Jiayin Group Inc.
JFIN Nasdaq· Finance Services
Last close · Oct 26, 2026
$1.31
KIRA · Stoqly’s AI analyst, in plain words
- Jiayin Group Inc. had $866M of revenue in fiscal 2025, up 7.4% on the year before. Over five years, revenue changed +35.7% a year on average.
- Its operating margin was 28.9%, up 7.4 pts: of every 100 in sales, about 29 is left after running the business.
- Jiayin Group Inc. made $214M of net profit in fiscal 2025. From fiscal 2017 to 2025, diluted EPS grew 12.5% a year.
- Free cash flow was $86.6M in fiscal 2025, 10.0% of revenue.
- Jiayin Group Inc. returned $15.4M to shareholders in fiscal 2025, 18% of free cash flow. The diluted share count fell 1.7%.
- Jiayin Group Inc. owes $97.1M more than it holds in cash, about 0.4 years of operating profit.
Market cap
$68.4M
P/E
0.3x
Revenue
$866M
Net income
$214M
Free cash flow
$86.6M
Operating margin
28.9%
Jiayin Group Inc. in 30 seconds · fiscal 2025
Are sales growing?
+7.4%
Yes. Sales grew 7.4% last year.
Does it make a profit?
24.7%
Yes. It keeps 24.7% of every sale as profit.
Does profit turn into cash?
10.0%
Yes. 10.0% of sales ends up as free cash.
Is debt under control?
0.4x
Yes. It could repay its debt with 0.4 years of operating profit.
How healthy are the accounts?
3 / 7
Weak. It passes 3 of 7 health tests.
How is the share priced?
0.3x
One share costs 0.3 times its yearly profit per share.
What Jiayin Group Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 28, 2026
- Legal name
- Jiayin Group Inc.
- CIK
- 0001743102
Jiayin Group Inc. · JFIN
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $276M | $486M | $772M | $806M | $866M |
| Revenue growth | 46.5% | 76.0% | 58.8% | 4.4% | 7.4% |
| Operating margin | 24.3% | 36.1% | 24.4% | 21.5% | 28.9% |
| Net income | $73.2M | $175M | $183M | $147M | $214M |
| Net margin | 26.5% | 36.1% | 23.7% | 18.2% | 24.7% |
| Diluted EPS | $1.35 | $3.26 | $3.42 | $2.76 | $4.09 |
| Cash | |||||
| Cash from operations | $28.6M | $19.8M | $55.0M | $198M | $175M |
| Capital expenditure | $0.4M | $2.6M | $4.5M | $103M | $88.4M |
| Free cash flow | $28.2M | $17.2M | $50.5M | $95.4M | $86.6M |
| FCF margin | 10.2% | 3.5% | 6.5% | 11.8% | 10.0% |
| Share buybacks | — | $2.2M | $5.4M | $7.4M | $15.4M |
| Share count change | 0.0% | −0.4% | −0.6% | −0.7% | −1.7% |
| Debt and strength | |||||
| Cash and short-term investments | $28.7M | $42.2M | $52.1M | $74.1M | $8.8M |
| Debt incl. finance leases | — | — | — | — | $106M |
| Loans, net | $0.1M | $0.5M | — | — | — |
| Shareholders' equity | $4.4M | $180M | $335M | $429M | $633M |
| Net debt / EBITDA | — | — | — | — | 0.4x |
| Current ratio | — | — | — | 2.0x | 1.9x |
| Returns and quality | |||||
| Return on capital | — | — | — | — | 28.1% |
| Return on equity | — | 189.8% | 71.1% | 38.4% | 40.2% |
| Return on tangible equity | 1,668.7% | 97.2% | 54.6% | 34.2% | 33.7% |
| Piotroski F-score | — | — | — | — | 3 |
| Altman Z'' | — | — | — | 7.0 | 6.1 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Jiayin Group Inc. · JFIN
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $1.31 a share, the company is worth $68.4M: 0.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001743102). Data updated October 24, 2026. Filed in CNY under US GAAP and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.