JFIN Jiayin Group Inc. - American Depositary Shares
NASDAQ · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Apr 28, 2026
$1.31
· of 52w range
· above low
· to high
$1.2652w low
$11.6452w high
P/E
0.8
EPS
$7.35
Revenue
$6.22B
your badges
52W Range
$1–$12
Analyst Rating
BUY
Price Target
·
P/E
0.8
ROE
40.6%
Net Profit Margin
24.7%
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JFIN Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$1.31
P/E
0.8
EPS
$7.35
Revenue
$6.22B
ROE
40.6%
Debt/Equity
0.2
52W Range
$1–$12
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$6.22B2017-12-31 → 2025-12-31
EPS$7.352017-12-31 → 2025-12-31
Free Cash Flow$622M2019-12-31 → 2025-12-31
Net margin24.7%2019-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | JFIN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 0.85Y avg ≈0.9 | ≈0.9 | 0.9 | Fair value |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | JFIN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Operating Margin | 28.9%5Y avg ≈27.0% | ≈27.0% | -31.2% | Top tier | |
| EBITDA Margin | 28.9%5Y avg ≈27.0% | ≈27.0% | 0.80% | Top tier | |
| Pretax Margin | 30.1%5Y avg ≈30.8% | ≈30.8% | 15.8% | Top tier | |
| Net Profit Margin | 24.7%5Y avg ≈25.8% | ≈25.8% | 12.8% | Top tier | |
| ROA | 21.7%5Y avg ≈38.6% | ≈38.6% | 7.4% | Top tier | |
| ROE | 40.6%5Y avg ≈23.7% | ≈23.7% | 14.8% | Top tier | |
| ROIC | 28.9%5Y avg ≈282.0% | ≈282.0% | 22.7% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | JFIN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity | 0.2 | · | 0.1 | High debt | |
| Current Ratio | 1.9 | · | · | · | |
| Quick Ratio | 0.0 | · | · | · | |
| Long-Term Debt / Equity | 0.1 | · | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | JFIN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.95Y avg ≈1.4 | ≈1.4 | 0.6 | Top tier | |
| Revenue / Employee | ≈$5.4M | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Annualized Payout≈$1.60
Growth Streak≈1
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jul 14, 2025 | $0.80 | USD | ≈4.7% |
| Aug 27, 2024 | $0.50 | USD | ≈16.5% |
| Jan 18, 2024 | $0.40 | USD | ≈14.0% |
| Jul 27, 2023 | $0.40 | USD | ≈6.0% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| March 31, 2026 | Jun 2, 2026 | $-1.09 | — | — |
| Dec. 31, 2024 | $5.23 | — | — | |
| March 31, 2024 | $5.22 | — | — | |
| Sept. 30, 2023 | $5.94 | — | — | |
| March 31, 2023 | $5.42 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.22B | $5.80B | $5.47B | $3.27B | $1.78B | $1.30B | $2.23B | $2.88B | |
| R&D Expense | $427M | $372M | $296M | $217M | $144M | $152M | $201M | $184M | |
| SG&A Expense | $302M | $221M | $215M | $194M | $165M | $155M | $230M | $150M | |
| Operating Expenses | $4.42B | $4.55B | $4.13B | $2.09B | $1.35B | $998M | $1.70B | $2.20B | |
| Operating Income | $1.80B | $1.25B | $1.33B | $1.18B | $432M | $302M | $535M | $685M | |
| Interest Income | · | · | · | · | · | $8M | $6M | $169.0K | |
| Other Non-op | $67M | $95M | $15M | $43M | $17M | $7M | $23M | $20M | |
| Pretax Income | $1.87B | $1.30B | $1.55B | $1.33B | $586M | $366M | $564M | $706M | |
| Income Tax | $338M | $239M | $248M | $155M | $126M | $109M | $37M | $94M | |
| Net Income | $1.54B | $1.06B | $1.30B | $1.18B | $472M | $253M | $528M | $612M | |
| EPS (Basic) | $7.35 | $4.97 | $6.06 | $5.48 | $2.18 | $1.17 | $2.51 | $3.06 | |
| EPS (Diluted) | $7.35 | $4.97 | $6.06 | $5.48 | $2.18 | $1.17 | $2.51 | $3.06 | |
| Shares (Basic) | 208,900,211 | 212,433,169 | 213,996,233 | 215,259,640 | 216,100,000 | 216,100,000 | 210,409,863 | 200,000,000 | |
| Shares (Diluted) | 208,900,211 | 212,433,169 | 213,996,233 | 215,259,640 | 216,100,000 | 216,100,000 | 210,409,863 | 200,000,000 | |
| EBITDA | $1.80B | $1.25B | $1.33B | $1.18B | $432M | $302M | $535M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $62M | $541M | $370M | $291M | $183M | $117M | $122M | $41M | |
| Short-term Investments | · | · | · | $0 | $0 | $0 | $70M | · | |
| Prepaid Expense | $1.81B | $370M | $1.92B | $476M | $62M | $61M | $91M | $88M | |
| Other Current Assets | $137M | $35M | $81M | $62M | $43M | · | · | · | |
| Current Assets | $6.92B | $4.33B | · | · | · | · | · | · | |
| PP&E (Net) | $1.33B | $44M | $40M | $19M | $9M | $19M | $39M | $29M | |
| PP&E (Gross) | $1.44B | $146M | $125M | $95M | $77M | $75M | $74M | $46M | |
| Accum. Depreciation | $118M | $102M | $85M | $76M | $68M | $55M | $35M | $17M | |
| Other Non-current Assets | $77M | $745M | $2M | $2M | $1M | · | · | $212.0K | |
| Total Assets | $8.76B | $5.41B | $5.64B | $3.02B | $971M | $525M | $701M | $802M | |
| Accrued Liabilities | $664M | $467M | $313M | $255M | $89M | · | · | · | |
| Short-term Debt | $70M | · | · | · | · | · | · | · | |
| Current Liabilities | $3.68B | $2.18B | · | · | · | · | · | · | |
| Capital Leases | $4M | $28M | $32M | $2M | $18M | $2M | $32M | · | |
| Deferred Tax | $107M | $70M | · | · | · | · | · | · | |
| Other Non-current Liabilities | $13M | · | · | · | · | · | · | · | |
| Total Liabilities | $4.32B | $2.28B | $3.26B | $1.78B | $946M | $989M | $1.44B | $2.45B | |
| Long-term Debt | $671M | · | · | · | · | · | · | · | |
| Total Debt | $671M | · | · | · | · | · | · | · | |
| Retained Earnings | $3.48B | $2.24B | $1.53B | $385M | $-795M | $-1.27B | $-1.52B | $-2.05B | |
| Treasury Stock | $190M | $29M | $35M | $9M | · | · | · | · | |
| AOCI | $11M | $7M | $-10M | $-3M | $-18M | $-13M | $469.0K | · | |
| Stockholders' Equity | $4.43B | $3.13B | $2.38B | $1.24B | $28M | $-462M | $-742M | $-1.65B | |
| Liabilities + Equity | $8.76B | $5.41B | $5.64B | $3.02B | $971M | $525M | $701M | $802M | |
| Shares Outstanding | · | · | · | · | · | · | 216,100,000 | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $71M | $18M | $9M | $10M | $16M | $23M | $18M | $11M | |
| Stock-based Comp | $158M | $59M | $54M | $43M | $15M | $31M | $148M | $68M | |
| Deferred Tax | $25M | $28M | $40M | $-22M | $-16M | $26M | $-132M | $-18M | |
| Operating Cash Flow | $1.26B | $1.43B | $390M | $134M | $185M | $-36M | $26M | $-228M | |
| CapEx | $635M | $739M | $32M | $17M | $3M | $848.0K | $28M | $17M | |
| Investing Cash Flow | $-1.95B | $-784M | $-106M | $-23M | $-126M | $33M | $-234M | $-16M | |
| Stock Issued | · | · | · | · | · | · | $244M | · | |
| Stock Repurchased | $111M | $53M | $38M | $15M | · | · | · | · | |
| Net Stock Activity | $-111M | $-53M | $-38M | $-15M | · | · | $244M | · | |
| Dividends Paid | · | · | · | · | · | · | · | $400M | |
| Financing Cash Flow | $487M | $-333M | $-193M | $-13M | $10M | $11M | $245M | $-434M | |
| Net Change in Cash | $-202M | $305M | $80M | $108M | $65M | $-3M | $39M | $-678M | |
| Taxes Paid | $34M | $119M | $41M | $2M | $7M | $162.0K | $56M | $34M | |
| Free Cash Flow | $622M | $686M | $358M | $116M | $182M | $-36M | $-1M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 28.9% | 21.5% | 24.4% | 36.1% | 24.3% | 23.2% | 24.0% | · | |
| Net Margin | 24.7% | 18.2% | 23.7% | 36.1% | 26.5% | 19.4% | 3.4% | · | |
| Pretax Margin | 30.1% | 22.3% | 28.3% | 40.6% | 32.9% | 28.2% | 25.3% | · | |
| EBITDA Margin | 28.9% | 21.5% | 24.4% | 36.1% | 24.3% | 23.2% | 24.0% | · | |
| ROA | 21.7% | 19.1% | 29.9% | 59.1% | 63.1% | 41.2% | 10.1% | · | |
| ROE | 40.6% | 38.3% | 71.6% | 185.6% | -217.7% | -42.0% | -6.3% | · | |
| ROIC | 28.9% | 32.5% | 47.0% | 84.0% | 1217.5% | -46.0% | -67.3% | · |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.9 | · | · | · | · | · | · | · | |
| Quick Ratio | 0.0 | · | · | · | · | · | · | · | |
| Debt / Equity | 0.2 | · | · | · | · | · | · | · | |
| LT Debt / Equity | 0.1 | · | · | · | · | · | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.9 | 1.0 | 1.3 | 1.6 | 2.4 | 2.1 | 3.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | · | · | · | · | · | $-3.43 | · | |
| Revenue / Share | $29.79 | $27.31 | $25.55 | $15.20 | $8.24 | $6.02 | $10.60 | · | |
| Cash Flow / Share | $6.02 | $6.71 | $1.82 | $0.62 | $0.85 | $-0.16 | $0.12 | · | |
| Cash / Share | · | · | · | · | · | · | $0.57 | · | |
| EPS (TTM) | $7.35 | $4.97 | $6.06 | $5.48 | $2.18 | $1.17 | $2.51 | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $6.22B | $5.80B | $5.47B | $3.27B | $1.78B | $1.30B | $2.23B | · | |
| Net Income TTM | $1.54B | $1.06B | $1.30B | $1.18B | $472M | $253M | $528M | · | |
| Market Cap | · | · | · | · | · | · | $1.14B | · | |
| P/E | 0.8 | 1.3 | 0.9 | 0.4 | 1.0 | 2.6 | 2.1 | · | |
| P/S | · | · | · | · | · | · | 0.5 | · | |
| P/B | · | · | · | · | · | · | -1.5 | · | |
| P / Cash Flow | · | · | · | · | · | · | 43.2 | · | |
| P / FCF | · | · | · | · | · | · | -863.1 | · | |
| Earnings Yield | 126.7% | 78.0% | 117.0% | 238.3% | 99.1% | 38.4% | 47.7% | · |
No quarterly filings for JFIN
We don't have SEC filings for this ticker yet.
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $6.22B | $5.80B | $5.47B | $3.27B | $1.78B |
| Operating Margin % | 28.9% | 21.5% | 24.4% | 36.1% | 24.3% |
| Net Income | $1.54B | $1.06B | $1.30B | $1.18B | $472M |
| Diluted EPS | $7.35 | $4.97 | $6.06 | $5.48 | $2.18 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | 0.2 | · | · | · | · |
| Current Ratio | 1.9 | · | · | · | · |
| Quick Ratio | 0.0 | · | · | · | · |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $622M | $686M | $358M | $116M | $182M |
Institutional owners (13F) 30 filers · $1.8M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
30
Value held
$1.8M
New positions
6
Exited positions
8
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 6 (-2 vs prior Q) | 8 (-8 vs prior Q) | 6 (-1 vs prior Q) | 7 (-5 vs prior Q) | -207K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | $288,485 | 100,648 | 16.16% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $246,458 | 86,174 | 13.80% | Shares |
| Trexquant Investment LP | $205,176 | 71,740 | 11.49% | Shares |
| Cubist Systematic Strategies, LLC | $197,318 | 19,120 | 11.05% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $156,393 | 54,683 | 8.76% | Shares |
| JANE STREET GROUP, LLC | $131,220 | 45,881 | 7.35% | Shares |
| GOLDMAN SACHS GROUP INC | $76,717 | 26,824 | 4.30% | Shares |
| HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND | $74,074 | 25,900 | 4.15% | Shares |
| AMERICAN CENTURY COMPANIES INC | $68,857 | 24,076 | 3.86% | Shares |
| MORGAN STANLEY | $66,328 | 23,191 | 3.71% | Shares |
| TWO SIGMA ADVISERS, LP | $60,320 | 10,400 | 3.38% | Shares |
| Ariadne Wealth Management, LP | $53,422 | 18,679 | 2.99% | Shares |
| Leonteq Securities AG | $42,900 | 15,000 | 2.40% | Shares |
| CITADEL ADVISORS LLC | $37,180 | 13,000 | 2.08% | Put option |
| XTX Topco Ltd | $33,983 | 11,882 | 1.90% | Shares |
| Allworth Financial LP | $14,166 | 4,953 | 0.79% | Shares |
| Tidemark, LLC | $13,514 | 4,725 | 0.76% | Shares |
| First Command Advisory Services, Inc. | $7,619 | 2,664 | 0.43% | Shares |
| UBS Group AG | $4,344 | 1,519 | 0.24% | Shares |
| WELLS FARGO & COMPANY/MN | $2,674 | 935 | 0.15% | Shares |
| ROYAL BANK OF CANADA | $1,000 | 398 | 0.06% | Shares |
| Russell Investments Group, Ltd. | $887 | 310 | 0.05% | Shares |
| Larson Financial Group LLC | $772 | 270 | 0.04% | Shares |
| BlackRock, Inc. | $635 | 222 | 0.04% | Shares |
| SIMPLEX TRADING, LLC | $374 | 131 | 0.02% | Shares |
| OSAIC HOLDINGS, INC. | $345 | 120 | 0.02% | Shares |
| Basepoint Wealth LLC | $286 | 100 | 0.02% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $66 | 23 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $24 | 9,030 | 0.00% | Shares |
| SBI Securities Co., Ltd. | $3 | 1 | 0.00% | Shares |
Company insiders 3 insiders · 2 officers · 1 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Chunlin Fan | Chief financial officer | June 23, 2026 A | 1,802,152 | 0 | 0 | $0 |
| Zhe (Maik) Wang | Group head of Technology | June 23, 2026 A | 160,000 | 0 | 0 | $0 |
| Yifang Xu | Director | June 23, 2026 A | 6,454,776 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 2 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
JFIN Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
BUY
2 28.6%
Strong Buy
4 57.1%
Buy
1 14.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 20-F filed Apr 28, 2026