Jiayin Group Inc.
JFIN Nasdaq Finance Services Financials FY2017โFY2025
Revenue
Total sales reported in the income statement.
$866M
7.4%
vs prior year
Operating margin
Operating income as a share of revenue.
28.9%
7.4ย pts
Net income
Profit after all expenses, interest and tax.
$214M
45.5%
Free cash flow
Cash from operations minus capital spending.
$86.6M
9.2%
Return on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
28.1%
Market cap
Last close times the latest diluted share count, so it is approximate.
โ
P/E
Last close divided by diluted earnings per share over the last four quarters.
โ
On $4.09 EPS (TTM)
What Jiayin Group Inc. does
No business description yet.
- Legal name
- Jiayin Group Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F ยท Apr 28, 2026
- Accession ยท CIK
- 0001193125-26-183485
0001743102
Revenue and margins
Jiayin Group Inc. had $866M of revenue in fiscal 2025, up 7.4% on the year before.
FY17
Revenue $333M
FY18
Revenue $436M
FY19
Revenue $323M
FY20
Revenue $188M
FY21
Revenue $276M
FY22
Revenue $486M
FY23
Revenue $772M
FY24
Revenue $806M
FY25
Revenue $866M
FY17
Gross โ
Operating 30.5%
Net 24.0%
FCF 3.7%
FY18
Gross โ
Operating 23.8%
Net 21.2%
FCF โ8.5%
FY19
Gross โ
Operating 24.0%
Net 23.7%
FCF โ0.1%
FY20
Gross โ
Operating 23.2%
Net 19.5%
FCF โ2.8%
FY21
Gross โ
Operating 24.3%
Net 26.5%
FCF 10.2%
FY22
Gross โ
Operating 36.1%
Net 36.1%
FCF 3.5%
FY23
Gross โ
Operating 24.4%
Net 23.7%
FCF 6.5%
FY24
Gross โ
Operating 21.5%
Net 18.2%
FCF 11.8%
FY25
Gross โ
Operating 28.9%
Net 24.7%
FCF 10.0%
Gross
Operating
Net
FCF
Net income and earnings per share
From fiscal 2017 to 2025, diluted EPS grew 12.5% a year. Loss periods are shown in red.
FY17
Net income $79.8M
FY18
Net income $92.4M
FY19
Net income $76.4M
FY20
Net income $36.6M
FY21
Net income $73.2M
FY22
Net income $175M
FY23
Net income $183M
FY24
Net income $147M
FY25
Net income $214M
FY17
Diluted EPS $1.60
FY18
Diluted EPS $1.85
FY19
Diluted EPS $1.45
FY20
Diluted EPS $0.68
FY21
Diluted EPS $1.35
FY22
Diluted EPS $3.26
FY23
Diluted EPS $3.42
FY24
Diluted EPS $2.76
FY25
Diluted EPS $4.09
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
FY17
Return on capital โ
Return on equity โ
Return on assets โ
FY18
Return on capital โ
Return on equity โ
Return on assets 79.3%
FY19
Return on capital โ
Return on equity โ
Return on assets 70.3%
FY20
Return on capital โ
Return on equity โ
Return on assets 40.5%
FY21
Return on capital โ
Return on equity โ
Return on assets 62.8%
FY22
Return on capital โ
Return on equity 189.8%
Return on assets 59.3%
FY23
Return on capital โ
Return on equity 71.1%
Return on assets 29.7%
FY24
Return on capital โ
Return on equity 38.4%
Return on assets 19.1%
FY25
Return on capital 28.1%
Return on equity 40.2%
Return on assets 21.5%
Return on capital
Return on equity
Return on assets
Cash flow
Free cash flow was $86.6M in fiscal 2025, 10.0% of revenue. Cash from operations minus capital spending.
FY17
Free cash flow $12.3M
FY18
Free cash flow โ$37.1M
FY19
Free cash flow โ$0.2M
FY20
Free cash flow โ$5.3M
FY21
Free cash flow $28.2M
FY22
Free cash flow $17.2M
FY23
Free cash flow $50.5M
FY24
Free cash flow $95.4M
FY25
Free cash flow $86.6M
FY17
Cash from operations $15.5M
Capital spending $3.2M
FY18
Cash from operations โ$34.5M
Capital spending $2.6M
FY19
Cash from operations $3.8M
Capital spending $4.0M
FY20
Cash from operations โ$5.1M
Capital spending $0.1M
FY21
Cash from operations $28.6M
Capital spending $0.4M
FY22
Cash from operations $19.8M
Capital spending $2.6M
FY23
Cash from operations $55.0M
Capital spending $4.5M
FY24
Cash from operations $198M
Capital spending $103M
FY25
Cash from operations $175M
Capital spending $88.4M
Cash from operations
Capital spending
Dividends, buybacks and share count
Jiayin Group Inc. returned $15.4M to shareholders in fiscal 2025, 18% of free cash flow. The diluted share count fell 1.7%.
FY17
Dividends โ
Buybacks โ
FY18
Dividends $60.4M
Buybacks โ
FY19
Dividends โ
Buybacks โ
FY20
Dividends โ
Buybacks โ
FY21
Dividends โ
Buybacks โ
FY22
Dividends โ
Buybacks $2.2M
FY23
Dividends โ
Buybacks $5.4M
FY24
Dividends โ
Buybacks $7.4M
FY25
Dividends โ
Buybacks $15.4M
Dividends
Buybacks
FY17
Diluted shares 0.05B
FY18
Diluted shares 0.05B
FY19
Diluted shares 0.05B
FY20
Diluted shares 0.05B
FY21
Diluted shares 0.05B
FY22
Diluted shares 0.05B
FY23
Diluted shares 0.05B
FY24
Diluted shares 0.05B
FY25
Diluted shares 0.05B
Balance sheet
Cash, debt and the ratios that show how comfortably Jiayin Group Inc. can carry it.
FY17
Cash $93.1M
Debt โ
FY18
Cash $6.0M
Debt โ
FY19
Cash $27.5M
Debt โ
FY20
Cash $17.9M
Debt โ
FY21
Cash $28.7M
Debt โ
FY22
Cash $42.2M
Debt โ
FY23
Cash $52.1M
Debt โ
FY24
Cash $74.1M
Debt โ
FY25
Cash $8.8M
Debt $106M
Cash
Debt
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Cash and short-term investments | $28.7M | $42.2M | $52.1M | $74.1M | $8.8M |
| Debt incl. finance leases | โ | โ | โ | โ | $106M |
| Net debt / EBITDA | โ | โ | โ | โ | 0.4x |
| Debt / equity | โ | โ | โ | โ | 0.2x |
| Current ratio | โ | โ | โ | 2.0x | 1.9x |
| Quick ratio | โ | โ | โ | 2.0x | 1.9x |
| Total assets | $153M | $438M | $794M | $741M | $1.3B |
| Total liabilities | $149M | $258M | $459M | $313M | $618M |
| Shareholders' equity | $4.4M | $180M | $335M | $429M | $633M |
| Net debt (โ = net cash) | โ | โ | โ | โ | $97.1M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. โPlanโ marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
โ
$0.0M
No open-market insider trades in the last 12 months.
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8โ9 is strong, 0โ2 weak.
| Test | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|
| Net income is positive | โ | โ | โ | โ | โ | โ | โ | โ | โ |
| Cash from operations is positive | โ | โ | โ | โ | โ | โ | โ | โ | โ |
| Return on assets rose | โ | โ | โ | โ | โ | โ | โ | โ | โ |
| Cash from operations exceeds net income | โ | โ | โ | โ | โ | โ | โ | โ | โ |
| Debt fell relative to assets | โ | โ | โ | โ | โ | โ | โ | โ | โ |
| Current ratio rose | โ | โ | โ | โ | โ | โ | โ | โ | โ |
| Share count didn't rise | โ | โ | โ | โ | โ | โ | โ | โ | โ |
| Gross margin rose | โ | โ | โ | โ | โ | โ | โ | โ | โ |
| Revenue rose relative to assets | โ | โ | โ | โ | โ | โ | โ | โ | โ |
| F-score | โ / 3 | โ / 4 | โ / 6 | โ / 6 | โ / 6 | โ / 6 | โ / 6 | โ / 6 | 3 / 7 |
| Accruals ratio | โ | 108.9% | 66.8% | 46.2% | 38.2% | 52.6% | 20.8% | โ6.7% | 3.9% |
| Altman Z'' | โ | โ | โ | โ | โ | โ | โ | 6.97 | 6.14 |
9 years of figures
Amounts in USD. Hover a ratioโs name for its definition.
| Fiscal year | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Revenue | $333M | $436M | $323M | $188M | $276M | $486M | $772M | $806M | $866M |
| Research and development | $26.8M | $27.9M | $29.1M | $22.0M | $22.3M | $32.2M | $41.8M | $51.8M | $59.4M |
| Operating income | $102M | $104M | $77.4M | $43.8M | $67.0M | $176M | $188M | $173M | $250M |
| Pretax income | $104M | $107M | $81.6M | $53.1M | $90.8M | $197M | $218M | $180M | $261M |
| Income tax | $23.9M | $14.2M | $5.4M | $15.8M | $19.5M | $23.1M | $35.0M | $33.2M | $47.0M |
| Net income | $79.8M | $92.4M | $76.4M | $36.6M | $73.2M | $175M | $183M | $147M | $214M |
| Diluted EPS | $1.60 | $1.85 | $1.45 | $0.68 | $1.35 | $3.26 | $3.42 | $2.76 | $4.09 |
| Diluted shares | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B |
| Cash flow | |||||||||
| Cash from operations | $15.5M | โ$34.5M | $3.8M | โ$5.1M | $28.6M | $19.8M | $55.0M | $198M | $175M |
| Capital expenditure | $3.2M | $2.6M | $4.0M | $0.1M | $0.4M | $2.6M | $4.5M | $103M | $88.4M |
| Free cash flow | $12.3M | โ$37.1M | โ$0.2M | โ$5.3M | $28.2M | $17.2M | $50.5M | $95.4M | $86.6M |
| Depreciation and amortization | $0.6M | $1.7M | $2.6M | $3.4M | $2.4M | $1.5M | $1.3M | $2.5M | $9.9M |
| Stock-based compensation | $13.2M | $10.2M | $21.4M | $4.4M | $2.4M | $6.3M | $7.7M | $8.2M | $22.0M |
| Share buybacks | โ | โ | โ | โ | โ | $2.2M | $5.4M | $7.4M | $15.4M |
| Dividends paid | โ | $60.4M | โ | โ | โ | โ | โ | โ | โ |
| Dividends and buybacks | โ | $60.4M | โ | โ | โ | $2.2M | $5.4M | $7.4M | $15.4M |
| Balance sheet | |||||||||
| Cash and short-term investments | $93.1M | $6.0M | $27.5M | $17.9M | $28.7M | $42.2M | $52.1M | $74.1M | $8.8M |
| Total debt | โ | โ | โ | โ | โ | โ | โ | โ | $106M |
| Finance lease liabilities | โ | โ | $5.1M | โ | โ | โ | โ | โ | โ |
| Loans, net | โ | โ | โ | $4.8M | $0.1M | $0.5M | โ | โ | โ |
| Current assets | โ | โ | โ | โ | โ | โ | โ | $594M | $989M |
| Current liabilities | โ | โ | โ | โ | โ | โ | โ | $299M | $526M |
| Property and equipment, net | โ | $4.2M | $5.6M | $3.0M | $1.4M | $2.7M | $5.7M | $6.1M | $190M |
| Total assets | โ | $117M | $101M | $80.4M | $153M | $438M | $794M | $741M | $1.3B |
| Total liabilities | โ | $357M | $207M | $151M | $149M | $258M | $459M | $313M | $618M |
| Shareholders' equity | โ$297M | โ$240M | โ$107M | โ$70.6M | $4.4M | $180M | $335M | $429M | $633M |
| Margins | |||||||||
| Operating margin | 30.5% | 23.8% | 24.0% | 23.2% | 24.3% | 36.1% | 24.4% | 21.5% | 28.9% |
| EBITDA margin | 30.7% | 24.2% | 24.8% | 25.0% | 25.1% | 36.4% | 24.5% | 21.8% | 30.0% |
| Net margin | 24.0% | 21.2% | 23.7% | 19.5% | 26.5% | 36.1% | 23.7% | 18.2% | 24.7% |
| FCF margin | 3.7% | โ8.5% | โ0.1% | โ2.8% | 10.2% | 3.5% | 6.5% | 11.8% | 10.0% |
| Returns | |||||||||
| Return on capital | โ | โ | โ | โ | โ | โ | โ | โ | 28.1% |
| Return on capital employed | โ | โ | โ | โ | โ | โ | โ | 39.2% | 34.5% |
| Return on equity | โ | โ | โ | โ | โ | 189.8% | 71.1% | 38.4% | 40.2% |
| Return on assets | โ | 79.3% | 70.3% | 40.5% | 62.8% | 59.3% | 29.7% | 19.1% | 21.5% |
| Return on tangible equity | โ | โ | โ | โ | 1,668.7% | 97.2% | 54.6% | 34.2% | 33.7% |
| Growth | |||||||||
| Revenue growth | โ | 30.8% | โ25.9% | โ41.6% | 46.5% | 76.0% | 58.8% | 4.4% | 7.4% |
| Net income growth | โ | 15.8% | โ17.4% | โ52.0% | 99.8% | 139.4% | 4.6% | โ19.9% | 45.5% |
| EPS growth | โ | 15.7% | โ21.5% | โ53.3% | 99.4% | 140.8% | 5.1% | โ19.3% | 48.1% |
| FCF growth | โ | โ401.8% | โ | โ | โ | โ38.8% | 193.1% | 88.7% | โ9.2% |
| Share count change | โ | 0.0% | 5.2% | 2.7% | 0.0% | โ0.4% | โ0.6% | โ0.7% | โ1.7% |
| Financial health | |||||||||
| Net debt / EBITDA | โ | โ | โ | โ | โ | โ | โ | โ | 0.4x |
| Debt / equity | โ | โ | โ | โ | โ | โ | โ | โ | 0.2x |
| Current ratio | โ | โ | โ | โ | โ | โ | โ | 2.0x | 1.9x |
| Quick ratio | โ | โ | โ | โ | โ | โ | โ | 2.0x | 1.9x |
| Capital allocation | |||||||||
| Capex / revenue | 1.0% | 0.6% | 1.2% | 0.1% | 0.2% | 0.5% | 0.6% | 12.7% | 10.2% |
| Stock comp / revenue | 4.0% | 2.4% | 6.6% | 2.4% | 0.9% | 1.3% | 1.0% | 1.0% | 2.5% |
| Payouts / FCF | โ | โ | โ | โ | โ | 12.7% | 10.6% | 7.8% | 17.8% |
| Quality scores | |||||||||
| Piotroski F-score | โ | โ | โ | โ | โ | โ | โ | โ | 3.0 |
| Altman Z'' | โ | โ | โ | โ | โ | โ | โ | 7.0 | 6.1 |
| Accruals ratio | โ | 108.9% | 66.8% | 46.2% | 38.2% | 52.6% | 20.8% | โ6.7% | 3.9% |
Source: SEC EDGAR XBRL filings (CIK 0001743102). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. Filed in CNY under US GAAP and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. Per-share figures are per US-listed share (1 ADS = 4 ordinary shares). For information only โ not investment advice. Check the original filings before relying on any figure.