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JFIN Financials Jiayin Group Inc.

7 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 34.9% per year over the past 5 years.
  • Net income has grown faster than revenue (41.5% vs 34.9% per year).
  • Operating margin has expanded, at 28.9% in the latest year.

Financial health

  • Total debt ($741M) exceeds cash ($9M); net debt is $733M.
  • Total debt is 2.8× EBITDA.
Revenue & net income
$0 $445M $890M 2019 2020 2021 2022 2023 2024 2025
RevenueNet income
Margins (gross / operating / net)
0% 18% 36% 2019 2020 2021 2022 2023 2024 2025
GrossOperatingNet
Free cash flow (CFO − capex)
-$6M $44M $94M $0 2019 2020 2021 2022 2023 2024 2025
Free cash flow
Cash vs total debt
$0 $371M $741M 2019 2020 2021 2022 2023 2024 2025
CashTotal debt
Cash flow: operating / investing / financing
-$278M -$42M $195M $0 2019 2020 2021 2022 2023 2024 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $890M $220M 0.0% 28.9% $89M $741M $9M
2024 $795M $145M 0.0% 21.5% $94M $74M
2023 $770M $183M 0.0% 24.4% $50M $52M
2022 $474M $171M 0.0% 36.1% $17M $42M
2021 $279M $74M 0.0% 24.3% $29M $29M
2020 $199M $39M 0.0% 23.2% -$6M $18M
2019 $320M $76M 0.0% 24.0% -$189000 $18M

Valuation over time

How the market has priced JFIN against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 11.3 22.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 2.1 4.1 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S

Frequently asked questions

Is JFIN growing its revenue and profit?

Over the past 5 years, Jiayin Group Inc.'s revenue has grown 34.9% per year, and net income grown 41.5% per year. These are computed facts, not advice.

How much debt does JFIN have?

As of FY2025, Jiayin Group Inc. reported $741M of total debt against $9M of cash.

What is JFIN's profit margin?

In FY2025, gross margin was —, operating margin 28.9%, and net margin 24.7%.

What is JFIN's P/E ratio?

As of Jun '26, Jiayin Group Inc. traded at a price-to-earnings ratio of about 2.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.