13M | -17.09M | 91.24M | 15.08M | ||
| Loss (Gain) on Equity Investments | 1.99M | -7.94M | -7.65M | |||
| Stock-Based Compensation | 157.94M | 59.12M | 54.35M | 42.55M | 15.19M | |
| Provision & Write-off of Bad Debts | 31.52M | 12.20M | 72.76M | 32.05M | 44.43M | |
| Other Operating Activities | 25.67M | 23.55M | 20.99M | 574.00K | -2.58M | |
| Change in Accounts Receivable | -748.62M | -886.46M | -497.47M | -1.23B | -344.39M | |
| Change in Unearned Revenue | 229.40M | -657.36M | 821.64M | 276.52M | ||
| Change in Income Taxes | 367.49M | 124.84M | 219.35M | 223.76M | 138.30M | |
| Change in Other Net Operating Assets | -386.26M | 1.70B | -1.42B | -266.95M | 2.10M | |
| Operating Cash Flow | 1.26B | 1.43B | 389.59M | 133.59M | 184.54M | |
| Capital Expenditures | -635.08M | -739.13M | -31.54M | -17.47M | -2.77M | |
| Sale of Property, Plant & Equipment | 3.43M | 2.00K | 840.00K | 11.00K | ||
| Cash Acquisitions | -95.00M | |||||
| Divestitures | 16.85M | -2.68M | -68.75M | -16.04M | ||
| Investment in Securities | -167.02M | -28.56M | -77.53M | |||
| Other Investing Activities | -1.16B | -13.15M | 71.13M | -5.48M | -12.42M | |
| Investing Cash Flow | -1.95B | -783.52M | -105.85M | -22.95M | -126.22M | |
| Short-Term Debt Issued | 756.47M | 27.34M | 15.00M | |||
| Long-Term Debt Issued | 669.60M | |||||
| Total Debt Issued | 1.43B | 27.34M | 15.00M | |||
| Short-Term Debt Repaid | -720.01M | -5.75M | -15.00M | |||
| Total Debt Repaid | -720.01M | -5.75M | -15.00M | |||
| Net Debt Issued (Repaid) | 706.06M | 21.58M | ||||
| Issuance of Common Stock | 169.00K | 1.27M | 2.18M | 7.35M | ||
| Repurchase of Common Stock | -110.73M | -53.26M | -38.08M | -14.75M | ||
| Common Dividends Paid | -108.16M | -301.18M | -156.67M | |||
| Other Financing Activities | 2.59M | |||||
| Financing Cash Flow | 487.17M | -332.69M | -193.48M | -12.57M | 9.94M | |
| Foreign Exchange Rate Adjustments | -737.00K | -4.05M | -10.67M | 10.40M | -3.01M | |
| Net Cash Flow | -202.42M | 305.23M | 79.59M | 108.47M | 65.25M | |
| Free Cash Flow | 622.27M | 686.36M | 358.05M | 116.12M | 181.77M | |
| Free Cash Flow Margin | 10.00% | 11.83% | 6.55% | 3.55% | 10.21% | |
| Free Cash Flow Per Share | 11.91 | 12.92 | 6.69 | 2.16 | 3.37 | |
| Levered Free Cash Flow | -1.01B | 2.21B | -1.59B | -473.98M | 120.70M | |
| Unlevered Free Cash Flow | -1.01B | 2.21B | -1.59B | -473.98M | 121.40M | |
| Cash Interest Paid | 2.22M | |||||
| Cash Income Tax Paid | 34.16M | 118.68M | 40.90M | 1.90M | 6.61M | |
| Change in Working Capital | -562.12M | 258.93M | -880.41M | -1.02B | -216.94M |
Ratios
Fiscal year January - December; amounts in CNY.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 84.77M | 309.54M | 337.82M | 278.09M | 122.68M | 118.86M |
| Enterprise Value | 104.34M | 297.15M | 239.88M | 260.46M | 95.36M | 97.63M |
| Last Close Price | 1.62 | 5.80 | 6.09 | 4.32 | 1.82 | 1.74 |
| PE Ratio | 2.47 | 1.41 | 2.33 | 1.52 | 0.72 | 1.60 |
| Forward PE | 1.35 | 1.35 | 1.35 | 1.35 | 1.33 | |
| PS Ratio | 0.14 | 0.35 | 0.42 | 0.36 | 0.26 | 0.42 |
| PB Ratio | 0.14 | 0.49 | 0.79 | 0.83 | 0.68 | 29.32 |
| P/TBV Ratio | 0.14 | 0.49 | 0.79 | 0.83 | 0.68 | 27.10 |
| P/FCF Ratio | 0.91 | 3.48 | 3.59 | 5.51 | 7.29 | 4.15 |
| P/OCF Ratio | 1.72 | 1.73 | 5.06 | 6.33 | 4.09 | |
| EV/Sales Ratio | 0.17 | 0.33 | 0.30 | 0.34 | 0.20 | 0.35 |
| EV/EBITDA Ratio | 2.13 | 1.11 | 1.38 | 1.38 | 0.55 | 1.39 |
| EV/EBIT Ratio | 3.02 | 1.16 | 1.40 | 1.39 | 0.56 | 1.44 |
| EV/FCF Ratio | 1.12 | 3.34 | 2.55 | 5.16 | 5.66 | 3.41 |
| Debt / Equity Ratio | 0.15 | 0.16 | 0.02 | 0.02 | 0.02 | 1.37 |
| Debt / EBITDA Ratio | 1.78 | 0.37 | 0.04 | 0.04 | 0.02 | 0.08 |
| Debt / FCF Ratio | 1.13 | 0.07 | 0.13 | 0.24 | 0.19 | |
| Net Debt / Equity Ratio | 0.03 | 0.14 | -0.16 | -0.14 | -0.21 | -5.72 |
| Net Debt / EBITDA Ratio | 0.40 | 0.34 | -0.39 | -0.24 | -0.22 | -0.33 |
| Net Debt / FCF Ratio | 1.03 | -0.71 | -0.90 | -2.27 | -0.81 | |
| Asset Turnover | 0.51 | 0.88 | 1.05 | 1.26 | 1.64 | 2.38 |
| Quick Ratio | 0.83 | 1.19 | 1.71 | 2.63 | 1.58 | 1.19 |
| Current Ratio | 1.79 | 1.88 | 1.98 | 4.15 | 2.19 | 1.30 |
| Return on Equity (ROE) | 5.73% | 40.63% | 38.36% | 71.65% | 186.27% | |
| Return on Assets (ROA) | 1.85% | 15.86% | 14.11% | 19.22% | 37.01% | 36.07% |
| Return on Invested Capital (ROIC) | 4.17% | 38.22% | 43.34% | 73.71% | 106.80% | |
| Return on Capital Employed (ROCE) | 4.80% | 35.40% | 38.70% | 30.70% | 68.00% | 118.00% |
| Earnings Yield | 40.56% | 70.93% | 42.85% | 65.81% | 139.41% | 62.52% |
| FCF Yield | 110.37% | 28.74% | 27.84% | 18.16% | 13.72% | 24.07% |
| Dividend Yield | 49.38% | 13.52% | 7.90% | 15.26% | ||
| Payout Ratio | 7.04% | 28.51% | 12.07% | |||
| Buyback Yield / Dilution | 2.27% | 1.66% | 0.73% | 0.59% | 0.39% | |
| Total Shareholder Return | 51.66% | 15.19% | 8.63% | 15.84% | 0.39% |