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Jiayin Group Inc.

Jiayin Group Inc.

NASDAQ•JFIN
CEO: Mr. Dinggui Yan
Sector: Communication Services
Industry: Internet Content & Information
Listing Date: 2019-05-10
Jiayin Group Inc., together with its subsidiaries, 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 referral services for investment products offered by the financial service providers; and technology development and services, as well as guarantee services. The company was founded in 2011 and is headquartered in Shanghai, the People's Republic of China. Jiayin Group Inc. operates as a subsidiary of New Dream Capital Holdings Limited.
Contact Information
Building No. 1, 18th Floor Youyou Century Plaza 428 South Yanggao Road, Pudong New Area, Shanghai, 200122, China
86-21-6190-6826
www.jiayinfintech.cn
Market Cap
$357.58M
P/E (TTM)
1.5
30.9
Dividend Yield
11.3%
52W High
$19.23
52W Low
$5.78
52W Range
9%
Rank25Top 8.6%
6.0
F-Score
Modified Piotroski Analysis
Based on 9-year fundamentals
Strong • 6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2024

Financial Dashboard

Q3 2025 Data

Revenue

$205.45M+1.75%
4-Quarter Trend

EPS

$1.03+44.88%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2024 Annual Earnings Highlights

Key Highlights

Net Revenue Increased 6.1% Net revenue reached RMB 5.80B (US$ 794.7M) in 2024, reflecting 6.1% growth driven by loan facilitation volume.
Loan Facilitation Volume Up Facilitated loan volume grew 14.4% to RMB 100.8B (US$ 13.8B) in 2024, supported by 48 funding partners.
Cash Position Significantly Improved Cash and equivalents totaled RMB 677.9M (US$ 92.9M) by year-end 2024, up from RMB 372.6M in 2023.
Dividend Payout Policy Adjusted Board approved increasing annual dividend target to around 30% of net income after tax starting in fiscal year 2025.

Risk Factors

M3+ Delinquency Rate Increased M3+ delinquency rate (over 180 days) rose to 2.36% in 2024 from 2.07% in 2023, signaling potential credit stress.
Evolving PRC Regulatory Environment Complex and evolving PRC laws regarding data security and overseas listings pose material risks to operations and viability.
Contractual Arrangements Not Tested Reliance on untested VIE contractual arrangements creates severe penalties risk if PRC government deems structure non-compliant.
Net Income Declined 21.7% Net income fell to RMB 1.06B (US$ 144.7M) in 2024, down from RMB 1.30B in 2023, impacting profitability.

Outlook

Develop Institutional Funding Partners Expect to further develop cooperation with institutional funding partners in 2025 to support platform growth and revenue.
Maintain High-Quality User Experience Strategy focuses on maintaining platform security, navigating regulations, and enhancing user experience to retain borrowers.
Integrate New Shanghai Headquarters Completed purchase of new Shanghai headquarters property for RMB 1.35B using cash on hand, impacting liquidity.

Peer Comparison

Revenue (TTM)

Advantage Solutions Inc.ADV
$3.50B
-6.7%
Gray Media, Inc.GTN
$3.35B
-3.3%
Gannett Co., Inc.GCI
$2.34B
-8.6%

Gross Margin (Latest Quarter)

Gray Media, Inc.GTN
96.4%
+66.5pp
Angi Inc.ANGI
90.8%
-4.2pp
Jiayin Group Inc.JFIN
80.5%
+9.5pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
NN$2.16B-14.24859.9%93.4%
TBLA$1.16B48.12.6%11.0%
GCI$831.16M8.452.4%60.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.7%
Moderate Growth
4Q Net Income CAGR
11.1%
Profitability Improving
Cash Flow Stability
0%
Cash Flow Needs Attention

Research & Insights

Next earnings:Mar 25, 2026
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EPS:-
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Revenue:-
Reports
All Years

  • Form 20-F - FY 2024

    Period End: Dec 31, 2024|Filed: Apr 28, 2025|
    Revenue: $806.22M+6.1%
    |
    EPS: $2.76-18.0%
    N/A

  • Form 20-F - FY 2023

    Period End: Dec 31, 2023|Filed: Apr 29, 2024|
    Revenue: $772.03M+67.1%
    |
    EPS: $3.42+10.6%
    Beat

  • Form 20-F - FY 2022

    Period End: Dec 31, 2022|Filed: Apr 28, 2023|
    Revenue: $485.98M+83.7%
    |
    EPS: $3.26+150.2%
    Beat

  • Form 20-F - FY 2021

    Period End: Dec 31, 2021|Filed: Apr 29, 2022|
    Revenue: $276.04M+36.9%
    |
    EPS: $1.36+87.2%
    Beat

  • Form 20-F - FY 2020

    Period End: Dec 31, 2020|Filed: Apr 30, 2021|
    Revenue: $188.45M-41.7%
    |
    EPS: $0.68-53.4%
    Beat