InsiderClue
Stocks · Financials · Finance Services

Jiayin Group Inc.

JFIN Clue Score76
Cayman Islands Fiscal year ends December CIK 0001743102
$1.35 +1.89% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $1.35 −66.29% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 10 May 2019. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2017Revenue2,250.9Operating income686.7Net income539.5EPS, diluted2.70Fiscal year 2018Revenue2,881.9 +28.0%Operating income685.2Net income611.8 +13.4%EPS, diluted3.06 +13.3%Fiscal year 2019Revenue2,230.2 −22.6%Operating income534.7Net income527.7 −13.7%EPS, diluted2.51 −18.0%Fiscal year 2020Revenue1,300.2 −41.7%Operating income302.1Net income252.9 −52.1%EPS, diluted1.17 −53.4%Fiscal year 2021Revenue1,780.5 +36.9%Operating income432.0Net income472.1 +86.7%EPS, diluted2.18 +86.3%Fiscal year 2022Revenue3,271.4 +83.7%Operating income1,182.0Net income1,179.7 +149.9%EPS, diluted5.48 +151.4%Fiscal year 2023Revenue5,466.9 +67.1%Operating income1,332.5Net income1,297.6 +10.0%EPS, diluted6.06 +10.6%Fiscal year 2024Revenue5,801.0 +6.1%Operating income1,248.0Net income1,056.5 −18.6%EPS, diluted4.97 −18.0%Fiscal year 2025Revenue6,222.2 +7.3%Operating income1,797.3Net income1,535.7 +45.4%EPS, diluted7.35 +47.9%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 2,250.9 2,881.9 2,230.2 1,300.2 1,780.5 3,271.4 5,466.9 5,801.0 6,222.2
Growth +28.0% −22.6% −41.7% +36.9% +83.7% +67.1% +6.1% +7.3%
Operating income 686.7 685.2 534.7 302.1 432.0 1,182.0 1,332.5 1,248.0 1,797.3
Net income 539.5 611.8 527.7 252.9 472.1 1,179.7 1,297.6 1,056.5 1,535.7
Growth +13.4% −13.7% −52.1% +86.7% +149.9% +10.0% −18.6% +45.4%
EPS, diluted 2.70 3.06 2.51 1.17 2.18 5.48 6.06 4.97 7.35
Growth +13.3% −18.0% −53.4% +86.3% +151.4% +10.6% −18.0% +47.9%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2017Operating margin30.5%Net margin24.0%Free cash flow margin3.7%Fiscal year 2018Operating margin23.8%Net margin21.2%Free cash flow margin−8.5%Fiscal year 2019Operating margin24.0%Net margin23.7%Free cash flow margin−0.1%Fiscal year 2020Operating margin23.2%Net margin19.5%Free cash flow margin−2.8%Fiscal year 2021Operating margin24.3%Net margin26.5%Free cash flow margin10.2%Fiscal year 2022Operating margin36.1%Net margin36.1%Free cash flow margin3.5%Fiscal year 2023Operating margin24.4%Net margin23.7%Free cash flow margin6.5%Fiscal year 2024Operating margin21.5%Net margin18.2%Free cash flow margin11.8%Fiscal year 2025Operating margin28.9%Net margin24.7%Free cash flow margin10.0%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin 30.5% 23.8% 24.0% 23.2% 24.3% 36.1% 24.4% 21.5% 28.9%
Net margin 24.0% 21.2% 23.7% 19.5% 26.5% 36.1% 23.7% 18.2% 24.7%
Free cash flow margin 3.7% −8.5% −0.1% −2.8% 10.2% 3.5% 6.5% 11.8% 10.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow104.8Capital expenditure−21.7Free cash flow83.0Fiscal year 2018Operating cash flow−228.4Capital expenditure−16.9Free cash flow−245.3 −395.5%Dividends paid−400.0Fiscal year 2019Operating cash flow26.3Capital expenditure−27.6Free cash flow−1.3Fiscal year 2020Operating cash flow−35.5Capital expenditure−0.8Free cash flow−36.4Fiscal year 2021Operating cash flow184.5Capital expenditure−2.8Free cash flow181.8Fiscal year 2022Operating cash flow133.6Capital expenditure−17.5Free cash flow116.1 −36.1%Buybacks−14.8Fiscal year 2023Operating cash flow389.6Capital expenditure−31.5Free cash flow358.0 +208.3%Buybacks−38.1Fiscal year 2024Operating cash flow1,425.5Capital expenditure−739.1Free cash flow686.4 +91.7%Buybacks−53.3Fiscal year 2025Operating cash flow1,257.4Capital expenditure−635.1Free cash flow622.3 −9.3%Buybacks−110.7
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 104.8 −228.4 26.3 −35.5 184.5 133.6 389.6 1,425.5 1,257.4
Capital expenditure −21.7 −16.9 −27.6 −0.8 −2.8 −17.5 −31.5 −739.1 −635.1
Free cash flow 83.0 −245.3 −1.3 −36.4 181.8 116.1 358.0 686.4 622.3
Growth −395.5% −36.1% +208.3% +91.7% −9.3%
Buybacks n/a n/a n/a n/a n/a −14.8 −38.1 −53.3 −110.7
Dividends paid n/a −400.0 n/a n/a n/a n/a n/a n/a n/a

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2017Cash606.1Shareholders’ equity−1,931.5Fiscal year 2018Cash41.4Shareholders’ equity−1,652.0Fiscal year 2019Cash122.1Shareholders’ equity−741.9Fiscal year 2020Cash117.3Shareholders’ equity−461.6Fiscal year 2021Cash182.6Shareholders’ equity27.9Fiscal year 2022Cash291.0Shareholders’ equity1,243.1Fiscal year 2023Cash370.2Shareholders’ equity2,382.1Fiscal year 2024Cash540.5Shareholders’ equity3,129.3Fiscal year 2025Cash61.8Total debt600.6Net cash (debt)−538.8Shareholders’ equity4,433.0Debt to equity0.14
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 606.1 41.4 122.1 117.3 182.6 291.0 370.2 540.5 61.8
Total debt n/a n/a n/a n/a n/a n/a n/a n/a 600.6
Net cash (debt) n/a n/a n/a n/a n/a n/a n/a n/a −538.8
Shareholders’ equity −1,931.5 −1,652.0 −741.9 −461.6 27.9 1,243.1 2,382.1 3,129.3 4,433.0
Debt to equity n/a n/a n/a n/a n/a n/a n/a n/a 0.14

In millions of CNY, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of CNY, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
2,250.9 2,881.9 2,230.2 1,300.2 1,780.5 3,271.4 5,466.9 5,801.0 6,222.2
Growth +28.0% −22.6% −41.7% +36.9% +83.7% +67.1% +6.1% +7.3%
181.0 184.3 201.4 151.6 143.7 216.7 296.3 372.4 427.1
95.6 150.5 230.2 155.0 165.2 194.0 214.9 221.0 302.5
686.7 685.2 534.7 302.1 432.0 1,182.0 1,332.5 1,248.0 1,797.3
Growth −0.2% −22.0% −43.5% +43.0% +173.6% +12.7% −6.3% +44.0%
701.2 705.7 563.8 366.4 585.8 1,327.7 1,547.2 1,295.4 1,873.4
161.6 93.9 37.0 108.8 125.7 155.4 247.6 238.9 337.7
539.5 611.8 527.7 252.9 472.1 1,179.7 1,297.6 1,056.5 1,535.7
Growth +13.4% −13.7% −52.1% +86.7% +149.9% +10.0% −18.6% +45.4%
Per share
2.70 3.06 2.51 1.17 2.18 5.48 6.06 4.97 7.35
2.70 3.06 2.51 1.17 2.18 5.48 6.06 4.97 7.35
Growth +13.3% −18.0% −53.4% +86.3% +151.4% +10.6% −18.0% +47.9%
200.0 200.0 210.4 216.1 216.1 215.3 214.0 212.4 208.9
200.0 200.0 210.4 216.1 216.1 215.3 214.0 212.4 208.9
Growth +0.0% +5.2% +2.7% +0.0% −0.4% −0.6% −0.7% −1.7%

Shown in CNY as filed; the screener converts to dollars.

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 36.8% a year over five years, and earnings per share grew 44.4% a year.
  • The diluted share count fell 3.3% in five years, so buybacks did some of the work per share.
  • Operating margin is up 5.6 points on five years ago, at 28.9%.
  • Profitable in every one of the 9 years on file.