YOLFTbeta
Jiayin Group Inc

Jiayin Group Inc

JFIN · NASDAQ · Financial Services / Credit Services

1.37USD-0.02 (-1.44%)

Price History

Full chart

Market Stats

Previous Close1.39
Open1.35
Day Range1.34 – 1.38
52-Week Range1.42 – 11.64
Volume8.19K
Market Cap75.35M
P/E (TTM)2.15
Forward P/E1.83
EPS0.67
Dividend Yield0.00%
Beta0.89
50-Day Avg2.03
200-Day Avg4.40

About

Jiayin Group Inc. provides online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers loan products with fixed terms and repayment schedules; guarantee services; referral services for investment products offered by third-party financial service providers; technology development services; and commercial services. The company was founded in 2011 and is headquartered in Shanghai, China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Dinggui Yan
  • Employees1.16K
  • HeadquartersBuilding No. 1, Shanghai, China, 200122, USA
  • Websitehttps://www.jiayintech.cn

Leadership

  • Mr. Dinggui YanFounder, Chairman & CEO · b. 1968
  • Mr. Chunlin FanChief Financial Officer · b. 1976
  • Ms. Jin ChenSenior Investment & Finance Director · b. 1988
  • Mr. Zhe WangGroup Head of Technology & Product · b. 1983
  • Ms. Bei BaiSenior Financial Controller & IR Director · b. 1984
  • Mr. Libin WangVP of Finance & Director · b. 1987

Financials

Income Statement

Currency: CNY2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue591.10M2.25B2.88B2.23B1.30B1.78B3.27B5.47B5.80B865.58M
Growth (%)-+280.79%+28.04%-22.62%-41.70%+36.94%+83.74%+67.11%+6.11%-85.08%
Cost of Revenue143.20M229.35M401.68M425.56M239.20M335.93M565.23M2.01B2.03B191.64M
Gross Profit447.90M2.02B2.48B1.80B1.06B1.44B2.71B3.46B3.77B673.94M
Gross Margin75.77%89.81%86.06%80.92%81.60%81.13%82.72%63.20%64.95%77.86%
Operating Expense960.70M1.33B1.80B1.27B758.85M1.01B1.52B2.12B2.52B423.91M
Operating Income-512.80M686.66M685.21M534.67M302.11M431.96M1.18B1.33B1.25B250.03M
Operating Margin-86.75%30.51%23.78%23.97%23.24%24.26%36.13%24.37%21.51%28.89%
EBITDA-511.68M733.22M1.16B552.38M325.26M447.63M1.19B1.34B1.27B270.47M
EBITDA Margin-86.56%32.58%40.40%24.77%25.02%25.14%36.44%24.55%21.82%31.25%
Net Income-389.75M539.54M611.76M527.75M252.88M472.09M1.18B1.30B1.06B213.64M
Net Income Margin-65.94%23.97%21.23%23.66%19.45%26.51%36.06%23.74%18.21%24.68%
R&D88.70M180.97M184.30M201.40M151.55M143.73M216.69M296.32M372.44M427.13M
R&D as % of Total Revenue15.01%8.04%6.40%9.03%11.66%8.07%6.62%5.42%6.42%49.35%
Interest Expense00047.80M132.60M1.12M153.04M---
Interest Expense % of Total Revenue0.00%0.00%0.00%2.14%10.20%0.06%4.68%---

Balance Sheet

Currency: CNY2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.03B2.53B801.88M701.07M525.37M971.43M3.02B5.64B5.41B8.76B
Total Liabilities4.59B4.46B2.45B1.44B989.14M945.68M1.78B3.26B2.28B4.32B
Total Equity-2.56B-1.93B-1.65B-741.85M-461.62M27.86M1.24B2.38B3.13B4.43B
Cash199.04M606.10M41.44M122.15M117.32M182.55M291.02M370.19M540.52M61.84M
Total Debt90.12M104.00M70.40M35.22M8.39M35.24M27.46M63.53M51.68M700.63M
Net Debt-108.92M-502.10M28.96M-86.93M-108.93M-147.31M-263.55M-306.67M-488.85M638.79M

Cash Flow

Currency: CNY2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow257.50M104.75M-228.37M26.29M-35.51M184.54M915.37M389.59M1.43B1.26B
Investing Cash Flow-89.68M61.22M-16.42M-234.18M33.23M-126.22M-157.25M-105.85M-783.52M-1.95B
Financing Cash Flow181.05M13.88M-433.60M244.67M10.60M9.94M-86.10M-193.48M-332.69M487.17M
Capital Expenditure6.74M21.74M16.89M27.61M848.00K2.77M119.69M31.54M739.13M635.08M
Free Cash Flow250.76M83.01M-245.26M-1.32M-36.35M181.77M795.68M358.05M686.36M622.27M
Dividends Paid10.6419.13400.00M002.59M0156.67M301.18M108.16M
FCF to OCF97.38%79.24%107.40%-5.01%102.39%98.50%86.92%91.90%48.15%49.49%
Dividend Paid to FCF0.00%0.00%-163.09%0.00%0.00%1.42%0.00%43.76%43.88%17.38%

Earnings

Report DateJun 11, 2019Sep 4, 2019Nov 26, 2019Dec 31, 2019Jun 11, 2020Sep 2, 2020Nov 30, 2020Dec 31, 2020Apr 9, 2021Aug 25, 2021Nov 24, 2021Mar 31, 2022Jun 8, 2022Aug 18, 2022Nov 23, 2022Mar 29, 2023Jun 8, 2023Aug 21, 2023Nov 22, 2023Mar 28, 2024Jun 6, 2024Aug 19, 2024Nov 20, 2024Mar 27, 2025Jun 4, 2025Aug 20, 2025Nov 20, 2025Mar 26, 2026Jun 23, 2026Aug 28, 2026
EPS Estimate-0.600.250.060.090.090.090.100.090.210.332.080.272.280.352.142.14--------0.000.000.00--
EPS Actual0.700.110.050.060.030.030.060.250.020.090.092.280.401.180.681.450.760.840.830.950.720.620.715.1810.119.851.030.00-0.16-0.52
Surprise--81.67%-80.00%0.00%-66.67%-66.67%-33.33%150.00%-77.78%-57.14%-72.73%9.62%48.15%-48.25%93.94%-32.24%-64.49%-------------
TimingAfter-hoursPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-market-Pre-market--Pre-market

Key Statistics & Ratios

Market Cap75.35M
Enterprise Value100.44M
Trailing P/E2.15
Forward P/E1.83
Price / Sales0.02
Price / Book0.13
EPS0.67
Book Value11.96
Revenue (TTM)4.05B
Gross Profit (TTM)2.56B
EBITDA332.28M
Profit Margin5.72%
Operating Margin-33.47%
Return on Equity5.73%
Return on Assets1.85%
Shares Outstanding25.33M
Shares Float16.78M
Beta0.89
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio121.65%

Ownership Breakdown

Institutions
2.50%
Insiders
25.48%
Retail / Other
72.02%

Top Institutional Holders

  • Renaissance Technologies Corp
    132.30K0.25%
  • Dimensional Fund Advisors, Inc.
    100.65K0.19%
  • Trexquant Investment LP
    84.78K0.16%
  • Morgan Stanley - Brokerage Accounts
    48.59K0.09%
  • Ramsey Quantitative Systems Inc
    41.39K0.08%
  • Susquehanna International Group, LLP
    33.35K0.06%
  • HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND
    26.90K0.05%
  • FLOW TRADERS U.S. LLC
    25.50K0.05%
  • American Century Companies Inc
    24.08K0.05%
  • Jane Street Group LLC
    19.03K0.04%
  • LEONTEQ SECURITIES AG
    15.00K0.03%
  • The Goldman Sachs Group Inc
    13.78K0.03%
  • Amvescap Plc.
    12.08K0.02%
  • Qube Research & Technologies
    11.63K0.02%
  • XTX Topco Ltd
    11.09K0.02%

Top Fund Holders

  • Avantis Emerging Markets Equity ETF
    22.04K0.04%
  • Dimensional Emerg Mkt Trgtd Val USD Acc
    18.93K0.04%
  • Dimensional World ex US Core Eq 2 ETF
    14.62K0.03%
  • State Street® SPDR® S&P® China ETF
    9.48K0.02%
  • Fidelity Nasdaq Composite Index
    9.01K0.02%

Dividends

20251×
0.80Jul 14, 2025
20242×
0.50Aug 27, 20240.40Jan 18, 2024
20231×
0.40Jul 27, 2023