Saturday 17 October 2026 Export JFIN’s income statement to Excel — free account

Jiayin Group Inc. Sponsored ADR

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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Market cap: $30.9M
P/E: 1.7×
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 Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 51.72%

Capital & Financial Ratios $m

Market Cap 30.90

Revenue 600.08

Net Income 219.61

Free Cash Flow 250.89

Net Debt (22.60)

Current Ratio 1.79

Debt/Equity 0.15

P/E ratio 1.67

Fwd P/E 0.00

P/S ratio 0.11

P/B ratio 0.11

Past 5Y EPS Growth 42.29%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth 631.21%

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 33.26%

10-year low 10-year high

P/S against its own 10 years 0.23%

10-year low 10-year high

P/B against its own 10 years 0.33%

10-year low 10-year high

Dividends

Payout Ratio 0.00

Annual Dividend Rate 0.00

Annual Dividend Yield 0.00%

	total	individual payouts
2025	0.80	0.80
2024	0.90	0.40 0.50
2023	0.40	0.40
2022	Powerpack
2021	Powerpack
2020	Powerpack

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	4.77	1.60	2.10	1.57	2.26	4.00	5.73	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	22.50	30.00	14.95	3.19	8.19	8.58	19.23
People
People	Employees	—	—	831	970	894	706	796	925	1,028	1,155
	Revenue/emp, $m	0.00	0.00	0.50	0.33	0.22	0.40	0.60	0.83	0.77	0.77
Income, $m
Income, $m	Revenue	89	333	419	320	199	279	474	770	795	890
	Gross margin, %	0.00	0.00	86.06	80.92	81.60	81.13	82.72	63.20	64.95	80.14
	EBT	(76)	104	103	81	56	92	192	218	177	268
	EBT margin, %	(85.94)	31.15	24.49	25.28	28.18	32.90	40.58	28.30	22.33	30.11
	Net income	(59)	0	89	76	38	73	171	183	145	220
	Depreciation	—	—	2	3	4	2	1	1	2	10
Per share, $
Per share, $	Revenue	1.66	6.23	8.38	6.09	3.69	5.17	8.81	14.39	14.96	17.04
	Earnings	(0.27)	0.37	1.78	1.44	0.72	1.36	3.18	3.40	2.72	4.20
	Cash flow	0.72	0.29	(0.66)	0.07	(0.10)	0.54	0.36	1.03	3.68	3.44
	Capex	0.00	0.00	(0.05)	(0.08)	0.00	(0.01)	(0.05)	(0.08)	(1.91)	(1.73)
	Free cash flow	0.72	0.29	(0.71)	0.00	(0.10)	0.53	0.31	0.94	1.77	1.71
	Book value	(6.89)	(5.54)	(4.81)	(2.03)	(1.32)	0.07	3.34	6.27	8.07	12.13
	Shares, m	54	54	50	53	54	54	54	53	53	52
Valuation, ×
Valuation, ×	P/E	21.25	21.25	21.25	3.46	4.36	1.61	0.75	1.49	2.31	1.38
	P/S	0.00	0.00	0.00	0.86	0.83	0.43	0.28	0.35	0.43	0.34
	P/B	0.00	0.00	0.00	0.00	0.00	29.41	0.73	0.81	0.79	0.48
	EV/Sales	0.00	0.00	0.00	0.79	0.74	0.34	0.19	0.30	0.32	0.37
	EV/FCF	0.00	0.00	0.00	0.00	0.00	(7.44)	2.33	2.54	1.35	1.32
Cash, $m
Cash, $m	Operating cash flow	39	15	(33)	4	(5)	29	19	55	195	180
	Capex	(1)	(3)	(2)	(4)	0	0	(3)	(4)	(101)	(90)
	Free cash flow	39	15	(36)	0	(6)	29	17	51	94	89
Balance, $m
Balance, $m	Working capital	—	—	(253)	(128)	(95)	(25)	150	299	282	463
	Total debt	13	16	10	5	1	6	4	—	—	97
	Net debt	(71)	(101)	(2)	(22)	(17)	(23)	(39)	(52)	(93)	29
	Shareholders’ equity	(368)	(297)	(240)	(107)	(71)	4	180	335	428	634
Returns, %
Returns, %	ROA	(17.25)	54.77	43.60	69.76	42.77	63.60	57.94	29.64	18.84	22.04
	ROIC	0.00	0.00	0.00	0.00	0.00	0.00	75.71	41.48	31.84	24.26
	ROE	17.64	(24.01)	(33.15)	(43.72)	(43.65)	(221.03)	185.86	70.94	37.90	41.35

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
LX LexinFintech Holdings Ltd. Sponsored ADR	$90.7M	0.7×	3.1×	−6.21% (below 0%: shrinking)	−78.57% (below 0%: shrinking)	+2,545.55% (above 0%: growing)	15.55%	(3.30%)	Compare
YRD Yirendai Ltd.	$67.7M	— (loss-making)	2.1×	−43.13% (below 0%: shrinking)	n/m	−332.34% (below 0%: shrinking)	78.70%	(39.50%)	Compare
WEI Weidai Ltd. Sponsored ADR	$67.6M	— (loss-making)	—	−36.85% (below 0%: shrinking)	n/m	—	0.00%	0.00%	Compare
ANTA Antalpha Platform Holding Company	$55.9M	3.8×	— (loss-making)	−28.24% (below 0%: shrinking)	n/m	0.00%	56.88%	(205.39%)	Compare
VRM Vroom, Inc.	$46.3M	— (loss-making)	— (loss-making)	−4.68% (below 0%: shrinking)	n/m	+8.45% (above 0%: growing)	100.00%	49.68%	Compare
JFIN Jiayin Group Inc. Sponsored ADR	$30.9M	1.7×	— (loss-making)	−58.75% (below 0%: shrinking)	n/m	+213.65% (above 0%: growing)	25.45%	(33.47%)
OMCC Old Market Capital Corporation	$24.4M	— (loss-making)	26.3×	+6.80% (above 0%: growing)	n/m	−34.36% (below 0%: shrinking)	86.04%	(30.48%)	Compare
JF J and Friends Holdings Limited - Sponsored ADR	$16.0M	— (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	$51.1M	—	3.1×	−17.22%	—	−17.18%	42.18%	(3.56%)

All 55 Credit Services stocks →

Jiayin Group Inc. Sponsored ADR (JFIN) key facts

Strength: Jiayin Group Inc. Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $889.8 million, up 12.0% from fiscal 2024.
Jiayin Group Inc. Sponsored ADR (JFIN) is a Credit Services company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, JFIN traded at $1.28, a market capitalization of $30.9 million.
Return on equity was 41.4% and debt-to-equity 0.15.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.