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JFIN

Jiayin Group Inc.

Price Chart
Latest Quote

$2.49

-0.06 (-2.35%)
Current Price
Previous Close $2.55
Open $2.51
Day High $2.56
Day Low $2.42
Volume 49,898
Fetched: 2026-07-18T10:17:20
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.80 / 27.40%
Shares Outstanding 25.33M
Quarterly Dividend Yield 27.40%
Quarterly Dividend $0.80
Total Debt $102.39M
Cash Equivalents $6.40M
Revenue $767.81M
Net Income $137.91M
Sector Financial Services
Industry Credit Services
Market Cap $130.30M
P/E Ratio 0.93
EPS (TTM) $2.67
Exchange NGM
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📊 Comprehensive Analysis
Company Data
Enterprise Value$780.82M
Sales$767.81M
Income$137.91M
Book/sh$12.33
Cash/sh$1.71
Employees1K
Financial Ratios
Quick Ratio0.89
Current Ratio1.89
Debt/Eq15.88
Returns & Margins
ROA9.38%
ROE23.26%
Gross Margin76.33%
Operating Margin-9.26%
Profit Margin17.96%
Ownership
Insider Ownership25.48%
Institutional Ownership3.21%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E1.31
P/S0.03
P/B0.20
Analyst Data
Recommendationnone
Technical Indicators
SMA20$2.99
SMA50$3.78
SMA200$6.15
RSI28.69
ATR0.2236
Shares Float16.76M
Short Float0.87%
Short Ratio1.02
Volatility0.87
Rel Volume0.41
Performance History
Week-15.59%
Month-38.82%
Quarter-47.02%
6 Months-63.06%
YTD-58.64%
Year-85.35%
3 Years-40.41%
5 Years-36.35%
10 Years-80.33%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-07-17 $2.49 50,000
2026-07-16 $2.55 61,600
2026-07-15 $2.61 135,500
2026-07-14 $2.76 53,000
2026-07-13 $2.93 46,300
2026-07-10 $2.95 102,300
2026-07-09 $2.92 198,700
2026-07-08 $2.97 39,100
2026-07-07 $2.98 97,400
2026-07-06 $2.96 35,200
2026-07-02 $2.86 50,900
2026-07-01 $3.02 44,800
2026-06-30 $2.86 72,600
2026-06-29 $3.05 65,700
2026-06-26 $3.01 56,500
2026-06-25 $3.01 60,700
2026-06-24 $3.01 200,800
2026-06-23 $2.85 837,000
2026-06-22 $3.98 128,800
2026-06-18 $4.01 84,600
About Jiayin Group Inc.

Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers loan products with fixed terms and repayment schedules; guarantee services; referral services for investment products offered by third-party financial service providers; technology development services; and commercial services. The company was founded in 2011 and is headquartered in Shanghai, China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.

Period:
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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $182,692,247 $300,628,430 $297,382,222 $83,561,537
Cost Of Revenue $182,692,247 $300,628,430 $297,382,222 $83,561,537
Total Revenue $919,870,712 $857,607,922 $808,206,814 $483,636,457
Operating Revenue $852,271,149 $793,808,661 $721,780,045 $432,995,144
Expenses
Total Expenses $654,158,751 $673,104,966 $611,218,274 $308,890,160
Other Income Expense $9,921,498 $4,297,921 $29,836,046 $21,494,040
Other Non Operating Income Expenses $9,921,498 $14,107,506 $2,193,016 $6,423,080
Net Non Operating Interest Income Expense $1,322,403 $2,702,611 $1,906,360 $41,542
Operating Expense $471,466,504 $372,476,536 $313,836,051 $225,328,623
Selling And Marketing Expense $358,945,447 $282,940,752 $227,508,481 $159,868,411
General And Administrative Expense $44,716,297 $32,670,971 $31,763,694 $28,686,169
Total Other Finance Cost - $-2,702,611 $-1,906,360 $-41,542
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $227,039,690 $156,186,675 $191,836,269 $174,397,253
Net Interest Income $1,322,403 $2,702,611 $1,906,360 $41,542
Interest Income $1,322,403 $2,702,611 $1,906,360 -
Normalized Income $227,039,690 $164,187,373 $168,624,416 $161,079,045
Net Income From Continuing And Discontinued Operation $227,039,690 $156,186,675 $191,836,269 $174,397,253
Total Operating Income As Reported $265,711,961 $184,502,956 $196,988,541 $174,746,297
Net Income Common Stockholders $227,039,690 $156,186,675 $191,836,269 $174,397,253
Net Income $227,039,690 $156,186,675 $191,836,269 $174,397,253
Net Income Including Noncontrolling Interests $227,038,359 $156,185,197 $191,829,912 $174,482,112
Net Income Continuous Operations $227,038,359 $156,185,197 $191,829,912 $174,482,112
Earnings From Equity Interest Net Of Tax $0 $0 $-294,196 $1,173,827
Pretax Income $276,955,862 $191,503,487 $228,730,946 $196,281,879
Special Income Charges $0 $-9,809,585 $27,643,030 $15,070,961
Interest Income Non Operating $1,322,403 $2,702,611 $1,906,360 -
Operating Income $265,711,961 $184,502,956 $196,988,541 $174,746,297
Gross Profit $737,178,465 $556,979,492 $510,824,592 $400,074,919
Per Share
Diluted EPS $4.35 $2.94 $3.58 $3.24
Basic EPS $4.35 $2.94 $3.58 $3.24
Other
Tax Effect Of Unusual Items $0 $-1,808,887 $4,431,178 $1,752,753
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $276,194,057 $196,954,834 $170,744,198 $161,147,942
Total Unusual Items $0 $-9,809,585 $27,643,030 $15,070,961
Total Unusual Items Excluding Goodwill $0 $-9,809,585 $27,643,030 $15,070,961
Reconciled Depreciation $10,482,096 $2,642,293 $1,398,687 $1,472,606
EBITDA (Bullshit earnings) $276,194,057 $187,145,249 $198,387,228 $176,218,902
EBIT $265,711,961 $184,502,956 $196,988,541 $174,746,297
Diluted Average Shares $7,720,802 $7,851,377 $7,909,147 $7,955,842
Basic Average Shares $7,720,802 $7,851,377 $7,909,147 $7,955,842
Diluted NI Availto Com Stockholders $227,039,690 $156,186,675 $191,836,269 $174,397,253
Minority Interests $1,331 $1,478 $6,357 $-84,859
Tax Provision $49,917,503 $35,318,290 $36,606,839 $22,973,594
Gain On Sale Of Business $0 $-2,133,438 $41,131,098 $17,300,049
Write Off $0 $7,676,147 $13,488,068 $2,229,088
Provision For Doubtful Accounts $4,659,826 $1,804,204 $10,757,221 $4,738,624
Research And Development $63,144,934 $55,060,609 $43,806,655 $32,035,419
Selling General And Administration $403,661,744 $315,611,723 $259,272,176 $188,554,580
Other Gand A $44,716,297 $32,670,971 $31,763,694 $28,686,169
Fetched: 2026-07-10
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $655,359,632 $462,622,739 $352,168,889 $183,773,971
Total Assets $1,294,456,736 $799,783,055 $834,506,005 $446,596,751
Total Non Current Assets $271,028,923 $159,259,175 $37,685,015 $30,977,497
Other Non Current Assets $11,316,193 $110,202,675 $334,555 $260,046
Non Current Deferred Assets $14,271,310 $10,704,147 $9,043,789 $10,463,616
Non Current Deferred Taxes Assets $14,271,310 $10,704,147 $9,043,789 $10,463,616
Current Assets $1,023,427,813 $640,523,880 $796,820,990 $415,619,254
Other Current Assets $20,284,585 $5,139,262 $11,545,784 $8,638,124
Restricted Cash $95,177,396 $39,460,982 $134,406,866 $61,562,781
Prepaid Assets $126,342,350 $0 - $2,432,216
Receivables $772,481,676 $516,014,267 $596,140,069 $302,395,084
Other Receivables $176,127,243 $73,808,870 $354,493,775 $105,527,770
Accounts Receivable $551,828,255 $441,553,287 $241,159,762 $193,777,370
Allowance For Doubtful Accounts Receivable $-3,523,402 $-3,134,147 $-2,033,056 $-375,358
Gross Accounts Receivable $555,351,657 $444,687,434 $243,192,818 $194,152,729
Cash Cash Equivalents And Short Term Investments $9,141,805 $79,909,369 $54,728,271 $43,023,266
Cash And Cash Equivalents $9,141,805 $79,909,369 $54,728,271 $43,023,266
Loans Receivable - $0 $411,283 $465,835
Investmentin Financial Assets - - $7,541 $7,541
Debt
Net Debt $90,063,267 - - -
Total Debt $103,579,128 $7,639,779 $7,089,973 $4,060,347
Long Term Debt And Capital Lease Obligation $76,919,215 $4,173,886 $7,089,973 $366,488
Long Term Debt $76,283,959 - - -
Current Debt And Capital Lease Obligation $26,659,913 $3,465,894 $2,301,824 $3,693,859
Current Debt $22,921,112 - - -
Other Current Borrowings $12,513,230 - - -
Liabilities
Total Liabilities Net Minority Interest $639,327,434 $337,405,577 $482,585,483 $263,056,510
Total Non Current Liabilities Net Minority Interest $94,629,216 $14,589,011 $145,162,017 $366,488
Other Non Current Liabilities $1,904,438 $31,584,516 $138,072,044 -
Non Current Deferred Liabilities $15,805,563 $10,415,126 $5,930,486 $0
Non Current Deferred Taxes Liabilities $15,805,563 $10,415,126 - -
Current Liabilities $544,698,218 $322,816,566 $337,423,466 $262,690,022
Other Current Liabilities $99,908,185 $33,783,889 $8,508,027 $4,463,351
Current Deferred Liabilities $67,842,902 $33,929,065 $137,041,619 $40,879,628
Payables And Accrued Expenses $350,287,218 $251,637,718 $191,873,819 $213,653,185
Payables $229,590,176 $136,164,797 $99,790,063 $133,533,740
Other Payable $31,100,054 $21,298,156 $14,023,239 $39,895,032
Total Tax Payable $155,898,245 $101,569,135 $84,092,568 $93,555,032
Current Deferred Taxes Liabilities - $10,415,126 $5,930,486 $0
Equity
Common Stock Equity $655,359,632 $462,622,739 $352,168,889 $183,773,971
Total Equity Gross Minority Interest $655,129,302 $462,377,478 $351,920,522 $183,540,240
Stockholders Equity $655,359,632 $462,622,739 $352,168,889 $183,773,971
Gains Losses Not Affecting Retained Earnings $1,604,181 $1,049,496 $-1,506,313 $-460,069
Other Equity Adjustments $1,604,181 $1,049,496 $-1,506,313 $-460,069
Retained Earnings $514,589,708 $331,364,213 $225,575,954 $56,901,920
Long Term Equity Investment - - $14,995,119 $13,371,276
Other
Treasury Shares Number $1,002,604 $387,602 $586,922 $350,758
Ordinary Shares Number $30,945,000 $31,560,002 $31,360,682 $31,596,846
Share Issued $31,947,604 $31,947,604 $31,947,604 $31,947,604
Tangible Book Value $655,359,632 $462,622,739 $352,168,889 $183,773,971
Invested Capital $754,564,703 $462,622,739 $352,168,889 $183,773,971
Working Capital $478,729,595 $317,707,315 $459,397,524 $152,929,232
Capital Lease Obligations $4,374,057 $7,639,779 $7,089,973 $4,060,347
Total Capitalization $731,643,591 $462,622,739 $352,168,889 $183,773,971
Minority Interest $-230,330 $-245,262 $-248,366 $-233,731
Treasury Stock $28,042,486 $4,270,867 $5,239,791 $1,369,267
Additional Paid In Capital $167,208,229 $134,479,897 $133,339,038 $128,701,388
Capital Stock $0 $0 $0 $0
Common Stock $0 $0 $0 $0
Long Term Capital Lease Obligation $635,256 $4,173,886 $7,089,973 $366,488
Current Deferred Revenue $67,842,902 $33,929,065 $131,111,133 $40,879,628
Current Capital Lease Obligation $3,738,801 $3,465,894 $2,301,824 $3,693,859
Line Of Credit $10,407,882 $0 - -
Current Accrued Expenses $120,697,042 $115,472,921 $92,083,757 $80,119,446
Dueto Related Parties Current $42,591,877 $13,297,506 $1,674,255 $83,676
Investments And Advances $44,658,197 $23,989,088 $15,002,660 $13,378,817
Net PPE $200,783,224 $14,363,264 $13,304,011 $6,875,018
Accumulated Depreciation $-17,386,977 $-15,094,467 $-12,533,188 $-11,212,264
Gross PPE $218,170,201 $29,457,731 $25,837,200 $18,087,282
Other Properties $18,155,878 $26,332,750 $22,657,223 $15,074,065
Machinery Furniture Equipment $3,708,199 $3,124,981 $1,983,531 $1,816,770
Buildings And Improvements $196,306,124 $0 - -
Properties $0 $0 $0 $0
Duefrom Related Parties Current $44,526,178 $652,110 $75,249 $2,624,109
Leases - $1,196,446 $1,196,446 $1,196,446
Available For Sale Securities - - $7,541 $7,541
Fetched: 2026-07-10
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $91,995,202 $101,469,197 $52,932,493 $17,167,439
Operating Activities
Operating Cash Flow $185,883,607 $210,740,055 $57,595,572 $19,749,858
Cash Flow From Continuing Operating Activities $185,883,607 $210,740,055 $57,595,572 $19,749,858
Operating Gains Losses $-25,280 $-8,069,985 $563,407 $-1,173,827
Investing Activities
Capital Expenditure $-93,888,405 $-109,270,858 $-4,663,079 $-2,582,419
Investing Cash Flow $-287,721,509 $-115,833,348 $-15,648,560 $-3,392,714
Cash Flow From Continuing Investing Activities $-287,721,509 $-115,833,348 $-15,648,560 $-3,392,714
Net Other Investing Changes $-172,139,928 $-1,944,058 $10,515,951 $-810,295
Financing Activities
Repurchase Of Capital Stock $-16,370,153 $-7,873,953 $-5,629,786 $-2,180,598
Financing Cash Flow $72,022,110 $-49,183,491 $-28,603,676 $-1,857,721
Cash Flow From Continuing Financing Activities $72,022,110 $-49,183,491 $-28,603,676 $-1,857,721
Cash Dividends Paid $-15,989,473 $-44,524,848 $-23,162,235 $0
Common Stock Dividend Paid $-15,989,473 $-44,524,848 $-23,162,235 $0
Net Common Stock Issuance $-16,370,153 $-7,873,953 $-5,629,786 $-2,180,598
Issuance Of Capital Stock - - - -
Net Other Financing Charges - - - -
Common Stock Issuance - - - -
Other
Repayment Of Debt $-106,444,803 $-850,803 $0 $0
Issuance Of Debt $210,826,539 $4,041,128 $0 $0
Income Tax Paid Supplemental Data $5,049,969 $17,545,163 $6,045,799 $280,891
End Cash Position $70,287,389 $100,212,138 $55,088,254 $43,322,340
Beginning Cash Position $100,212,138 $55,088,254 $43,322,340 $27,285,856
Effect Of Exchange Rate Changes $-108,956 $-599,332 $-1,577,422 $1,537,063
Changes In Cash $-29,815,792 $45,723,215 $13,343,336 $14,499,422
Proceeds From Stock Option Exercised $0 $24,984 $188,345 $322,876
Common Stock Payments $-16,370,153 $-7,873,953 $-5,629,786 $-2,180,598
Net Issuance Payments Of Debt $104,381,736 $3,190,325 $0 $0
Net Short Term Debt Issuance $-106,444,803 $-850,803 $0 $0
Short Term Debt Payments $-106,444,803 $-850,803 $0 $0
Net Long Term Debt Issuance $210,826,539 $4,041,128 $0 $0
Long Term Debt Issuance $210,826,539 $4,041,128 $0 $0
Net Investment Purchase And Sale $-24,691,462 $-4,222,081 $-11,462,256 $0
Sale Of Investment $10,547,292 $10,203,423 $0 $0
Purchase Of Investment $-35,238,754 $-14,425,504 $-11,462,256 $0
Net Business Purchase And Sale $2,491,203 $-396,647 $-10,163,359 $0
Sale Of Business $2,491,203 - - -
Net PPE Purchase And Sale $-93,381,323 $-109,270,562 $-4,538,896 $-2,582,419
Sale Of PPE $507,081 $296 $124,183 $0
Purchase Of PPE $-93,888,405 $-109,270,858 $-4,663,079 $-2,582,419
Change In Working Capital $-83,102,060 $38,279,172 $-130,158,027 $-150,988,870
Change In Other Working Capital $28,554,150 $-98,296,760 $123,050,313 $39,418,257
Change In Other Current Liabilities $52,893,316 $-111,042,095 $134,731,664 $-1,149,877
Change In Other Current Assets $-9,385,884 $27,498 $-74,510 $1,092,073
Change In Payables And Accrued Expense $87,702,012 $53,965,579 $100,837,932 $102,499,622
Change In Accrued Expense $23,571,004 $28,172,435 $65,794,176 $65,649,147
Change In Payable $64,131,008 $25,793,144 $35,043,757 $36,850,474
Change In Tax Payable $54,329,110 $18,456,726 $32,427,779 $33,080,332
Change In Income Tax Payable $54,329,110 $18,456,726 $32,427,779 $33,080,332
Change In Prepaid Assets $-83,759,935 $220,943,921 $-279,477,668 $-67,446,403
Change In Receivables $-159,105,720 $-27,318,971 $-209,225,759 $-225,402,541
Changes In Account Receivables $-110,673,832 $-131,051,259 $-73,544,537 $-182,183,539
Other Non Cash Items $3,796,162 $3,482,599 $-38,319,088 $-17,300,049
Stock Based Compensation $23,349,101 $8,740,427 $8,035,392 $6,290,174
Unrealized Gain Loss On Investment Securities $-314,597 $0 $0 -
Provisionand Write Offof Assets $4,659,826 $1,804,204 $10,757,221 $4,738,624
Asset Impairment Charge $0 $7,676,147 $13,488,068 $2,229,088
Depreciation Amortization Depletion $10,482,096 $2,642,293 $1,398,687 $1,472,606
Depreciation And Amortization $10,482,096 $2,642,293 $1,398,687 $1,472,606
Earnings Losses From Equity Investments $0 $0 $294,196 $-1,173,827
Gain Loss On Sale Of PPE $-25,280 $0 $-28,237 $0
Gain Loss On Sale Of Business $0 $2,133,438 $297,448 $0
Net Income From Continuing Operations $227,038,359 $156,185,197 $191,829,912 $174,482,112
Purchase Of Business - $-396,647 $-10,163,359 $0
Gain Loss On Investment Securities - $-10,203,423 - -
Fetched: 2026-07-10