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JFINJiayin Group Inc.
$2.98$155M
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JFIN logoJiayin Group Inc.(JFIN)Earnings, Financials & Key Ratios

JFIN•NASDAQ
$2.98
4.9× P/E·Price updated Jul 7, 2026
SectorCommunication ServicesIndustryInternet ServicesSub-IndustryConsumer Apps and Utility Platforms
AboutJiayin 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 institutions funding partners. It also provides referral services for investment products offered by the financial service providers; and software development, risk control, marketing support, and IT assistance services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China.Show more
  • Revenue$866M-85.1%
  • EBITDA$260M-79.5%
  • Net Income$214M-79.8%
  • EPS (Diluted)4.16-79.1%
  • Gross Margin77.86%+19.9%
  • EBITDA Margin30.03%+37.6%
  • Operating Margin28.89%+34.3%
  • Net Margin24.68%+35.5%
  • ROE5.65%-85.3%

JFIN Price & Volume

Jiayin Group Inc. (JFIN) stock price & volume — 10-year historical chart

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Revenue Contraction Challenges Jiayin Group Profitability Model

Investment Thesis • Updated 2025Q4

VerdictNegative
Growth:Decelerating
Profitability:Moderate
Financial:Mixed
Cash Flow:Deteriorating
Primary Risk:Regulatory credit policy shifts

Key Thesis Takeaways

  • Jiayin Group faces a critical inflection point as revenue growth plummeted to -23.4% in 2025Q4, signaling significant headwinds for its core loan facilitation business.
  • While the company maintains a conservative debt-to-equity ratio of 0.16, the rapid depletion of cash reserves from $880.2M in 2024Q2 to $61.8M in 2025Q4 raises concerns regarding long-term liquidity.
  • Investors should monitor the sustainability of the 9.2% net margin, as the shift toward an asset-heavy model with $1.4B in net PPE may further strain operational efficiency.

Verdict Logic

the combination of a 62.3% year-over-year decline in net income and the rapid compression of cash reserves to $61.8M suggests significant operational risks that outweigh the current 4.91 P/E valuation.

JFIN Growth Metrics

Jiayin Group Inc. (JFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years-7.81%
3 Years-35.8%
TTM7%

Profit CAGR

10 Years-
5 Years-3.32%
3 Years-43.42%
TTM45.23%

EPS CAGR

10 Years-
5 Years-2.33%
3 Years-42.53%
TTM46.99%

Return on Capital

10 Years198.02%
5 Years198.02%
3 Years33.57%
Last Year5.91%

JFIN Recent Earnings

Jiayin Group Inc. (JFIN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 2/12 qtrs (67%)●Beat Revenue 4/12 qtrs (100%)
Q3 2026Latest
Jun 23, 2026
Metric
Actual
Est
EPS
$0.16-193.7%
$0.17
Rev
—
$53M
Q2 2026
Mar 31, 2026
Metric
Actual
Est
EPS
$0.28+64.0%
$0.17
Rev
$154M+188.0%
$53M
Q4 2025
Nov 25, 2025
Metric
Actual
Est
EPS
$1.04
—
Rev
$206M
—
Q3 2025
Aug 20, 2025
Metric
Actual
Est
EPS
$1.36
—
Rev
$263M
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026LatestJun 23, 2026
$0.16vs $0.17-193.7%
—vs $53M
Q2 2026Mar 31, 2026
$0.28vs $0.17+64.0%
$154Mvs $53M+188.0%
Q4 2025Nov 25, 2025
$1.04
$206M
Q3 2025Aug 20, 2025
$1.36
$263M
Based on last 12 quarters of dataView full earnings history →

Latest JFIN News

Recent stock market news and headlines for Jiayin Group Inc. (JFIN)

GlobeNewsWire·6 days ago
Jiayin Group Inc. Announces Change of Director

SHANGHAI, July 02, 2026 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced that Ms. Xiaojing Lu has been appointed as a director of the Company's board of directors (the “Board”), a member of the compensation committee of the Board and a member of the nominating and corporate governance committee of the Board, effective as of July 1, 2026. Ms. Yifang Xu has resigned from her position as a director of the Company, a member of the compensation committee of the Board and a member of the nominating and corporate governance committee of the Board, effective as of July 1, 2026, for personal reasons.

Seeking Alpha·Jun 23, 2026
Jiayin Group Inc. (JFIN) Q1 2026 Earnings Call Transcript

Jiayin Group Inc. (JFIN) Q1 2026 Earnings Call Transcript

GlobeNewsWire·Jun 23, 2026
Jiayin Group Inc. Reports First Quarter 2026 Unaudited Financial Results

SHANGHAI, June 23, 2026 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced its unaudited financial results for the first quarter ended March 31, 2026.

Peers Comparison

Key metrics vs top competitors for Jiayin Group Inc. (JFIN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
JFIN logoJFINJiayin Group Inc.Current
$2.98$154.86M4.87-85.08%24.68%5.65%10.39%
QFIN logoQFINQfin Holdings, Inc.
$14.51$1.89B1.158.83%33.86%24.95%—
LX logoLXLexinFintech Holdings Ltd.
$1.85$312.03M1.37-9.94%11.52%14.68%—
FINV logoFINVFinVolution Group
$4.71$1.17B3.421.03%18.75%6.05%—
YRD logoYRDYiren Digital Ltd.
$1.34$116.49M10.12-4.03%0.92%0.54%—
NTES logoNTESNetEase, Inc.
$130.82$83.52B17.016.96%29.84%21.02%—

Compare JFIN vs Peers

Jiayin Group Inc. (JFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs QFIN

Most directly comparable listed peer for JFIN.

Scale Benchmark

vs NTES

Larger-name benchmark to compare JFIN against a more recognizable public peer.

Peer Set

Compare Top 5

vs QFIN, LX, FINV, YRD

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JFIN Frequently Asked Questions

Jiayin Group Inc. (JFIN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Jiayin Group Inc.'s revenue?

Jiayin Group Inc. (JFIN) reported $6.21B in revenue for fiscal year 2025. This represents a 950% increase from $591.1M in 2016.

How fast is Jiayin Group Inc. growing?

Jiayin Group Inc. (JFIN) saw revenue decline by 85.1% over the past year.

Is JFIN profitable?

Yes, Jiayin Group Inc. (JFIN) is profitable, generating $1.53B in net income for fiscal year 2025 (24.7% net margin).

Dividend & Returns
Does JFIN pay dividends?

Yes, Jiayin Group Inc. (JFIN) pays a dividend with a yield of 10.39%. This makes it attractive for income-focused investors.

What is JFIN's return on equity?

Jiayin Group Inc. (JFIN) has a return on equity (ROE) of 5.7%. This is below average, suggesting room for improvement.

What is Jiayin Group Inc.'s free cash flow?

Jiayin Group Inc. (JFIN) generated $622.3M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in JFIN back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

See returns →