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JFIN

Jiayin Group Inc.

Price Chart
Latest Quote

$6.63

Current Price
Previous Close $6.60
Open $6.55
Day High $6.80
Day Low $6.45
Volume 83,731
Fetched: 2026-02-02T22:47:18
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.80 / 12.15%
Shares Outstanding 26.37M
Total Debt $5.18M
Cash Equivalents $17.87M
Revenue $941.07M
Net Income $246.28M
Sector Communication Services
Industry Internet Content & Information
Market Cap $353.84M
P/E Ratio 0.65
EPS (TTM) $10.14
Exchange NGM
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📊 Custom Metrics & Score
Score: 36/42
Debt to Equity 0.02
Debt to Earnings 0.01
Current Ratio 2.15
Quick Ratio 2.00
Avg Revenue Growth 56.45%
Profit Margin 18.21%
Return on Equity 33.76%
Avg FCF Growth 69.40%
FCF Yield 193.97%
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
Date Close Volume
2026-02-02 $6.63 83,731
2026-01-30 $6.60 76,400
2026-01-29 $6.88 105,300
2026-01-28 $6.97 65,000
2026-01-27 $7.14 77,100
2026-01-26 $6.93 108,200
2026-01-23 $7.04 43,900
2026-01-22 $7.07 92,500
2026-01-21 $6.87 30,600
2026-01-20 $6.72 91,100
2026-01-16 $6.79 45,900
2026-01-15 $7.01 72,000
2026-01-14 $6.74 59,800
2026-01-13 $7.00 80,600
2026-01-12 $7.04 74,400
2026-01-09 $6.92 83,100
2026-01-08 $6.77 57,400
2026-01-07 $6.67 80,000
2026-01-06 $6.53 61,900
2026-01-05 $6.58 123,100
About Jiayin Group Inc.

Jiayin Group Inc., together with its subsidiaries, engages in the provision of 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 the 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.

Income Statement (Annual)
Revenue
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Reconciled Cost Of Revenue $2,033,511,000 $2,011,553,000 $565,227,000 $335,933,000
Cost Of Revenue $2,033,511,000 $2,011,553,000 $565,227,000 $335,933,000
Total Revenue $5,801,032,000 $5,466,873,000 $3,271,414,000 $1,780,490,000
Operating Revenue $5,369,481,000 $4,882,265,000 $2,928,866,000 $1,470,170,000
Expenses
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Expenses $4,553,017,000 $4,134,403,000 $2,089,395,000 $1,348,534,000
Other Income Expense $29,072,000 $201,817,000 $145,390,000 $154,995,000
Other Non Operating Income Expenses $95,426,000 $14,834,000 $43,447,000 $16,952,000
Net Non Operating Interest Income Expense $18,281,000 $12,895,000 $281,000 $-1,117,000
Total Other Finance Cost $-18,281,000 $-12,895,000 $-281,000 $1,117,000
Operating Expense $2,519,506,000 $2,122,850,000 $1,524,168,000 $1,012,601,000
Selling And Marketing Expense $1,913,868,000 $1,538,913,000 $1,081,382,000 $659,291,000
General And Administrative Expense $220,993,000 $214,856,000 $194,039,000 $165,150,000
Income & Earnings
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Net Income From Continuing Operation Net Minority Interest $1,056,478,000 $1,297,619,000 $1,179,658,000 $472,086,000
Net Interest Income $18,281,000 $12,895,000 $281,000 $-1,117,000
Normalized Income $1,110,596,322 $1,140,609,375 $1,089,570,971 $363,280,507
Net Income From Continuing And Discontinued Operation $1,056,478,000 $1,297,619,000 $1,179,658,000 $472,086,000
Total Operating Income As Reported $1,248,015,000 $1,332,470,000 $1,182,019,000 $431,956,000
Net Income Common Stockholders $1,056,478,000 $1,297,619,000 $1,179,658,000 $472,086,000
Net Income $1,056,478,000 $1,297,619,000 $1,179,658,000 $472,086,000
Net Income Including Noncontrolling Interests $1,056,468,000 $1,297,576,000 $1,180,232,000 $467,761,000
Net Income Continuous Operations $1,056,468,000 $1,297,576,000 $1,180,232,000 $467,761,000
Earnings From Equity Interest Net Of Tax $0 $-1,990,000 $7,940,000 $7,651,000
Pretax Income $1,295,368,000 $1,547,182,000 $1,327,690,000 $585,834,000
Special Income Charges $-66,354,000 $186,983,000 $101,943,000 $138,043,000
Operating Income $1,248,015,000 $1,332,470,000 $1,182,019,000 $431,956,000
Gross Profit $3,767,521,000 $3,455,320,000 $2,706,187,000 $1,444,557,000
Per Share Metrics
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Diluted EPS $19.88 $24.24 $21.92 $8.72
Basic EPS $19.88 $24.24 $21.92 $8.72
Other
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Tax Effect Of Unusual Items $-12,235,678 $29,973,375 $11,855,971 $29,237,507
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $1,332,242,000 $1,154,948,000 $1,090,037,000 $309,587,000
Total Unusual Items $-66,354,000 $186,983,000 $101,943,000 $138,043,000
Total Unusual Items Excluding Goodwill $-66,354,000 $186,983,000 $101,943,000 $138,043,000
Reconciled Depreciation $17,873,000 $9,461,000 $9,961,000 $15,674,000
EBITDA (Bullshit earnings) $1,265,888,000 $1,341,931,000 $1,191,980,000 $447,630,000
EBIT $1,248,015,000 $1,332,470,000 $1,182,019,000 $431,956,000
Diluted Average Shares $53,108,292 $53,499,058 $53,814,910 $54,025,000
Basic Average Shares $53,108,292 $53,499,058 $53,814,910 $54,025,000
Diluted NI Availto Com Stockholders $1,056,478,000 $1,297,619,000 $1,179,658,000 $472,086,000
Minority Interests $10,000 $43,000 $-574,000 $4,325,000
Tax Provision $238,900,000 $247,616,000 $155,398,000 $125,724,000
Gain On Sale Of Business $-14,431,000 $278,219,000 $117,021,000 $138,043,000
Write Off $51,923,000 $91,236,000 $15,078,000 $0
Provision For Doubtful Accounts $12,204,000 $72,764,000 $32,053,000 $44,427,000
Research And Development $372,441,000 $296,317,000 $216,694,000 $143,733,000
Selling General And Administration $2,134,861,000 $1,753,769,000 $1,275,421,000 $824,441,000
Other Gand A $220,993,000 $214,856,000 $194,039,000 $165,150,000
Fetched: 2026-02-02
Balance Sheet (Annual)
Assets
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Net Tangible Assets $3,129,273,000 $2,382,141,000 $1,243,084,000 $27,864,000
Total Assets $5,409,893,000 $5,644,766,000 $3,020,870,000 $971,432,000
Total Non Current Assets $1,069,411,000 $254,909,000 $209,538,000 $184,833,000
Other Non Current Assets $737,583,000 $2,263,000 $1,759,000 $1,242,000
Non Current Deferred Assets $72,405,000 $61,174,000 $70,778,000 $48,456,000
Non Current Deferred Taxes Assets $72,405,000 $61,174,000 $70,778,000 $48,456,000
Current Assets $4,340,482,000 $5,389,857,000 $2,811,332,000 $786,599,000
Other Current Assets $42,613,000 $78,098,000 $58,430,000 $42,841,000
Restricted Cash $266,922,000 $909,155,000 $416,423,000 $2,016,000
Receivables $3,490,424,000 $4,032,411,000 $2,045,461,000 $539,777,000
Other Receivables $811,111,000 $2,397,867,000 $713,811,000 $186,536,000
Loans Receivable $0 $2,782,000 $3,151,000 $329,000
Accounts Receivable $2,674,902,000 $1,631,253,000 $1,310,749,000 $315,895,000
Allowance For Doubtful Accounts Receivable $-19,574,000 $-13,752,000 $-2,539,000 $0
Gross Accounts Receivable $2,694,476,000 $1,645,005,000 $1,313,288,000 $315,895,000
Cash Cash Equivalents And Short Term Investments $540,523,000 $370,193,000 $291,018,000 $182,551,000
Cash And Cash Equivalents $540,523,000 $370,193,000 $291,018,000 $182,551,000
Investmentin Financial Assets - $51,006 $51,006 -
Prepaid Assets - - $16,452,000 $19,414,000
Debt
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Debt $51,677,000 $47,958,000 $27,465,000 $35,243,000
Long Term Debt And Capital Lease Obligation $51,677,000 $47,958,000 $2,479,000 $18,335,000
Current Debt And Capital Lease Obligation - $15,570,000 $24,986,000 $16,908,000
Liabilities
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Liabilities Net Minority Interest $2,282,279,000 $3,264,305,000 $1,779,367,000 $945,683,000
Total Non Current Liabilities Net Minority Interest $265,321,000 $981,905,000 $2,479,000 $18,335,000
Other Non Current Liabilities $213,644,000 $933,947,000 - -
Current Liabilities $2,016,958,000 $2,282,400,000 $1,776,888,000 $927,348,000
Other Current Liabilities $62,057,000 $57,550,000 $30,191,000 -
Current Deferred Liabilities $299,953,000 $926,977,000 $276,518,000 $0
Current Deferred Taxes Liabilities $70,450,000 $40,115,000 $0 -
Payables And Accrued Expenses $1,654,948,000 $1,297,873,000 $1,445,193,000 $910,440,000
Payables $921,046,000 $675,000,000 $903,249,000 $791,632,000
Other Payable $144,065,000 $94,856,000 $269,858,000 $378,084,000
Total Tax Payable $687,034,000 $568,819,000 $632,825,000 $409,063,000
Non Current Deferred Liabilities - $40,115,000 $0 -
Equity
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Common Stock Equity $3,129,273,000 $2,382,141,000 $1,243,084,000 $27,864,000
Total Equity Gross Minority Interest $3,127,614,000 $2,380,461,000 $1,241,503,000 $25,749,000
Stockholders Equity $3,129,273,000 $2,382,141,000 $1,243,084,000 $27,864,000
Gains Losses Not Affecting Retained Earnings $7,099,000 $-10,189,000 $-3,112,000 $-17,954,000
Other Equity Adjustments $7,099,000 $-10,189,000 $-3,112,000 $-17,954,000
Retained Earnings $2,241,414,000 $1,525,841,000 $384,896,000 $-794,762,000
Long Term Equity Investment - $101,429,994 $90,445,994 -
Other
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Treasury Shares Number $2,621,816 $3,970,056 $2,372,596 -
Ordinary Shares Number $213,478,184 $212,129,944 $213,727,404 $216,100,000
Share Issued $216,100,000 $216,100,000 $216,100,000 $216,100,000
Tangible Book Value $3,129,273,000 $2,382,141,000 $1,243,084,000 $27,864,000
Invested Capital $3,129,273,000 $2,382,141,000 $1,243,084,000 $27,864,000
Working Capital $2,323,524,000 $3,107,457,000 $1,034,444,000 $-140,749,000
Capital Lease Obligations $51,677,000 $47,958,000 $27,465,000 $35,243,000
Total Capitalization $3,129,273,000 $2,382,141,000 $1,243,084,000 $27,864,000
Minority Interest $-1,659,000 $-1,680,000 $-1,581,000 $-2,115,000
Treasury Stock $28,889,000 $35,443,000 $9,262,000 $0
Additional Paid In Capital $909,649,000 $901,932,000 $870,562,000 $840,580,000
Capital Stock $0 $0 $0 $0
Common Stock $0 $0 $0 $0
Long Term Capital Lease Obligation $51,677,000 $47,958,000 $2,479,000 $18,335,000
Current Deferred Revenue $229,503,000 $886,862,000 $276,518,000 $0
Current Accrued Expenses $733,902,000 $622,873,000 $541,944,000 $118,808,000
Dueto Related Parties Current $89,947,000 $11,325,000 $566,000 $4,485,000
Investments And Advances $162,267,000 $101,481,000 $90,497,000 $90,528,000
Net PPE $97,156,000 $89,991,000 $46,504,000 $44,607,000
Accumulated Depreciation $-102,102,000 $-84,777,000 $-75,842,000 $-68,180,000
Gross PPE $199,258,000 $174,768,000 $122,346,000 $112,787,000
Leases $8,093,000 $8,093,000 $8,093,000 $8,093,000
Other Properties $178,120,000 $153,258,000 $101,964,000 $94,068,000
Machinery Furniture Equipment $13,045,000 $13,417,000 $12,289,000 $10,626,000
Properties $0 $0 $0 $0
Duefrom Related Parties Current $4,411,000 $509,000 $17,750,000 $37,017,000
Current Capital Lease Obligation - $15,570,000 $24,986,000 $16,908,000
Available For Sale Securities - $51,006 $51,006 -
Fetched: 2026-02-02
Cash Flow Statement (Annual)
Free Cash Flow
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Free Cash Flow $686,358,000 $358,046,000 $116,124,000 $181,772,000
Operating Activities
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow $1,425,488,000 $389,588,000 $133,592,000 $184,540,000
Cash Flow From Continuing Operating Activities $1,425,488,000 $389,588,000 $133,592,000 $184,540,000
Operating Gains Losses $-54,587,000 $3,811,000 $-7,940,000 $-5,272,000
Investing Activities
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Capital Expenditure $-739,130,000 $-31,542,000 $-17,468,000 $-2,768,000
Investing Cash Flow $-783,520,000 $-105,850,000 $-22,949,000 $-126,222,000
Cash Flow From Continuing Investing Activities $-783,520,000 $-105,850,000 $-22,949,000 $-126,222,000
Net Other Investing Changes $-13,150,000 $71,132,000 $-5,481,000 $-12,422,000
Financing Activities
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Repurchase Of Capital Stock $-53,261,000 $-38,081,000 $-14,750,000 $0
Financing Cash Flow $-332,687,000 $-193,481,000 $-12,566,000 $9,938,000
Cash Flow From Continuing Financing Activities $-332,687,000 $-193,481,000 $-12,566,000 $9,938,000
Cash Dividends Paid $-301,175,000 $-156,674,000 $0 $2,586,000
Common Stock Dividend Paid $-301,175,000 $-156,674,000 $0 -
Net Common Stock Issuance $-53,261,000 $-38,081,000 $-14,750,000 $0
Issuance Of Capital Stock - - - $0
Net Other Financing Charges - - - $2,586,000
Common Stock Issuance - - - $0
Other
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Repayment Of Debt $-5,755,000 $0 $0 $-15,000,000
Issuance Of Debt $27,335,000 $0 $0 $15,000,000
Income Tax Paid Supplemental Data $118,679,000 $40,895,000 $1,900,000 $6,614,000
End Cash Position $677,855,000 $372,628,000 $293,041,000 $184,567,000
Beginning Cash Position $372,628,000 $293,041,000 $184,567,000 $119,320,000
Effect Of Exchange Rate Changes $-4,054,000 $-10,670,000 $10,397,000 $-3,009,000
Changes In Cash $309,281,000 $90,257,000 $98,077,000 $68,256,000
Proceeds From Stock Option Exercised $169,000 $1,274,000 $2,184,000 $7,352,000
Common Stock Payments $-53,261,000 $-38,081,000 $-14,750,000 $0
Net Issuance Payments Of Debt $21,580,000 $0 $0 $0
Net Short Term Debt Issuance $-5,755,000 $0 $0 $-15,000,000
Short Term Debt Payments $-5,755,000 $0 $0 $-15,000,000
Net Long Term Debt Issuance $27,335,000 $0 $0 $15,000,000
Long Term Debt Issuance $27,335,000 $0 $0 $15,000,000
Net Investment Purchase And Sale $-28,559,000 $-77,533,000 $0 $0
Sale Of Investment $69,018,000 $0 $0 -
Purchase Of Investment $-97,577,000 $-77,533,000 $0 $0
Net Business Purchase And Sale $-2,683,000 $-68,747,000 $0 $-111,043,000
Purchase Of Business $-2,683,000 $-68,747,000 $0 $-111,043,000
Net PPE Purchase And Sale $-739,128,000 $-30,702,000 $-17,468,000 $-2,757,000
Sale Of PPE $2,000 $840,000 $0 $11,000
Purchase Of PPE $-739,130,000 $-31,542,000 $-17,468,000 $-2,768,000
Change In Working Capital $258,928,000 $-880,415,000 $-1,021,319,000 $-216,937,000
Change In Other Working Capital $-664,899,000 $832,337,000 $266,633,000 $-48,188,000
Change In Other Current Liabilities $-751,111,000 $911,352,000 $-7,778,000 $32,246,000
Change In Other Current Assets $186,000 $-504,000 $7,387,000 $-32,113,000
Change In Payables And Accrued Expense $365,034,000 $682,088,000 $693,328,000 $191,009,000
Change In Accrued Expense $190,564,000 $445,045,000 $444,064,000 $54,898,000
Change In Payable $174,470,000 $237,043,000 $249,264,000 $136,111,000
Change In Tax Payable $124,845,000 $219,348,000 $223,762,000 $138,296,000
Change In Income Tax Payable $124,845,000 $219,348,000 $223,762,000 $138,296,000
Change In Prepaid Assets $1,494,509,000 $-1,890,443,000 $-456,221,000 $-15,503,000
Change In Receivables $-184,791,000 $-1,415,245,000 $-1,524,668,000 $-344,388,000
Changes In Account Receivables $-886,457,000 $-497,470,000 $-1,232,326,000 $-344,388,000
Other Non Cash Items $23,557,000 $-259,198,000 $-117,021,000 $-136,299,000
Stock Based Compensation $59,122,000 $54,353,000 $42,548,000 $15,186,000
Provisionand Write Offof Assets $12,204,000 $72,764,000 $32,053,000 $44,427,000
Asset Impairment Charge $51,923,000 $91,236,000 $15,078,000 $0
Depreciation Amortization Depletion $17,873,000 $9,461,000 $9,961,000 $15,674,000
Depreciation And Amortization $17,873,000 $9,461,000 $9,961,000 $15,674,000
Earnings Losses From Equity Investments $0 $1,990,000 $-7,940,000 $-7,651,000
Gain Loss On Investment Securities $-69,018,000 - - -
Gain Loss On Sale Of PPE $0 $-191,000 $0 $16,000
Gain Loss On Sale Of Business $14,431,000 $2,012,000 $0 $2,363,000
Net Income From Continuing Operations $1,056,468,000 $1,297,576,000 $1,180,232,000 $467,761,000
Fetched: 2026-02-02