JFIN
Jiayin Group Inc.
Price Chart
Latest Quote
$1.31
+0.00 (+0.38%)
Current Price
| Previous Close | $1.31 |
| Open | $1.31 |
| Day High | $1.32 |
| Day Low | $1.30 |
| Volume | 11,210 |
Stock Information
Note: Financial values converted from CNY to USD
| Shares Outstanding | 25.33M |
| Total Debt | $95.69M |
| Cash Equivalents | $75.72M |
| Revenue | $609.09M |
| Net Income | $34.84M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $68.81M |
| P/E Ratio | 1.99 |
| EPS (TTM) | $0.66 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $201.54M |
| Sales | $609.09M |
| Income | $34.84M |
| Book/sh | $12.03 |
| Cash/sh | $19.90 |
| Employees | 1K |
Financial Ratios
| Quick Ratio | 0.83 |
| Current Ratio | 1.79 |
| Debt/Eq | 15.13 |
Returns & Margins
| ROA | 1.85% |
| ROE | 5.73% |
| Gross Margin | 63.11% |
| Operating Margin | -33.47% |
| Profit Margin | 5.72% |
Ownership
| Insider Ownership | 27.06% |
| Institutional Ownership | 2.68% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 0.69 |
| P/S | 0.02 |
| P/B | 0.11 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $1.31 |
| SMA50 | $1.60 |
| SMA200 | $3.85 |
| RSI | 46.28 |
| ATR | 0.1109 |
| Shares Float | 16.78M |
| Short Float | 1.42% |
| Short Ratio | 3.08 |
| Volatility | 0.86 |
| Rel Volume | 0.31 |
Performance History
| Week | +4.78% |
| Month | -8.68% |
| Quarter | -39.95% |
| 6 Months | -72.08% |
| YTD | -78.16% |
| Year | -86.94% |
| 3 Years | -68.27% |
| 5 Years | -57.43% |
| 10 Years | -89.61% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $1.32 | 11,210 |
| 2026-10-26 | $1.31 | 15,300 |
| 2026-10-23 | $1.29 | 3,500 |
| 2026-10-22 | $1.28 | 16,200 |
| 2026-10-21 | $1.32 | 93,600 |
| 2026-10-20 | $1.25 | 25,600 |
| 2026-10-19 | $1.34 | 92,900 |
| 2026-10-16 | $1.28 | 63,500 |
| 2026-10-15 | $1.22 | 33,300 |
| 2026-10-14 | $1.21 | 28,200 |
| 2026-10-13 | $1.29 | 94,800 |
| 2026-10-12 | $1.26 | 41,400 |
| 2026-10-09 | $1.35 | 16,700 |
| 2026-10-08 | $1.32 | 41,200 |
| 2026-10-07 | $1.36 | 16,700 |
| 2026-10-06 | $1.34 | 6,200 |
| 2026-10-05 | $1.41 | 33,400 |
| 2026-10-02 | $1.31 | 40,800 |
| 2026-10-01 | $1.33 | 24,000 |
| 2026-09-30 | $1.40 | 20,300 |
| 2026-09-29 | $1.39 | 18,200 |
| 2026-09-28 | $1.44 | 27,300 |
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.
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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 | $184,947,991 | $304,340,360 | $301,054,071 | $84,593,292 |
| Cost Of Revenue | $184,947,991 | $304,340,360 | $301,054,071 | $84,593,292 |
| Total Revenue | $931,228,573 | $868,197,010 | $818,185,935 | $489,608,030 |
| Operating Revenue | $862,794,343 | $803,610,004 | $730,692,034 | $438,341,437 |
| Expenses | ||||
| Total Expenses | $662,235,804 | $681,415,952 | $618,765,130 | $312,704,100 |
| Other Income Expense | $10,044,001 | $4,350,988 | $30,204,439 | $21,759,432 |
| Other Non Operating Income Expenses | $10,044,001 | $14,281,695 | $2,220,094 | $6,502,387 |
| Net Non Operating Interest Income Expense | $1,338,731 | $2,735,980 | $1,929,898 | $42,055 |
| Operating Expense | $477,287,813 | $377,075,592 | $317,711,059 | $228,110,809 |
| Selling And Marketing Expense | $363,377,431 | $286,434,289 | $230,317,582 | $161,842,344 |
| General And Administrative Expense | $45,268,419 | $33,074,367 | $32,155,888 | $29,040,364 |
| Total Other Finance Cost | - | $-2,735,980 | $-1,929,898 | $-42,055 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $229,843,002 | $158,115,149 | $194,204,917 | $176,550,577 |
| Net Interest Income | $1,338,731 | $2,735,980 | $1,929,898 | $42,055 |
| Interest Income | $1,338,731 | $2,735,980 | $1,929,898 | - |
| Normalized Income | $229,843,002 | $166,214,633 | $170,706,462 | $163,067,926 |
| Net Income From Continuing And Discontinued Operation | $229,843,002 | $158,115,149 | $194,204,917 | $176,550,577 |
| Total Operating Income As Reported | $268,992,769 | $186,781,057 | $199,420,805 | $176,903,930 |
| Net Income Common Stockholders | $229,843,002 | $158,115,149 | $194,204,917 | $176,550,577 |
| Net Income | $229,843,002 | $158,115,149 | $194,204,917 | $176,550,577 |
| Net Income Including Noncontrolling Interests | $229,841,655 | $158,113,653 | $194,198,481 | $176,636,484 |
| Net Income Continuous Operations | $229,841,655 | $158,113,653 | $194,198,481 | $176,636,484 |
| Earnings From Equity Interest Net Of Tax | $0 | $0 | $-297,828 | $1,188,320 |
| Pretax Income | $280,375,501 | $193,868,026 | $231,555,142 | $198,705,418 |
| Special Income Charges | $0 | $-9,930,706 | $27,984,345 | $15,257,045 |
| Interest Income Non Operating | $1,338,731 | $2,735,980 | $1,929,898 | - |
| Operating Income | $268,992,769 | $186,781,057 | $199,420,805 | $176,903,930 |
| Gross Profit | $746,280,582 | $563,856,649 | $517,131,864 | $405,014,739 |
| Per Share | ||||
| Diluted EPS | $4.40 | $2.98 | $3.63 | $3.28 |
| Basic EPS | $4.40 | $2.98 | $3.63 | $3.28 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $-1,831,222 | $4,485,891 | $1,774,394 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $279,604,290 | $199,386,682 | $172,852,417 | $163,137,673 |
| Total Unusual Items | $0 | $-9,930,706 | $27,984,345 | $15,257,045 |
| Total Unusual Items Excluding Goodwill | $0 | $-9,930,706 | $27,984,345 | $15,257,045 |
| Reconciled Depreciation | $10,611,521 | $2,674,918 | $1,415,957 | $1,490,788 |
| EBITDA (Bullshit earnings) | $279,604,290 | $189,455,975 | $200,836,762 | $178,394,719 |
| EBIT | $268,992,769 | $186,781,057 | $199,420,805 | $176,903,930 |
| Diluted Average Shares | $7,816,133 | $7,948,320 | $8,006,803 | $8,054,075 |
| Basic Average Shares | $7,816,133 | $7,948,320 | $8,006,803 | $8,054,075 |
| Diluted NI Availto Com Stockholders | $229,843,002 | $158,115,149 | $194,204,917 | $176,550,577 |
| Minority Interests | $1,347 | $1,497 | $6,435 | $-85,906 |
| Tax Provision | $50,533,846 | $35,754,374 | $37,058,832 | $23,257,255 |
| Gain On Sale Of Business | $0 | $-2,159,780 | $41,638,954 | $17,513,657 |
| Write Off | $0 | $7,770,927 | $13,654,609 | $2,256,611 |
| Provision For Doubtful Accounts | $4,717,362 | $1,826,481 | $10,890,043 | $4,797,132 |
| Research And Development | $63,924,600 | $55,740,455 | $44,347,546 | $32,430,968 |
| Selling General And Administration | $408,645,851 | $319,508,656 | $262,473,471 | $190,882,708 |
| Other Gand A | $45,268,419 | $33,074,367 | $32,155,888 | $29,040,364 |
Fetched: 2026-10-09
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $663,451,512 | $468,334,852 | $356,517,201 | $186,043,072 |
| Total Assets | $1,310,439,699 | $809,658,165 | $844,809,848 | $452,110,987 |
| Total Non Current Assets | $274,375,382 | $161,225,585 | $38,150,321 | $31,359,983 |
| Other Non Current Assets | $11,455,917 | $111,563,374 | $338,686 | $263,256 |
| Non Current Deferred Assets | $14,447,521 | $10,836,314 | $9,155,454 | $10,592,813 |
| Non Current Deferred Taxes Assets | $14,447,521 | $10,836,314 | $9,155,454 | $10,592,813 |
| Current Assets | $1,036,064,318 | $648,432,580 | $806,659,527 | $420,751,004 |
| Other Current Assets | $20,535,043 | $5,202,718 | $11,688,343 | $8,744,780 |
| Restricted Cash | $96,352,574 | $39,948,216 | $136,066,419 | $62,322,911 |
| Prepaid Assets | $127,902,329 | $0 | - | $2,462,248 |
| Receivables | $782,019,690 | $522,385,617 | $603,500,752 | $306,128,827 |
| Other Receivables | $178,301,928 | $74,720,205 | $358,870,794 | $106,830,746 |
| Accounts Receivable | $558,641,809 | $447,005,250 | $244,137,418 | $196,169,985 |
| Allowance For Doubtful Accounts Receivable | $-3,566,907 | $-3,172,845 | $-2,058,159 | $-379,993 |
| Gross Accounts Receivable | $562,208,715 | $450,178,095 | $246,195,577 | $196,549,978 |
| Cash Cash Equivalents And Short Term Investments | $9,254,681 | $80,896,029 | $55,404,014 | $43,554,484 |
| Cash And Cash Equivalents | $9,254,681 | $80,896,029 | $55,404,014 | $43,554,484 |
| Loans Receivable | - | $0 | $416,361 | $471,587 |
| Investmentin Financial Assets | - | - | $7,634 | $7,634 |
| Debt | ||||
| Net Debt | $91,175,299 | - | - | - |
| Total Debt | $104,858,044 | $7,734,110 | $7,177,515 | $4,110,481 |
| Long Term Debt And Capital Lease Obligation | $77,868,955 | $4,225,422 | $7,177,515 | $371,013 |
| Long Term Debt | $77,225,855 | - | - | - |
| Current Debt And Capital Lease Obligation | $26,989,089 | $3,508,688 | $2,330,245 | $3,739,467 |
| Current Debt | $23,204,125 | - | - | - |
| Other Current Borrowings | $12,667,734 | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $647,221,361 | $341,571,604 | $488,544,080 | $266,304,531 |
| Total Non Current Liabilities Net Minority Interest | $95,797,626 | $14,769,145 | $146,954,367 | $371,013 |
| Other Non Current Liabilities | $1,927,952 | $31,974,497 | $139,776,852 | - |
| Non Current Deferred Liabilities | $16,000,718 | $10,543,724 | $6,003,712 | $0 |
| Non Current Deferred Taxes Liabilities | $16,000,718 | $10,543,724 | - | - |
| Current Liabilities | $551,423,736 | $326,802,458 | $341,589,713 | $265,933,518 |
| Other Current Liabilities | $101,141,775 | $34,201,026 | $8,613,077 | $4,518,461 |
| Current Deferred Liabilities | $68,680,575 | $34,347,995 | $138,733,705 | $41,384,378 |
| Payables And Accrued Expenses | $354,612,297 | $254,744,749 | $194,242,931 | $216,291,212 |
| Payables | $232,424,980 | $137,846,056 | $101,022,194 | $135,182,512 |
| Other Payable | $31,484,053 | $21,561,130 | $14,196,387 | $40,387,626 |
| Total Tax Payable | $157,823,158 | $102,823,233 | $85,130,879 | $94,710,178 |
| Current Deferred Taxes Liabilities | - | $10,543,724 | $6,003,712 | $0 |
| Equity | ||||
| Common Stock Equity | $663,451,512 | $468,334,852 | $356,517,201 | $186,043,072 |
| Total Equity Gross Minority Interest | $663,218,338 | $468,086,562 | $356,265,768 | $185,806,455 |
| Stockholders Equity | $663,451,512 | $468,334,852 | $356,517,201 | $186,043,072 |
| Gains Losses Not Affecting Retained Earnings | $1,623,988 | $1,062,454 | $-1,524,911 | $-465,750 |
| Other Equity Adjustments | $1,623,988 | $1,062,454 | $-1,524,911 | $-465,750 |
| Retained Earnings | $520,943,469 | $335,455,645 | $228,361,194 | $57,604,501 |
| Long Term Equity Investment | - | - | $15,180,267 | $13,536,374 |
| Other | ||||
| Treasury Shares Number | $1,014,984 | $392,388 | $594,169 | $355,089 |
| Ordinary Shares Number | $31,327,085 | $31,949,681 | $31,747,900 | $31,986,980 |
| Share Issued | $32,342,068 | $32,342,068 | $32,342,068 | $32,342,068 |
| Tangible Book Value | $663,451,512 | $468,334,852 | $356,517,201 | $186,043,072 |
| Invested Capital | $763,881,492 | $468,334,852 | $356,517,201 | $186,043,072 |
| Working Capital | $484,640,582 | $321,630,122 | $465,069,814 | $154,817,485 |
| Capital Lease Obligations | $4,428,065 | $7,734,110 | $7,177,515 | $4,110,481 |
| Total Capitalization | $740,677,367 | $468,334,852 | $356,517,201 | $186,043,072 |
| Minority Interest | $-233,174 | $-248,290 | $-251,433 | $-236,616 |
| Treasury Stock | $28,388,733 | $4,323,600 | $5,304,488 | $1,386,174 |
| Additional Paid In Capital | $169,272,789 | $136,140,353 | $134,985,407 | $130,290,494 |
| Capital Stock | $0 | $0 | $0 | $0 |
| Common Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $643,100 | $4,225,422 | $7,177,515 | $371,013 |
| Current Deferred Revenue | $68,680,575 | $34,347,995 | $132,729,993 | $41,384,378 |
| Current Capital Lease Obligation | $3,784,965 | $3,508,688 | $2,330,245 | $3,739,467 |
| Line Of Credit | $10,536,390 | $0 | - | - |
| Current Accrued Expenses | $122,187,317 | $116,898,693 | $93,220,737 | $81,108,699 |
| Dueto Related Parties Current | $43,117,769 | $13,461,694 | $1,694,928 | $84,709 |
| Investments And Advances | $45,209,602 | $24,285,287 | $15,187,901 | $13,544,008 |
| Net PPE | $203,262,342 | $14,540,611 | $13,468,279 | $6,959,905 |
| Accumulated Depreciation | $-17,601,658 | $-15,280,842 | $-12,687,939 | $-11,350,704 |
| Gross PPE | $220,864,000 | $29,821,452 | $26,156,218 | $18,310,609 |
| Other Properties | $18,380,053 | $26,657,886 | $22,936,977 | $15,260,188 |
| Machinery Furniture Equipment | $3,753,985 | $3,163,566 | $2,008,022 | $1,839,203 |
| Buildings And Improvements | $198,729,963 | $0 | - | - |
| Properties | $0 | $0 | $0 | $0 |
| Duefrom Related Parties Current | $45,075,953 | $660,161 | $76,178 | $2,656,510 |
| Leases | - | $1,211,219 | $1,211,219 | $1,211,219 |
| Available For Sale Securities | - | - | $7,634 | $7,634 |
Fetched: 2026-10-09
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $93,131,089 | $102,722,061 | $53,586,063 | $17,379,409 |
| Operating Activities | ||||
| Operating Cash Flow | $188,178,756 | $213,342,112 | $58,306,718 | $19,993,714 |
| Cash Flow From Continuing Operating Activities | $188,178,756 | $213,342,112 | $58,306,718 | $19,993,714 |
| Operating Gains Losses | $-25,592 | $-8,169,627 | $570,364 | $-1,188,320 |
| Investing Activities | ||||
| Capital Expenditure | $-95,047,667 | $-110,620,051 | $-4,720,655 | $-2,614,305 |
| Investing Cash Flow | $-291,274,075 | $-117,263,570 | $-15,841,777 | $-3,434,605 |
| Cash Flow From Continuing Investing Activities | $-291,274,075 | $-117,263,570 | $-15,841,777 | $-3,434,605 |
| Net Other Investing Changes | $-174,265,380 | $-1,968,062 | $10,645,794 | $-820,300 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-16,572,279 | $-7,971,175 | $-5,699,298 | $-2,207,522 |
| Financing Cash Flow | $72,911,384 | $-49,790,771 | $-28,956,852 | $-1,880,659 |
| Cash Flow From Continuing Financing Activities | $72,911,384 | $-49,790,771 | $-28,956,852 | $-1,880,659 |
| Cash Dividends Paid | $-16,186,898 | $-45,074,606 | $-23,448,224 | $0 |
| Common Stock Dividend Paid | $-16,186,898 | $-45,074,606 | $-23,448,224 | $0 |
| Net Common Stock Issuance | $-16,572,279 | $-7,971,175 | $-5,699,298 | $-2,207,522 |
| Issuance Of Capital Stock | - | - | - | - |
| Net Other Financing Charges | - | - | - | - |
| Common Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-107,759,102 | $-861,308 | $0 | $0 |
| Issuance Of Debt | $213,429,665 | $4,091,025 | $0 | $0 |
| Income Tax Paid Supplemental Data | $5,112,322 | $17,761,797 | $6,120,448 | $284,359 |
| End Cash Position | $71,155,244 | $101,449,481 | $55,768,442 | $43,857,252 |
| Beginning Cash Position | $101,449,481 | $55,768,442 | $43,857,252 | $27,622,760 |
| Effect Of Exchange Rate Changes | $-110,301 | $-606,732 | $-1,596,899 | $1,556,041 |
| Changes In Cash | $-30,183,935 | $46,287,771 | $13,508,089 | $14,678,450 |
| Proceeds From Stock Option Exercised | $0 | $25,293 | $190,670 | $326,863 |
| Common Stock Payments | $-16,572,279 | $-7,971,175 | $-5,699,298 | $-2,207,522 |
| Net Issuance Payments Of Debt | $105,670,562 | $3,229,717 | $0 | $0 |
| Net Short Term Debt Issuance | $-107,759,102 | $-861,308 | $0 | $0 |
| Short Term Debt Payments | $-107,759,102 | $-861,308 | $0 | $0 |
| Net Long Term Debt Issuance | $213,429,665 | $4,091,025 | $0 | $0 |
| Long Term Debt Issuance | $213,429,665 | $4,091,025 | $0 | $0 |
| Net Investment Purchase And Sale | $-24,996,333 | $-4,274,212 | $-11,603,783 | $0 |
| Sale Of Investment | $10,677,522 | $10,329,407 | $0 | $0 |
| Purchase Of Investment | $-35,673,855 | $-14,603,619 | $-11,603,783 | $0 |
| Net Business Purchase And Sale | $2,521,963 | $-401,545 | $-10,288,849 | $0 |
| Sale Of Business | $2,521,963 | - | - | - |
| Net PPE Purchase And Sale | $-94,534,324 | $-110,619,752 | $-4,594,938 | $-2,614,305 |
| Sale Of PPE | $513,342 | $299 | $125,717 | $0 |
| Purchase Of PPE | $-95,047,667 | $-110,620,051 | $-4,720,655 | $-2,614,305 |
| Change In Working Capital | $-84,128,140 | $38,751,814 | $-131,765,119 | $-152,853,165 |
| Change In Other Working Capital | $28,906,715 | $-99,510,453 | $124,569,645 | $39,904,964 |
| Change In Other Current Liabilities | $53,546,402 | $-112,413,158 | $136,395,228 | $-1,164,075 |
| Change In Other Current Assets | $-9,501,773 | $27,837 | $-75,430 | $1,105,557 |
| Change In Payables And Accrued Expense | $88,784,889 | $54,631,905 | $102,083,002 | $103,765,209 |
| Change In Accrued Expense | $23,862,041 | $28,520,287 | $66,606,552 | $66,459,733 |
| Change In Payable | $64,922,849 | $26,111,618 | $35,476,450 | $37,305,476 |
| Change In Tax Payable | $54,999,925 | $18,684,616 | $32,828,172 | $33,488,783 |
| Change In Income Tax Payable | $54,999,925 | $18,684,616 | $32,828,172 | $33,488,783 |
| Change In Prepaid Assets | $-84,794,139 | $223,671,968 | $-282,928,444 | $-68,279,180 |
| Change In Receivables | $-161,070,235 | $-27,656,285 | $-211,809,119 | $-228,185,640 |
| Changes In Account Receivables | $-112,040,348 | $-132,669,380 | $-74,452,609 | $-184,433,002 |
| Other Non Cash Items | $3,843,034 | $3,525,600 | $-38,792,223 | $-17,513,657 |
| Stock Based Compensation | $23,637,398 | $8,848,347 | $8,134,606 | $6,367,840 |
| Unrealized Gain Loss On Investment Securities | $-318,482 | $0 | $0 | - |
| Provisionand Write Offof Assets | $4,717,362 | $1,826,481 | $10,890,043 | $4,797,132 |
| Asset Impairment Charge | $0 | $7,770,927 | $13,654,609 | $2,256,611 |
| Depreciation Amortization Depletion | $10,611,521 | $2,674,918 | $1,415,957 | $1,490,788 |
| Depreciation And Amortization | $10,611,521 | $2,674,918 | $1,415,957 | $1,490,788 |
| Earnings Losses From Equity Investments | $0 | $0 | $297,828 | $-1,188,320 |
| Gain Loss On Sale Of PPE | $-25,592 | $0 | $-28,586 | $0 |
| Gain Loss On Sale Of Business | $0 | $2,159,780 | $301,121 | $0 |
| Net Income From Continuing Operations | $229,841,655 | $158,113,653 | $194,198,481 | $176,636,484 |
| Purchase Of Business | - | $-401,545 | $-10,288,849 | $0 |
| Gain Loss On Investment Securities | - | $-10,329,407 | - | - |
Fetched: 2026-10-09