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Friday 6 November 2026 Export JFIN’s income statement to Excel — free account

Jiayin Group Inc. Sponsored ADR

JFIN Financial Credit Services

Jiayin Group Inc. Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $889.8 million, up 12.0% from fiscal 2024.

Revenue
−58.8%
EPS
−138.2%
Free cash flow
+213.7%

Quarter to June 2026, against a year earlier

1.44 0.06 −4.00%
Market cap
$38.0M
P/E
1.9×
Fwd P/E
0.0×
Dividend yield
0.00%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 51.72%

Capital & Financial Ratios $m

Size
Market Cap 37.99
Revenue ttm 600.08
Net income ttm 219.61
Free cash flow ttm 250.89
Net debt Q (22.60)
Valuation
P/E 1.92
Forward P/E 0.00
Price / sales 0.13
Forward P/S Powerpack
Price / FCF 0.31
Price / book 0.12
Financial health
Current ratio Q 1.79
Debt / equity Q 0.15
Interest coverage Q —
Growth
Revenue growth Q −58.75% (below 0%: shrinking)
Operating income growth Q −140.75% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A +631.21% (at or above 10%: strong)
EPS, past 5 yrs +42.29% (at or above 15%: strong)
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 42.57%
10-year low 10-year high
P/S against its own 10 years 1.68%
10-year low 10-year high
P/B against its own 10 years 2.38%
10-year low 10-year high

Dividends

Yield
0.00%
Annual rate
0.00
Payout ratio
0.00%
Growth, 2023–25
+41.4%/yr
  1. 0.40 ’23
  2. 0.90 ’24 +125
  3. 0.80 ’25 −11
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 52 93 68 115
Receivables 436 450 663 527
Inventory — — — —
Other — — — —
759 595 990 974
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt — — 22 23
Other 132 29 88 106
460 313 527 543

Compound Annual Growth %

10y 5y 3y
Sales — 34.89% 23.33%
Cash Flow — 0.00% 110.17%
Earnings — 41.47% 8.69%
Book Value — 0.00% 52.12%

Earnings Trends EPS, adjusted, against the consensus

Mar 2022 Estimate 0.27 Actual 0.42

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Mar 2021 0.20 0.28 Beat by 0.08
Jun 2021 0.21 0.36 Beat by 0.15
Sep 2021 0.33 0.37 Beat by 0.04
Mar 2022 0.27 0.42 Beat by 0.15

EPS $

Mar Jun Sep Dec Year
’26 (0.16) (0.52) — — —
’25 1.40 1.36 1.04 0.41 4.20
’24 0.72 0.60 0.72 0.72 2.72
’23 0.76 0.84 0.83 0.96 3.40
’22 0.42 0.72 0.64 1.45 3.18
’21 0.28 0.36 0.37 0.36 1.36
’20 0.12 0.11 0.23 0.24 0.72
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 110 109 — — —
’25 245 263 207 175 890
’24 204 203 206 181 795
’23 163 176 201 229 770
’22 81 121 126 147 474
’21 52 76 90 61 279
’20 44 35 59 61 199
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — 180
’24 — — — — 195
’23 — — — — 55
’22 — — — — 19
’21 — — — — 29
’20 — — — — (5)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — 89 89
’24 — — — 94 94
’23 — — — 51 51
’22 — — — 17 17
’21 — — — 29 29
’20 — — — (6) (6)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 89 333 419 320 199 279 474 770 795 890 600 +29.2% — — — —
Gross margin, % 0.00 0.00 86.06 80.92 81.60 81.13 82.72 63.20 64.95 80.14 63.40 +80.1 pt
EBT (76) 104 103 81 56 92 192 218 177 268 44 n/m
EBT margin, % (85.94) 31.15 24.49 25.28 28.18 32.90 40.58 28.30 22.33 30.11 7.40 +116.1 pt
Net income (59) 0 89 76 38 73 171 183 145 220 220 n/m
Per share, $
Per share, $ Revenue 1.78 6.66 8.38 6.09 3.69 5.17 8.81 14.39 14.96 17.04 11.45 +28.5%
Earnings (1.17) 1.60 1.78 1.44 0.72 1.36 3.18 3.40 2.72 4.20 0.77 n/m
Cash flow 0.78 0.31 (0.66) 0.07 (0.10) 0.54 0.36 1.03 3.68 3.44 0.00 +18.0%
Capex 0.00 0.00 (0.05) (0.08) 0.00 (0.01) (0.05) (0.08) (1.91) (1.73) 0.00 n/m
Free cash flow 0.78 0.31 (0.71) 0.00 (0.10) 0.53 0.31 0.94 1.77 1.71 0.00 +9.2%
Book value (7.37) (5.93) (4.81) (2.03) (1.32) 0.07 3.34 6.27 8.07 12.13 11.84 n/m
Shares, m 50 50 50 53 54 54 54 53 53 52 52 +0.5%
Valuation, ×
Valuation, × P/E 21.25 21.25 21.25 3.46 4.36 1.61 0.75 1.49 2.31 1.38 1.92 7.9
P/S 0.00 0.00 0.00 0.86 0.83 0.43 0.28 0.35 0.43 0.34 0.13 0.4
P/B 0.00 0.00 0.00 0.00 0.00 29.41 0.73 0.81 0.79 0.48 0.12 3.2
EV/Sales 0.00 0.00 0.00 0.79 0.74 0.34 0.19 0.30 0.32 0.37 — 0.3
EV/FCF 0.00 0.00 0.00 0.00 0.00 (7.44) 2.33 2.54 1.35 1.32 — 0.0
Cash, $m
Cash, $m Operating cash flow 39 15 (33) 4 (5) 29 19 55 195 180 449 +18.6%
Capex (1) (3) (2) (4) 0 0 (3) (4) (101) (90) (198) +64.7%
Free cash flow 39 15 (36) 0 (6) 29 17 51 94 89 251 +9.7%
Balance, $m
Balance, $m Working capital — — (253) (128) (95) (25) 150 299 282 463 431 n/m
Net debt (71) (101) (2) (22) (17) (23) (39) (52) (93) 29 (23) n/m
Shareholders’ equity (368) (297) (240) (107) (71) 4 180 335 428 634 620 n/m
Returns, %
Returns, % ROA (17.25) 54.77 43.60 69.76 42.77 63.60 57.94 29.64 18.84 22.04 3.23 +39.3 pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 75.71 41.48 31.84 24.26 3.94 +24.3 pt
ROE 17.64 (24.01) (33.15) (43.72) (43.65) (221.03) 185.86 70.94 37.90 41.35 0.00 +23.7 pt
People
People Employees — — 831 970 894 706 796 925 1,028 1,155 — +4.8%
Revenue/emp, $m 0.00 0.00 0.50 0.33 0.22 0.40 0.60 0.83 0.77 0.77 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Jiayin Group Inc. Sponsored ADR vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
XYF X Financial Sponsored ADR $107.3M 2.2× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62% Compare
LX LexinFintech Holdings Ltd. Sponsored ADR $83.7M 0.7× — (loss-making) −6.21% (below 0%: shrinking) −78.57% (below 0%: shrinking) +2,545.55% (above 0%: growing) 15.55% (3.30%) Compare
SUIG Sui Group Holdings Limited $71.0M — (loss-making) — (loss-making) −61.71% (below 0%: shrinking) n/m −651.07% (below 0%: shrinking) 100.00% (5,439.12%) Compare
ANTA Antalpha Platform Holding Company $39.5M 2.8× — (loss-making) −28.24% (below 0%: shrinking) n/m 0.00% 56.88% (205.39%) Compare
JFIN Jiayin Group Inc. Sponsored ADR $38.0M 1.9× — (loss-making) −58.75% (below 0%: shrinking) n/m +213.65% (above 0%: growing) 25.45% (33.47%)
VRM Vroom, Inc. $34.9M — (loss-making) — (loss-making) −4.68% (below 0%: shrinking) n/m +8.45% (above 0%: growing) 100.00% 49.68% Compare
YRD Yirendai Ltd. $31.7M — (loss-making) 2.1× −43.13% (below 0%: shrinking) n/m −332.34% (below 0%: shrinking) 78.70% (39.50%) Compare
JF J and Friends Holdings Limited - Sponsored ADR $15.7M — (loss-making) — −64.26% (below 0%: shrinking) n/m — 0.00% 0.00% Compare
AIJTY Jianpu Technology Inc. $12.8M — (loss-making) — (loss-making) +2.06% (above 0%: growing) n/m −75.61% (below 0%: shrinking) 27.49% (3.82%) Compare
Median of peers $37.2M 2.2× — −35.68% — 0.00% 57.26% (3.56%)

All 53 Credit Services stocks →

Jiayin Group Inc. Sponsored ADR (JFIN) Latest News

28 Aug

Impact 4 · · The Motley Fool transcript
Impact 3 · transcript
Impact 3 · · MarketBeat transcript
Impact 3 ·

23 Jun

Impact 3 · · GuruFocus.com transcript
Impact 3 · · GlobeNewswire

2 Apr

Impact 3 · · Simply Wall St.

31 Mar

Impact 4 · · GuruFocus.com
Impact 4 · · MarketBeat
Impact 4 · · GlobeNewswire

5 Jan

Impact 3 · · Simply Wall St.

3 Dec

Impact 3 · · Simply Wall St.

1 Dec

Impact 3 · · MT Newswires

26 Nov

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25 Nov

Impact 4 · · GuruFocus.comGuruFocus.comGuruFocus.comGuruFocus.comMotley FoolSimply Wall St. transcript
Impact 4 · · The Motley Fool transcript
Impact 3 · · GlobeNewswireGuruFocus.comGuruFocus.comSimply Wall St.MT Newswires

13 Nov

Impact 4 · · Simply Wall St.

12 Nov

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3 Oct

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1 Oct

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15 Sep

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5 Sep

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22 Aug

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21 Aug

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20 Aug

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18 Aug

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13 Aug

Impact 3 ·
stockrow.com/JFIN · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com