Saturday 17 October 2026
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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. In the quarter to June 2026, revenue fell 58.8%, EPS fell 138.2% and free cash flow grew 213.7%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for five.
1.28
0.06
+4.92%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
5 | 7 | 5 | 6 | 6 | 3 | — | — | — | — |
P/E ratio |
1.38 | 2.31 | 1.49 | 0.75 | 1.61 | 4.36 | 3.46 | 21.25 | 21.25 | 21.25 |
P/S ratio |
0.34 | 0.43 | 0.35 | 0.28 | 0.43 | 0.83 | 0.86 | 0.00 | 0.00 | 0.00 |
P/FCF ratio |
1.21 | 1.78 | 3.00 | 3.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/B ratio |
0.48 | 0.79 | 0.81 | 0.73 | 29.41 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Tangible BV |
0.48 | 0.79 | 0.81 | 0.73 | 29.41 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Sales |
0.37 | 0.32 | 0.30 | 0.19 | 0.34 | 0.74 | 0.79 | 0.00 | 0.00 | 0.00 |
EV/EBITDA |
1.29 | 1.50 | 1.22 | 0.54 | 1.41 | 3.19 | 3.31 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
0.74 | 0.86 | 2.34 | 1.98 | (16.13) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/FCF |
1.32 | 1.35 | 2.54 | 2.33 | (7.44) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quick Ratio |
1.39 | 1.74 | 1.06 | 1.31 | 0.77 | 0.28 | 0.32 | 0.17 | 0.00 | 0.00 |
Current Ratio |
1.88 | 1.90 | 1.65 | 1.58 | 0.83 | 0.37 | 0.38 | 0.29 | — | — |
Net Debt/EBITDA |
0.11 | (0.54) | (0.28) | (0.22) | (0.33) | (0.34) | (0.28) | (0.02) | 0.00 | 0.00 |
Debt/Assets |
7.71% | 0.00% | 0.00% | 0.90% | 3.63% | 1.59% | 5.04% | 8.79% | 0.00% | 4.45% |
Debt/Equity |
0.15 | 0.00 | 0.00 | 0.02 | 1.37 | (0.02) | (0.05) | (0.04) | (0.05) | (0.04) |
Asset Turnover |
0.89 | 1.03 | 1.25 | 1.61 | 2.40 | 2.20 | 2.95 | 2.05 | 2.28 | 0.26 |
Operating CF/Net income |
0.82 | 1.35 | 0.30 | 0.11 | 0.39 | (0.14) | 0.05 | (0.37) | 0.19 | (0.66) |
Capex/Depreciation |
(8.91) | (41.35) | (3.24) | (1.75) | (0.18) | (0.04) | (1.56) | (1.45) | — | — |
Interest Coverage |
— | — | — | — | — | — | — | — | 0.00 | 0.00 |
| 41.35% | 37.90% | 70.94% | 185.86% | (221.03%) | (43.65%) | (43.72%) | (33.15%) | (24.01%) | 17.64% | |
| 22.04% | 18.84% | 29.64% | 57.94% | 63.60% | 42.77% | 69.76% | 43.60% | 54.77% | (17.25%) | |
ROIC |
24.26% | 31.84% | 41.48% | 75.71% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
33.64% | 50.25% | 59.91% | 112.26% | (314.76%) | (42.21%) | (62.02%) | (35.81%) | 2,178.02% | (7,554.21%) |
Average Days of Receivables |
271.92 | 206.67 | 206.69 | 227.87 | 110.59 | 44.53 | 44.17 | 42.66 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
6.86% | 6.42% | 5.42% | 6.62% | 8.07% | 11.66% | 9.03% | 6.40% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
43.88% | 36.80% | 32.08% | 38.99% | 46.30% | 40.77% | 37.50% | 30.43% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
2.54% | 1.02% | 0.99% | 1.30% | 0.85% | 2.36% | 6.62% | 2.35% | 0.00% | 0.00% |
Graham Net Nets |
1.23 | 0.83 | 1.11 | 1.14 | (0.21) | (0.58) | (0.46) | (0.27) | (0.27) | (0.27) |
Graham Number |
33.89 | 22.38 | 21.86 | 15.59 | 1.52 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
72.52% | 43.33% | 67.00% | 132.92% | 62.27% | 22.95% | 28.90% | 4.71% | 4.71% | 4.71% |
Free Cash Flow Yield |
82.83% | 56.15% | 33.37% | 30.28% | (10.80%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Revenue per Share |
17.04 | 14.96 | 14.39 | 8.81 | 5.17 | 3.69 | 6.09 | 8.38 | 6.23 | 1.66 |
Operating CF per Share |
3.44 | 3.68 | 1.03 | 0.36 | 0.54 | (0.10) | 0.07 | (0.66) | 0.29 | 0.72 |
Capex per Share |
(1.73) | (1.91) | (0.08) | (0.05) | (0.01) | 0.00 | (0.08) | (0.05) | 0.00 | 0.00 |
Free Cash Flow per Share |
1.71 | 1.77 | 0.94 | 0.31 | 0.53 | (0.10) | 0.00 | (0.71) | 0.29 | 0.72 |
Cash per Share |
1.30 | 1.75 | 0.98 | 0.79 | 0.54 | 0.34 | 0.52 | 0.24 | 2.19 | 1.56 |
Shareholders Equity per Share |
12.13 | 8.07 | 6.27 | 3.34 | 0.07 | (1.32) | (2.03) | (4.81) | (5.54) | (6.89) |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
12.13 | 8.07 | 6.27 | 3.34 | 0.07 | (1.32) | (2.03) | (4.81) | (5.54) | (6.89) |
Free Cash Flow |
89.47 | 94.03 | 50.55 | 16.83 | 28.53 | (5.57) | (0.19) | (35.60) | 15.50 | 38.76 |
Working Capital |
463.06 | 281.97 | 299.38 | 149.62 | (24.96) | (94.81) | (127.84) | (252.67) | — | — |
Capital Expenditures |
(90.32) | (101.26) | (4.32) | (2.53) | (0.43) | (0.13) | (3.97) | (2.39) | (3.22) | (1.01) |
Net Current Asset Value |
371.53 | 281.97 | 299.38 | 149.62 | (24.96) | (94.81) | (127.84) | (252.67) | (685.21) | (659.96) |
EV/EBIT |
1.29 | 1.50 | 1.22 | 0.54 | 1.41 | 3.19 | 3.31 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.10 | 0.13 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 |
Price to Operating Income |
1.18 | 1.98 | 1.44 | 0.76 | 1.75 | 3.56 | 3.60 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.05 | 0.40 | 0.23 | 0.53 | 1.72 | 1.19 | 0.45 | 0.39 | 0.00 | 0.00 |
Cash ROIC |
11.21% | 18.04% | 13.04% | 7.43% | 74.03% | 10.81% | 0.26% | 16.33% | (9.47%) | (14.26%) |
Accounts Receivable Turnover |
1.60 | 1.79 | 2.10 | 2.49 | 5.13 | 6.32 | 7.30 | 9.55 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | (5.48) | 0.00 | 0.00 | (0.36) | (1.20) | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 408.65 | 0.00 | 0.00 | (726.27) | (1,387.99) | 0.00 | 0.00 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — |
Average Receivables |
556.43 | 443.01 | 366.06 | 190.38 | 54.48 | 31.54 | 43.88 | 43.88 | — | — |
Average Payables |
— | — | — | (14.94) | — | — | (171.90) | (48.69) | 205.24 | 205.24 |
Average Assets |
996.62 | 768.10 | 616.52 | 295.21 | 116.48 | 90.61 | 108.67 | 204.08 | 145.76 | 340.06 |
Average Common Equity |
531.08 | 381.88 | 257.64 | 92.02 | (33.52) | (88.80) | (173.40) | (268.44) | (332.53) | (332.53) |
Columns are period end dates