Symbols / JFIN Stock $4.87 -2.01% Jiayin Group Inc.

Financial Services • Credit Services • China • NGM
JFIN (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Dinggui Yan
Exch · Country NGM · China
Market Cap 254.84M
Enterprise Value 1.68B
Income 1.54B
Sales 6.22B
FCF (ttm) -1.01B
Book/sh 12.46
Cash/sh 0.29
Employees 1,155
Insider 10d —
IPO May 10, 2019
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 19.53%
P/E 1.13
Forward P/E 2.56
PEG —
P/S 0.04
P/B 0.39
P/C —
EV/EBITDA 0.90
EV/Sales 0.27
Quick Ratio 1.19
Current Ratio 1.88
Debt/Eq 15.81
LT Debt/Eq —
EPS (ttm) 4.32
EPS next Y 1.90
EPS Growth -62.40%
Revenue Growth -22.40%
EPS Gr Q/Q -63.50%
Rev Gr Q/Q —
Earnings (next) 2026-06-04
Earnings (prior) 2022-06-08
ROA 15.86%
ROE 40.63%
ROIC —
Gross Margin 80.14%
Oper. Margin 8.68%
Profit Margin 24.68%
Shs Outstand 25.33M
Shs Float 41.37M
Insider Own 21.54%
Instit Own 4.21%
Short Float 0.91%
Short Ratio 1.59
Short Interest 117.85K
52W High 19.23
vs 52W High -74.67%
52W Low 3.70
vs 52W Low 31.62%
Beta 0.85
Impl. Vol. 1.06%
Rel Volume 0.53
Avg Volume 61.26K
Volume 32.38K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $4.97
Price $4.87
Change -2.01%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$4.87
Latest analyst target
3. DCF / Fair value
$-716.08
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$4.87
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2021-04-14 main Roth Capital — → Buy $9
2019-08-27 init Roth Capital — → Buy $17
News
RSS: Latest JFIN news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
6,222.19
+7.26%
5,801.03
+6.11%
5,466.87
+67.11%
3,271.41
Operating Revenue
5,764.93
+7.36%
5,369.48
+9.98%
4,882.27
+66.69%
2,928.87
Cost Of Revenue
1,235.77
-39.23%
2,033.51
+1.09%
2,011.55
+255.88%
565.23
Reconciled Cost Of Revenue
1,235.77
-39.23%
2,033.51
+1.09%
2,011.55
+255.88%
565.23
Gross Profit
4,986.42
+32.35%
3,767.52
+9.04%
3,455.32
+27.68%
2,706.19
Operating Expense
3,189.09
+26.58%
2,519.51
+18.69%
2,122.85
+39.28%
1,524.17
Research And Development
427.12
+14.68%
372.44
+25.69%
296.32
+36.74%
216.69
Selling General And Administration
2,730.45
+27.90%
2,134.86
+21.73%
1,753.77
+37.51%
1,275.42
Selling And Marketing Expense
2,427.98
+26.86%
1,913.87
+24.36%
1,538.91
+42.31%
1,081.38
General And Administrative Expense
302.47
+36.87%
220.99
+2.86%
214.86
+10.73%
194.04
Other Gand A
302.47
+36.87%
220.99
+2.86%
214.86
+10.73%
194.04
Total Expenses
4,424.86
-2.81%
4,553.02
+10.13%
4,134.40
+97.88%
2,089.39
Operating Income
1,797.33
+44.02%
1,248.02
-6.34%
1,332.47
+12.73%
1,182.02
Total Operating Income As Reported
1,797.33
+44.02%
1,248.02
-6.34%
1,332.47
+12.73%
1,182.02
EBITDA
1,868.23
+47.58%
1,265.89
-5.67%
1,341.93
+12.58%
1,191.98
Normalized EBITDA
1,868.23
+40.23%
1,332.24
+15.35%
1,154.95
+5.95%
1,090.04
Reconciled Depreciation
70.90
+296.70%
17.87
+88.91%
9.46
-5.02%
9.96
EBIT
1,797.33
+44.02%
1,248.02
-6.34%
1,332.47
+12.73%
1,182.02
Total Unusual Items
0.00
+100.00%
-66.35
-135.49%
186.98
+83.42%
101.94
Total Unusual Items Excluding Goodwill
0.00
+100.00%
-66.35
-135.49%
186.98
+83.42%
101.94
Special Income Charges
0.00
+100.00%
-66.35
-135.49%
186.98
+83.42%
101.94
Write Off
0.00
-100.00%
51.92
-43.09%
91.24
+505.09%
15.08
Net Income
1,535.74
+45.36%
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
Pretax Income
1,873.38
+44.62%
1,295.37
-16.28%
1,547.18
+16.53%
1,327.69
Net Non Operating Interest Income Expense
8.95
-51.07%
18.28
+41.77%
12.89
+4488.97%
0.28
Net Interest Income
8.95
-51.07%
18.28
+41.77%
12.89
+4488.97%
0.28
Interest Income Non Operating
8.95
-51.07%
18.28
+41.77%
12.89
—
Interest Income
8.95
-51.07%
18.28
+41.77%
12.89
—
Other Income Expense
67.11
+130.84%
29.07
-85.59%
201.82
+38.81%
145.39
Other Non Operating Income Expenses
67.11
-29.67%
95.43
+543.29%
14.83
-65.86%
43.45
Gain On Sale Of Business
0.00
+100.00%
-14.43
-105.19%
278.22
+137.75%
117.02
Tax Provision
337.65
+41.34%
238.90
-3.52%
247.62
+59.34%
155.40
Tax Rate For Calcs
0.00
-2.27%
0.00
+15.05%
0.00
+37.83%
0.00
Tax Effect Of Unusual Items
0.00
+100.00%
-12.24
-140.83%
29.97
+152.81%
11.86
Net Income Including Noncontrolling Interests
1,535.73
+45.36%
1,056.47
-18.58%
1,297.58
+9.94%
1,180.23
Net Income From Continuing Operation Net Minority Interest
1,535.74
+45.36%
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
Net Income From Continuing And Discontinued Operation
1,535.74
+45.36%
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
Net Income Continuous Operations
1,535.73
+45.36%
1,056.47
-18.58%
1,297.58
+9.94%
1,180.23
Minority Interests
0.01
-10.00%
0.01
-76.74%
0.04
+107.49%
-0.57
Normalized Income
1,535.74
+38.28%
1,110.59
-2.63%
1,140.61
+4.68%
1,089.57
Net Income Common Stockholders
1,535.74
+45.36%
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
Diluted EPS
—
19.88
-17.99%
24.24
+10.58%
21.92
Basic EPS
—
19.88
-17.99%
24.24
+10.58%
21.92
Basic Average Shares
—
53.11
-0.73%
53.50
-0.59%
53.81
Diluted Average Shares
—
53.11
-0.73%
53.50
-0.59%
53.81
Diluted NI Availto Com Stockholders
1,535.74
+45.36%
1,056.48
-18.58%
1,297.62
+10.00%
1,179.66
Earnings From Equity Interest Net Of Tax
0.00
0.00
+100.00%
-1.99
-125.06%
7.94
Provision For Doubtful Accounts
31.52
+158.28%
12.20
-83.23%
72.76
+127.01%
32.05
Total Other Finance Cost
—
-18.28
-41.77%
-12.89
-4488.97%
-0.28
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
8,755.97
+61.85%
5,409.89
-4.16%
5,644.77
+86.86%
3,020.87
Current Assets
6,922.67
+59.78%
4,332.63
-19.62%
5,389.86
+91.72%
2,811.33
Cash Cash Equivalents And Short Term Investments
61.84
-88.56%
540.52
+46.01%
370.19
+27.21%
291.02
Cash And Cash Equivalents
61.84
-88.56%
540.52
+46.01%
370.19
+27.21%
291.02
Receivables
5,225.22
+49.70%
3,490.42
-13.44%
4,032.41
+97.14%
2,045.46
Accounts Receivable
3,732.68
+24.97%
2,986.76
+83.10%
1,631.25
+24.45%
1,310.75
Gross Accounts Receivable
3,756.51
+24.89%
3,007.95
+82.85%
1,645.01
+25.26%
1,313.29
Allowance For Doubtful Accounts Receivable
-23.83
-12.42%
-21.20
-54.16%
-13.75
-441.63%
-2.54
Other Receivables
1,191.36
+138.63%
499.26
-79.18%
2,397.87
+235.92%
713.81
Loans Receivable
—
0.00
-100.00%
2.78
-11.71%
3.15
Prepaid Assets
854.61
0.00
—
16.45
Restricted Cash
643.80
+141.19%
266.92
-70.64%
909.15
+118.32%
416.42
Other Current Assets
137.21
+294.70%
34.76
-55.49%
78.10
+33.66%
58.43
Total Non Current Assets
1,833.29
+70.18%
1,077.26
+322.61%
254.91
+21.65%
209.54
Net PPE
1,358.14
+1297.89%
97.16
+7.96%
89.99
+93.51%
46.50
Gross PPE
1,475.75
+640.62%
199.26
+14.01%
174.77
+42.85%
122.35
Accumulated Depreciation
-117.61
-15.19%
-102.10
-20.44%
-84.78
-11.78%
-75.84
Properties
0.00
0.00
0.00
0.00
Buildings And Improvements
1,327.85
0.00
—
—
Machinery Furniture Equipment
25.08
+18.66%
21.14
+57.55%
13.42
+9.18%
12.29
Other Properties
122.81
-31.05%
178.12
+16.22%
153.26
+50.31%
101.96
Leases
—
8.09
+0.00%
8.09
+0.00%
8.09
Investments And Advances
302.08
+86.16%
162.27
+59.90%
101.48
+12.14%
90.50
Long Term Equity Investment
—
—
101.43
+12.14%
90.45
Non Current Deferred Assets
96.53
+33.33%
72.41
+18.36%
61.17
-13.57%
70.78
Non Current Deferred Taxes Assets
96.53
+33.33%
72.41
+18.36%
61.17
-13.57%
70.78
Other Non Current Assets
76.55
-89.73%
745.43
+32840.04%
2.26
+28.65%
1.76
Total Liabilities Net Minority Interest
4,324.54
+89.48%
2,282.28
-30.08%
3,264.30
+83.45%
1,779.37
Current Liabilities
3,684.45
+68.73%
2,183.60
-4.33%
2,282.40
+28.45%
1,776.89
Payables And Accrued Expenses
2,369.41
+39.20%
1,702.13
+31.15%
1,297.87
-10.19%
1,445.19
Payables
1,552.99
+68.61%
921.05
+36.45%
675.00
-25.27%
903.25
Other Payable
210.37
+46.02%
144.06
+51.88%
94.86
-64.85%
269.86
Current Accrued Expenses
816.42
+4.52%
781.08
+25.40%
622.87
+14.93%
541.94
Total Tax Payable
1,054.53
+53.49%
687.03
+20.78%
568.82
-10.11%
632.83
Current Debt And Capital Lease Obligation
180.33
+669.21%
23.44
+50.57%
15.57
-37.69%
24.99
Current Debt
155.04
—
—
—
Other Current Borrowings
84.64
—
—
—
Current Capital Lease Obligation
25.29
+7.87%
23.44
+50.57%
15.57
-37.69%
24.99
Current Deferred Liabilities
458.90
+99.96%
229.50
-75.24%
926.98
+235.23%
276.52
Current Deferred Revenue
458.90
+99.96%
229.50
-74.12%
886.86
+220.72%
276.52
Other Current Liabilities
675.80
+195.73%
228.52
+297.08%
57.55
+90.62%
30.19
Total Non Current Liabilities Net Minority Interest
640.09
+548.63%
98.68
-89.95%
981.90
+39508.91%
2.48
Long Term Debt And Capital Lease Obligation
520.30
+1742.87%
28.23
-41.13%
47.96
+1834.57%
2.48
Long Term Debt
516.00
—
—
—
Long Term Capital Lease Obligation
4.30
-84.78%
28.23
-41.13%
47.96
+1834.57%
2.48
Non Current Deferred Liabilities
106.91
+51.76%
70.45
+75.62%
40.12
0.00
Non Current Deferred Taxes Liabilities
106.91
+51.76%
70.45
—
—
Other Non Current Liabilities
12.88
-93.97%
213.64
-77.12%
933.95
—
Stockholders Equity
4,432.98
+41.66%
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Common Stock Equity
4,432.98
+41.66%
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Capital Stock
0.00
0.00
0.00
0.00
Common Stock
0.00
0.00
0.00
0.00
Share Issued
216.10
+0.00%
216.10
+0.00%
216.10
+0.00%
216.10
Ordinary Shares Number
209.32
-1.95%
213.48
+0.64%
212.13
-0.75%
213.73
Treasury Shares Number
6.78
+158.67%
2.62
-33.96%
3.97
+67.33%
2.37
Additional Paid In Capital
1,131.03
+24.34%
909.65
+0.86%
901.93
+3.60%
870.56
Retained Earnings
3,480.79
+55.29%
2,241.41
+46.90%
1,525.84
+296.43%
384.90
Gains Losses Not Affecting Retained Earnings
10.85
+52.85%
7.10
+169.67%
-10.19
-227.41%
-3.11
Treasury Stock
189.69
+556.60%
28.89
-18.49%
35.44
+282.67%
9.26
Minority Interest
-1.56
+6.09%
-1.66
+1.25%
-1.68
-6.26%
-1.58
Other Equity Adjustments
10.85
+52.85%
7.10
+169.67%
-10.19
-227.41%
-3.11
Total Equity Gross Minority Interest
4,431.43
+41.69%
3,127.61
+31.39%
2,380.46
+91.74%
1,241.50
Total Capitalization
4,948.98
+58.15%
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Working Capital
3,238.22
+50.68%
2,149.04
-30.84%
3,107.46
+200.40%
1,034.44
Invested Capital
5,104.03
+63.11%
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Total Debt
700.63
+1255.79%
51.68
+7.75%
47.96
+74.61%
27.46
Net Debt
609.21
—
—
—
Capital Lease Obligations
29.59
-42.75%
51.68
+7.75%
47.96
+74.61%
27.46
Net Tangible Assets
4,432.98
+41.66%
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Tangible Book Value
4,432.98
+41.66%
3,129.27
+31.36%
2,382.14
+91.63%
1,243.08
Available For Sale Securities
—
—
0.05
+0.00%
0.05
Current Deferred Taxes Liabilities
—
70.45
+75.62%
40.12
0.00
Duefrom Related Parties Current
301.18
+6728.02%
4.41
+766.60%
0.51
-97.13%
17.75
Dueto Related Parties Current
288.10
+220.30%
89.95
+694.23%
11.32
+1900.88%
0.57
Investmentin Financial Assets
—
—
0.05
+0.00%
0.05
Line Of Credit
70.40
0.00
—
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1,257.35
-11.79%
1,425.49
+265.90%
389.59
+191.63%
133.59
Cash Flow From Continuing Operating Activities
1,257.35
-11.79%
1,425.49
+265.90%
389.59
+191.63%
133.59
Net Income From Continuing Operations
1,535.73
+45.36%
1,056.47
-18.58%
1,297.58
+9.94%
1,180.23
Depreciation Amortization Depletion
70.90
+296.70%
17.87
+88.91%
9.46
-5.02%
9.96
Depreciation And Amortization
70.90
+296.70%
17.87
+88.91%
9.46
-5.02%
9.96
Other Non Cash Items
25.68
+9.00%
23.56
+109.09%
-259.20
-121.50%
-117.02
Stock Based Compensation
157.94
+167.14%
59.12
+8.77%
54.35
+27.75%
42.55
Provisionand Write Offof Assets
31.52
+158.28%
12.20
-83.23%
72.76
+127.01%
32.05
Asset Impairment Charge
0.00
-100.00%
51.92
-43.09%
91.24
+505.09%
15.08
Operating Gains Losses
-0.17
+99.69%
-54.59
-1532.35%
3.81
+148.00%
-7.94
Gain Loss On Investment Securities
—
-69.02
—
—
Unrealized Gain Loss On Investment Securities
-2.13
0.00
0.00
—
Gain Loss On Sale Of PPE
-0.17
0.00
+100.00%
-0.19
0.00
Change In Working Capital
-562.12
-317.09%
258.93
+129.41%
-880.41
+13.80%
-1,021.32
Change In Receivables
-1,076.22
-482.40%
-184.79
+86.94%
-1,415.24
+7.18%
-1,524.67
Changes In Account Receivables
-748.62
+15.55%
-886.46
-78.19%
-497.47
+59.63%
-1,232.33
Change In Prepaid Assets
-566.57
-137.91%
1,494.51
+179.06%
-1,890.44
-314.37%
-456.22
Change In Payables And Accrued Expense
593.23
+62.51%
365.03
-46.48%
682.09
-1.62%
693.33
Change In Accrued Expense
159.44
-16.33%
190.56
-57.18%
445.05
+0.22%
444.06
Change In Payable
433.80
+148.64%
174.47
-26.40%
237.04
-4.90%
249.26
Change In Other Working Capital
193.15
+129.05%
-664.90
-179.88%
832.34
+212.17%
266.63
Change In Other Current Assets
-63.49
-34233.33%
0.19
+136.90%
-0.50
-106.82%
7.39
Change In Other Current Liabilities
357.78
+147.63%
-751.11
-182.42%
911.35
+11817.05%
-7.78
Investing Cash Flow
-1,946.21
-148.39%
-783.52
-640.22%
-105.85
-361.24%
-22.95
Cash Flow From Continuing Investing Activities
-1,946.21
-148.39%
-783.52
-640.22%
-105.85
-361.24%
-22.95
Net PPE Purchase And Sale
-631.65
+14.54%
-739.13
-2307.43%
-30.70
-75.76%
-17.47
Purchase Of PPE
-635.08
+14.08%
-739.13
-2243.32%
-31.54
-80.57%
-17.47
Sale Of PPE
3.43
+171400.00%
0.00
-99.76%
0.84
0.00
Capital Expenditure
-635.08
+14.08%
-739.13
-2243.32%
-31.54
-80.57%
-17.47
Net Investment Purchase And Sale
-167.02
-484.82%
-28.56
+63.17%
-77.53
0.00
Purchase Of Investment
-238.36
-144.28%
-97.58
-25.85%
-77.53
0.00
Sale Of Investment
71.34
+3.37%
69.02
0.00
0.00
Net Business Purchase And Sale
16.85
+728.07%
-2.68
+96.10%
-68.75
0.00
Purchase Of Business
—
-2.68
+96.10%
-68.75
0.00
Gain Loss On Sale Of Business
0.00
-100.00%
14.43
+617.25%
2.01
0.00
Net Other Investing Changes
-1,164.39
-8754.67%
-13.15
-118.49%
71.13
+1397.79%
-5.48
Financing Cash Flow
487.17
+246.44%
-332.69
-71.95%
-193.48
-1439.72%
-12.57
Cash Flow From Continuing Financing Activities
487.17
+246.44%
-332.69
-71.95%
-193.48
-1439.72%
-12.57
Net Issuance Payments Of Debt
706.06
+3171.82%
21.58
0.00
0.00
Issuance Of Debt
1,426.07
+5117.02%
27.34
0.00
0.00
Repayment Of Debt
-720.01
-12411.10%
-5.75
0.00
0.00
Long Term Debt Issuance
1,426.07
+5117.02%
27.34
0.00
0.00
Net Long Term Debt Issuance
1,426.07
+5117.02%
27.34
0.00
0.00
Short Term Debt Payments
-720.01
-12411.10%
-5.75
0.00
0.00
Net Short Term Debt Issuance
-720.01
-12411.10%
-5.75
0.00
0.00
Net Common Stock Issuance
-110.73
-107.90%
-53.26
-39.86%
-38.08
-158.18%
-14.75
Common Stock Payments
-110.73
-107.90%
-53.26
-39.86%
-38.08
-158.18%
-14.75
Common Stock Dividend Paid
-108.16
+64.09%
-301.18
-92.23%
-156.67
0.00
Cash Dividends Paid
-108.16
+64.09%
-301.18
-92.23%
-156.67
0.00
Repurchase Of Capital Stock
-110.73
-107.90%
-53.26
-39.86%
-38.08
-158.18%
-14.75
Proceeds From Stock Option Exercised
0.00
-100.00%
0.17
-86.73%
1.27
-41.67%
2.18
Net Other Financing Charges
—
—
—
—
Changes In Cash
-201.68
-165.21%
309.28
+242.67%
90.26
-7.97%
98.08
Effect Of Exchange Rate Changes
-0.74
+81.82%
-4.05
+62.01%
-10.67
-202.63%
10.40
Beginning Cash Position
677.86
+81.91%
372.63
+27.16%
293.04
+58.77%
184.57
End Cash Position
475.44
-29.86%
677.86
+81.91%
372.63
+27.16%
293.04
Free Cash Flow
622.27
-9.34%
686.36
+91.70%
358.05
+208.33%
116.12
Income Tax Paid Supplemental Data
34.16
-71.22%
118.68
+190.20%
40.90
+2052.37%
1.90
Change In Income Tax Payable
367.49
+194.36%
124.84
-43.08%
219.35
-1.97%
223.76
Change In Tax Payable
367.49
+194.36%
124.84
-43.08%
219.35
-1.97%
223.76
Common Stock Issuance
—
—
—
—
Earnings Losses From Equity Investments
0.00
0.00
-100.00%
1.99
+125.06%
-7.94
Issuance Of Capital Stock
—
—
—
—
Sale Of Business
16.85
—
—
—
SEC Filings

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