Jiayin Group Inc.
JFIN · Finance Services · EDGAR filings ↗
Grade
B80Highly profitable Chinese fintech with top-decile returns and strong cash generation, capped by VIE and China-governance risk.
Strengths
- Top-decile returns: ROA 97.6th pct, ROIC 91.7th, ROE 88.3rd, with operating margin 90.6th pct
- Strong cash generation — FCF 93.8th pct and OCF margin 82.4th, low leverage (D/E 30th pct)
Risks
- VIE structure with accumulated VIE deficits and reliance on PRC dividend remittance
- Modest revenue growth (47th pct) and China regulatory/currency-transfer overhang
Key metrics
Operating margin
28.9%
Net margin
24.7%
Return on equity
34.6%
Return on assets
17.5%
ROIC
27.8%
Revenue growth (QoQ)
12.0%
Net-income growth
51.7%
Debt / equity
0.2×
Net debt / EBITDA
0.2×
Current ratio
1.9×
Free cash flow
$89M
EBITDA
$267M
Tangible book value
$634M
Cash & investments
$52M
Stock comp / revenue
2.5%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-23 | Wang Zhe (Maik) | Grant | 160K | — |
| 2026-06-23 | Xu Yifang | Grant | 1.0M | — |
| 2026-06-23 | Fan Chunlin | Grant | 240K | — |
All non-derivative Form 4 activity (SEC), newest first.
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 20-F | 2026-04-28 | 2025-12-31 | 0001193125-26-183485 ↗ |
| 20-F | 2025-04-28 | 2024-12-31 | 0000950170-25-058942 ↗ |
| 20-F | 2024-04-29 | 2023-12-31 | 0000950170-24-049940 ↗ |
| 20-F | 2023-04-28 | 2022-12-31 | 0000950170-23-015507 ↗ |
| 20-F | 2022-04-29 | 2021-12-31 | 0001564590-22-016852 ↗ |
| 20-F | 2021-04-30 | 2020-12-31 | 0001564590-21-022515 ↗ |
| 20-F | 2020-04-30 | 2019-12-31 | 0001193125-20-128799 ↗ |