JFIN

MKT CAP:$242M

Jiayin Group Inc.

Market Cap

$242M

Communication Services·Internet Content & Information·🇨🇳 China·NASDAQ

Communication·Internet·🇨🇳·NASDAQ

Stock Price

$4.66-$1.36 (-22.59%)

Apr 24, 2026

Company Details

Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates transparent, secure, and fast connections between individual borrowers and financial ins...

CEO

Dinggui Yan

IPO Date

May 10, 2019

Website

www.jiayinfintech.cn

Key Metrics TTM

Revenue

$907M

+7.0% YoY

Net Income

$224M

EPS (Diluted)

$4.28

Free Cash Flow

$0

Revenue / Share

$17.60

Gross Margin

80.2%

Operating Margin

28.9%

Net Margin

24.7%

FCF Margin

0.0%

P/S

0.3x

P/E

1.1x

Earnings Reports

FY 2025

Dec 30, 2025

$884M+4.3%EPS $4.18

Q4 2025

Dec 30, 2025

$157M-23.4%EPS $0.29

Q3 2025

Nov 25, 2025

$215M+1.8%EPS $1.08

Q2 2025

Aug 20, 2025

$276M+27.8%EPS $1.44

Q1 2025

Jun 4, 2025

$259M+20.4%EPS $1.48

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q3 20	$59M	$50M	$22M
Q1 21	$50M	$41M	$17M
Q2 21	$72M	$59M	$22M
Q3 21	$84M	$70M	$22M
Q1 22	$75M	$61M	$27M
Q2 22	$119M	$100M	$50M
Q1 23	$164M	$124M	$51M
Q4 23	$234M	$112M	$34M
Q1 24	$216M	$118M	$46M
Q2 24	$216M	$127M	$33M
Q3 24	$211M	$150M	$46M
Q4 24	$205M	$156M	$57M
Q1 25	$259M	$210M	$89M
Q2 25	$276M	$234M	$93M
Q3 25	$215M	$173M	$67M
Q4 25	$157M	$110M	$14M

Valuation

Quarter	P/S	P/E
Q3 20	0.8x	4.5x
Q1 21	2.2x	11.0x
Q2 21	1.4x	5.9x
Q3 21	0.9x	3.7x
Q1 22	0.5x	2.1x
Q2 22	0.3x	1.2x
Q1 23	0.5x	1.7x
Q4 23	0.5x	2.0x
Q1 24	0.5x	2.1x
Q2 24	0.4x	1.9x
Q3 24	0.4x	2.2x
Q4 24	0.4x	2.2x
Q1 25	0.8x	3.8x
Q2 25	0.9x	3.6x
Q3 25	0.6x	2.2x
Q4 25	0.3x	1.3x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q4 17	$15M	$13M
Q3 18	$46M	$45M
Q4 18	-$53M	-$53M
Q2 20	$0	$0
Q3 20	$0	$0
Q1 23	$0	$0
Q4 23	$0	$0
Q1 24	$0	$0
Q2 24	$0	$0
Q3 24	$0	$0
Q4 24	$0	$0
Q1 25	$0	$0
Q2 25	$0	$0
Q3 25	$0	$0

Capital Expenditures

Quarter	CapEx
Q4 17	$1M
Q3 18	$883.3K
Q4 18	$386.3K
Q2 20	$0
Q3 20	$0
Q1 23	$0
Q4 23	$0
Q1 24	$0
Q2 24	$0
Q3 24	$0
Q4 24	$0
Q1 25	$0
Q2 25	$0
Q3 25	$0

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q3 20	-36.9%	-44.2%
Q1 21	-32.8%	-46.3%
Q2 21	+57.0%	+30.5%
Q3 21	+135.5%	+114.9%
Q1 22	+27.4%	+30.8%
Q2 22	+136.6%	+103.7%
Q1 23	+128.0%	+125.6%
Q4 23	+177.4%	+223.4%
Q1 24	+188.6%	+252.6%
Q2 24	+81.9%	+167.5%
Q3 24	+28.8%	+46.6%
Q4 24	-12.2%	-26.1%
Q1 25	+20.4%	+0.9%
Q2 25	+27.8%	-0.2%
Q3 25	+1.8%	-10.6%
Q4 25	-23.4%	-3.0%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q4 17	$2M	1.9%
Q3 18	$0	0.0%
Q4 18	$7M	6.5%
Q2 20	$0	0.0%
Q3 20	$0	0.0%
Q1 23	$0	0.0%
Q4 23	$8M	3.4%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$9M	4.2%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$5M	2.3%

OpEx Breakdown

Quarter	R&D	G&A	S&M
Q3 20	$6M	$5M	$15M
Q1 21	$4M	$6M	$13M
Q2 21	$5M	$5M	$25M
Q3 21	$5M	$7M	$35M
Q1 22	$6M	$6M	$22M
Q2 22	$8M	$6M	$34M
Q1 23	$9M	$7M	$56M
Q4 23	$14M	$10M	$48M
Q1 24	$12M	$7M	$53M
Q2 24	$14M	$9M	$71M
Q3 24	$14M	$8M	$80M
Q4 24	$15M	$8M	$76M
Q1 25	$13M	$8M	$99M
Q2 25	$16M	$16M	$104M
Q3 25	$16M	$11M	$80M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$25M	$0	$25M
Q2 22	$31M	$0	$31M
Q3 22	$32M	$0	$32M
Q4 22	$43M	$0	$43M
Q1 23	$50M	$0	$50M
Q2 23	$42M	$0	$42M
Q3 23	$26M	$0	$26M
Q4 23	$54M	$0	$54M
Q1 24	$83M	$0	$83M
Q2 24	$129M	$0	$129M
Q3 24	$108M	$0	$108M
Q4 24	$79M	$0	$79M
Q1 25	$28M	$0	$28M
Q2 25	$46M	$0	$46M
Q3 25	$18M	$0	$18M
Q4 25	$70M	$0	$70M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q3 20	54M	0.0%	+3.3%
Q1 21	54M	0.0%	0.0%
Q2 21	54M	0.0%	0.0%
Q3 21	54M	0.0%	0.0%
Q1 22	54M	0.0%	0.0%
Q2 22	54M	-0.0%	-0.0%
Q1 23	53M	-1.1%	-1.1%
Q4 23	53M	-0.1%	-1.2%
Q1 24	53M	-0.6%	-1.8%
Q2 24	53M	+0.1%	-1.7%
Q3 24	53M	+0.2%	-0.5%
Q4 24	53M	-0.0%	-0.4%
Q1 25	53M	+0.4%	+0.6%
Q2 25	53M	-1.2%	-0.7%
Q3 25	51M	-2.6%	-3.5%
Q4 25	52M	+0.4%	-3.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q3 20	$60.5K	970
Q1 21	$56.1K	894
Q2 21	$80.4K	894
Q3 21	$94.3K	894
Q1 22	$105.8K	706
Q2 22	$168.0K	706
Q1 23	$206.0K	796
Q4 23	$293.8K	796
Q1 24	$270.8K	796
Q2 24	$271.0K	796
Q3 24	$265.2K	796
Q4 24	$199.6K	1K
Q1 25	$252.4K	1K
Q2 25	$268.1K	1K
Q3 25	$209.0K	1K
Q4 25	$152.8K	1K

Revenue / Employee