What is Jiayin Group's earnings per share (EPS)?

Jiayin Group (JFIN) reported diluted earnings per share of $1.05 for fiscal year 2025. This represents a 54.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Jiayin Group Financials

JFIN

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Jiayin Group (JFIN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI JFIN FY2024 2026-04-28

Jiayin’s cash generation finally caught up with reported profit, while a lighter liability load made the balance sheet more self-funded.

From FY2022 through FY2023, net income far outpaced operating cash flow, but in FY2024 that flipped: net income fell to $145M while operating cash flow jumped to $195M and free cash flow reached $94M even after $101M of capital spending. That combination suggests less profit was being absorbed on the balance sheet, so earnings became much more usable cash than they had been in the prior two years.

The balance-sheet posture improved faster than revenue: revenue was only slightly higher than FY2023, yet total liabilities fell by $147M, cash rose to $74M, and the debt-to-equity ratio dropped from 1.4x to 0.7x. That points to internally funded deleveraging rather than growth that depends on adding obligations.

Profitability is still strong, but margin compression did not come from selling overhead alone; operating margin moved from 36.1% in FY2022 to 21.5% in FY2024 while SG&A stayed near $30M. With R&D rising from $31M to $51M, part of the lower margin reflects heavier reinvestment and likely business-mix changes, not just weaker scale.

Financial Health Signals

Financial Profile 67/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Jiayin Group's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Jiayin Group has an operating margin of 28.9%, meaning the company retains $29 of operating profit per $100 of revenue. This strong profitability earns a score of 79/100, reflecting efficient cost management and pricing power. This is up from 21.5% the prior year.

Growth

Jiayin Group's revenue grew 12.0% year-over-year to $889.8M, a solid pace of expansion. This earns a growth score of 46/100.

Leverage

100

Jiayin Group carries a low D/E ratio of 0.12, meaning only $0.12 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Jiayin Group's current ratio of 1.88 indicates adequate short-term liquidity, earning a score of 34/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

Jiayin Group has a free cash flow margin of 10.0%, earning a moderate score of 50/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Jiayin Group earns a strong 34.6% return on equity (ROE), meaning it generates $35 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 96/100. This is up from 33.8% the prior year.

Altman Z-Score Grey Zone

2.61

Jiayin Group scores 2.61, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.

Piotroski F-Score Weak

2/9

Jiayin Group passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.82x

For every $1 of reported earnings, Jiayin Group generates $0.82 in operating cash flow ($179.8M OCF vs $219.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$889.8M

YoY+12.0%

5Y CAGR+34.9%

Jiayin Group generated $889.8M in revenue in fiscal year 2025. This represents an increase of 12.0% from the prior year.

EBITDA

$267.2M

YoY+54.0%

5Y CAGR+39.9%

Jiayin Group's EBITDA was $267.2M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 54.0% from the prior year.

Net Income

$219.6M

YoY+51.7%

5Y CAGR+41.5%

Jiayin Group reported $219.6M in net income in fiscal year 2025. This represents an increase of 51.7% from the prior year.

EPS (Diluted)

$1.05

YoY+54.4%

5Y CAGR+42.3%

Jiayin Group earned $1.05 per diluted share (EPS) in fiscal year 2025. This represents an increase of 54.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$89.0M

YoY-5.4%

Jiayin Group generated $89.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 5.4% from the prior year.

Cash & Debt

$8.8M

YoY-88.1%

5Y CAGR-13.2%

Jiayin Group held $8.8M in cash against $73.8M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

101M

Jiayin Group had 101M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

N/A

Operating Margin

28.9%

YoY+7.4pp

5Y CAGR+5.6pp

Jiayin Group's operating margin was 28.9% in fiscal year 2025, reflecting core business profitability. This is up 7.4 percentage points from the prior year.

Net Margin

24.7%

YoY+6.5pp

5Y CAGR+5.2pp

Jiayin Group's net profit margin was 24.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 6.5 percentage points from the prior year.

Return on Equity

34.6%

YoY+0.9pp

Jiayin Group's ROE was 34.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.

Capital Allocation

R&D Spending

$61.1M

YoY+19.7%

5Y CAGR+21.3%

Jiayin Group invested $61.1M in research and development in fiscal year 2025. This represents an increase of 19.7% from the prior year.

Share Buybacks

$15.8M

YoY+117.0%

Jiayin Group spent $15.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 117.0% from the prior year.

Capital Expenditures

$90.8M

YoY-10.3%

5Y CAGR+270.5%

Jiayin Group invested $90.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 10.3% from the prior year.

JFIN Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$889.8M+12.0%	$794.7M+3.2%	$770.0M+62.3%	$474.3M+69.8%	$279.4M+40.2%	$199.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	$61.1M+19.7%	$51.0M+22.3%	$41.7M+32.8%	$31.4M+39.3%	$22.6M-2.9%	$23.2M
SG&A Expenses	$43.3M+42.9%	$30.3M0.0%	$30.3M+7.6%	$28.1M+8.6%	$25.9M+9.1%	$23.7M
Operating Income	$257.0M+50.3%	$171.0M-8.9%	$187.7M+9.5%	$171.4M+152.8%	$67.8M+46.4%	$46.3M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$48.3M+47.5%	$32.7M-6.2%	$34.9M+54.8%	$22.5M+14.2%	$19.7M+18.3%	$16.7M
Net Income	$219.6M+51.7%	$144.7M-20.8%	$182.8M+6.9%	$171.0M+130.9%	$74.1M+91.1%	$38.8M
EPS (Diluted)	$1.05+54.4%	$0.68-20.0%	$0.85+7.6%	$0.79+132.4%	$0.34+88.9%	$0.18

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A

JFIN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.3B+68.9%	$741.2M-6.8%	$795.0M+81.5%	$438.0M+187.3%	$152.4M+89.3%	$80.5M
Current Assets	$989.9M	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$8.8M-88.1%	$74.1M+42.0%	$52.1M+23.6%	$42.2M+47.3%	$28.6M+59.3%	$18.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$618.4M+97.8%	$312.7M-32.0%	$459.8M+78.2%	$258.0M+73.8%	$148.4M-2.1%	$151.6M
Current Liabilities	$526.9M	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$73.8M	N/A	N/A	N/A	N/A	N/A
Total Equity	$633.9M+47.9%	$428.7M+27.8%	$335.5M+86.2%	$180.2M+4021.4%	$4.4M+106.2%	-$70.7M
Retained Earnings	$497.7M+62.1%	$307.1M+42.9%	$214.9M+285.1%	$55.8M+144.7%	-$124.7M+35.8%	-$194.2M

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Total Assets	$1.3B+68.9%	$741.2M-6.8%	$795.0M+81.5%	$438.0M+187.3%	$152.4M+89.3%	$80.5M-20.0%	$100.7M
Current Assets	$989.9M	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$8.8M-88.1%	$74.1M+42.0%	$52.1M+23.6%	$42.2M+47.3%	$28.6M+59.3%	$18.0M+2.5%	$17.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	$20.0M
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$618.4M+97.8%	$312.7M-32.0%	$459.8M+78.2%	$258.0M+73.8%	$148.4M-2.1%	$151.6M-26.8%	$207.2M
Current Liabilities	$526.9M	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$73.8M	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$633.9M+47.9%	$428.7M+27.8%	$335.5M+86.2%	$180.2M+4021.4%	$4.4M+106.2%	-$70.7M+33.6%	-$106.6M
Retained Earnings	$497.7M+62.1%	$307.1M+42.9%	$214.9M+285.1%	$55.8M+144.7%	-$124.7M+35.8%	-$194.2M+11.1%	-$218.3M

JFIN Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$179.8M-7.9%	$195.3M+255.9%	$54.9M+183.3%	$19.4M-33.1%	$29.0M+632.4%	-$5.4M
Capital Expenditures	$90.8M-10.3%	$101.3M+2179.1%	$4.4M+75.4%	$2.5M+483.6%	$434K+233.8%	$130K
Free Cash Flow	$89.0M-5.4%	$94.0M+86.5%	$50.4M+199.6%	$16.8M-41.0%	$28.5M+612.2%	-$5.6M
Investing Cash Flow	-$278.3M-159.3%	-$107.3M-620.0%	-$14.9M-348.0%	-$3.3M+83.2%	-$19.8M-489.0%	$5.1M
Financing Cash Flow	$69.7M+252.8%	-$45.6M-67.2%	-$27.3M-1395.7%	-$1.8M-216.8%	$1.6M-3.9%	$1.6M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$15.8M+117.0%	$7.3M+36.0%	$5.4M+150.8%	$2.1M	N/A	N/A

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A

JFIN Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	28.9%+7.4pp	21.5%-2.9pp	24.4%-11.8pp	36.1%+11.9pp	24.3%+1.0pp	23.2%
Net Margin	24.7%+6.5pp	18.2%-5.5pp	23.7%-12.3pp	36.1%+9.5pp	26.5%+7.1pp	19.4%
Return on Equity	34.6%+0.9pp	33.8%-20.7pp	54.5%-40.4pp	94.9%-1599.2pp	1694.0%	N/A
Return on Assets	17.5%-2.0pp	19.5%-3.5pp	23.0%-16.1pp	39.1%-9.5pp	48.6%+0.5pp	48.1%
Current Ratio	1.88	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.12-0.6	0.73-0.6	1.37-0.1	1.43-32.5	33.94+36.1	-2.14
FCF Margin	10.0%-1.8pp	11.8%+5.3pp	6.6%+3.0pp	3.5%-6.7pp	10.2%+13.0pp	-2.8%

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Current Ratio	1.88	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.12-0.6	0.73-0.6	1.37-0.1	1.43-32.5	33.94+36.1	-2.14-0.2	-1.94
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Jiayin Group's annual revenue?

Jiayin Group (JFIN) reported $889.8M in total revenue for fiscal year 2025. This represents a 12.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Jiayin Group's revenue growing?

Jiayin Group (JFIN) revenue grew by 12% year-over-year, from $794.7M to $889.8M in fiscal year 2025.

Is Jiayin Group profitable?

Yes, Jiayin Group (JFIN) reported a net income of $219.6M in fiscal year 2025, with a net profit margin of 24.7%.

What is Jiayin Group's EBITDA?

Jiayin Group (JFIN) had EBITDA of $267.2M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Jiayin Group have?

As of fiscal year 2025, Jiayin Group (JFIN) had $8.8M in cash and equivalents against $73.8M in long-term debt.

What is Jiayin Group's operating margin?

Jiayin Group (JFIN) had an operating margin of 28.9% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Jiayin Group's net profit margin?

Jiayin Group (JFIN) had a net profit margin of 24.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Jiayin Group's return on equity (ROE)?

Jiayin Group (JFIN) has a return on equity of 34.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Jiayin Group's free cash flow?

Jiayin Group (JFIN) generated $89.0M in free cash flow during fiscal year 2025. This represents a -5.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Jiayin Group's operating cash flow?

Jiayin Group (JFIN) generated $179.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Jiayin Group's total assets?

Jiayin Group (JFIN) had $1.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Jiayin Group's capital expenditures?

Jiayin Group (JFIN) invested $90.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does Jiayin Group spend on research and development?

Jiayin Group (JFIN) invested $61.1M in research and development during fiscal year 2025.

Does Jiayin Group buy back shares?

Yes, Jiayin Group (JFIN) spent $15.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Jiayin Group have outstanding?

Jiayin Group (JFIN) had 101M shares outstanding as of fiscal year 2025.

What is Jiayin Group's current ratio?

Jiayin Group (JFIN) had a current ratio of 1.88 as of fiscal year 2025, which is generally considered healthy.

What is Jiayin Group's debt-to-equity ratio?

Jiayin Group (JFIN) had a debt-to-equity ratio of 0.12 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Jiayin Group's return on assets (ROA)?

Jiayin Group (JFIN) had a return on assets of 17.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Jiayin Group's Altman Z-Score?

Jiayin Group (JFIN) has an Altman Z-Score of 2.61, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Jiayin Group's Piotroski F-Score?

Jiayin Group (JFIN) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Jiayin Group's earnings high quality?

Jiayin Group (JFIN) has an earnings quality ratio of 0.82x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Jiayin Group?

Jiayin Group (JFIN) scores 67 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.