Pricing Log in Create free account
Saturday 17 October 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. 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%
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% (at or above 15%: strong)
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth 631.21% (at or above 10%: strong)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Jiayin Group Inc. Sponsored ADR (JFIN) Latest News

No news at this impact. Lower the threshold for more.
stockrow.com/JFIN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com