profit from every $100 of sales.
$0$100
Jiayin Group
$1.37-1.44% today
-84.6% in 1 year
1-year low $1.211-year high $8.88
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Jiayin Group sold, what it kept, and what it did with the cash.
Sales went from CN¥3.27 billion in 2022 to CN¥6.22 billion in 2025, with CN¥1.54 billion of profit last year.
SalesProfit
Jiayin Group handed back 35% of the cash it generated last year.
Buybacks CN¥111MCN¥108M
Free cash flow 2025CN¥622M
Bought back its own sharesCN¥111M
Paid as dividendsCN¥108M
Cash vs. debtCN¥62M vs. CN¥701M
Jiayin Group vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Jiayin Group | No profit yet | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads Jiayin Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 3,271 | 5,467 | 5,801 | 6,222 | |
| 2,706 | 3,455 | 3,768 | 4,986 | |
| 1,182 | 1,332 | 1,248 | 1,797 | |
| 1,192 | 1,342 | 1,266 | 1,868 | |
| 1,180 | 1,298 | 1,056 | 1,536 | |
| 21.92 | 24.24 | 19.88 | – | |
| 82.7% | 63.2% | 64.9% | 80.1% | |
| 36.1% | 24.4% | 21.5% | 28.9% | |
| 36.1% | 23.7% | 18.2% | 24.7% |
Balance sheet
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,021 | 5,645 | 5,410 | 8,756 |
| Cash | 291 | 370 | 541 | 62 |
| Total debt | 27 | 48 | 52 | 701 |
| Total liabilities | 1,779 | 3,264 | 2,282 | 4,325 |
| 1,243 | 2,382 | 3,129 | 4,433 | |
| 54 | 53 | 53 | – | |
| 73.5% | 43.3% | 31.0% | 27.7% | |
| 94.9% | 54.5% | 33.8% | 34.6% |
Cash flow
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 134 | 390 | 1,425 | 1,257 | |
| 17 | 32 | 739 | 635 | |
| 116 | 358 | 686 | 622 | |
| Dividends paid | 0 | 157 | 301 | 108 |
| 15 | 38 | 53 | 111 | |
| 43 | 54 | 59 | 158 |
Valuation
- –
- 0.1×
- –
- 0.1×
- –
- –
- –
- –
- –
- 17.8%
Profitability
- 80.1%
- 28.9%
- 24.7%
- 29.0%
- 28.4%
- 45.0%
- 37.7%
- 17.5%
- 35.4%
- 4.9%
Growth
- +23.9%
- –
- −9.3%
- –
- −1.0%
Financial health
- 0.3×
- 0.16
- 8.0%
- –
- 1.88
- 1.88
- 0.71
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 4%of 758
Top 35%of 605
Top 22%of 880
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Mar 31, 2026 | 0.28 | 0.17 | +64.0% |
| Nov 25, 2025 | 1.04 | – | – |
| Aug 20, 2025 | 1.36 | – | – |
| Jun 4, 2025 | 1.40 | – | – |
| Mar 27, 2025 | 0.72 | – | – |
| Nov 20, 2024 | 0.72 | – | – |
| Aug 27, 2024 | 0.60 | – | – |
| Jun 6, 2024 | 0.72 | – | – |
17.8%of the share price, paid each year
On $1,000 invested$178a year at today's yield, before tax
–per share
Raised–not every year
Paid per share, each year
$0.38 in 2023 → $0.80 in 2025
How safe it looks
7.0% of its profit
Room to growStretchedMore than it earns: 17.4%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
68Pass
Benjamin Graham
93Pass
Philip Fisher
78Pass
Peter Lynch
100Pass
Joel Greenblatt
56No pass
Charlie Munger
85Pass
Terry Smith
76Pass
Questions about Jiayin Group
Is Jiayin Group a good stock to buy?
A strong, very profitable business that is not profitable yet. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Jiayin Group AI analysis
What does Jiayin Group do?
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 is in Credit Services.
Does Jiayin Group pay a dividend?
Yes. At today's price the dividend is 17.8% a year, about 7% of its yearly profit. In 2025 it paid out $108 million in dividends.
Is Jiayin Group stock halal?
No. Jiayin Group does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Jiayin Group stock done over the past year?
Down 84.6% over the past twelve months, to $1.37. It traded between $1.21 and $8.88 and is 84.6% below its high.
Who are Jiayin Group's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Jiayin Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.