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Jiayin Group Inc. (NASDAQ:JFIN)
CN · Delayed Price · Currency is USD
Financial Services · Financial - Credit Services
1.72+0.47 (+37.60%)
Market cap
$88.3M
Insider Score
Health Score
Analyst consensus
Listed since
May 10, 2019
Website
Insider Score
––Not scored
JFIN Insider Score
No insider has filed an open-market purchase or sale here in the last 90 days, so there is nothing to score yet.
Financial Health Score
Sound
From JFIN’s reported statements · Q2 2026 (trailing 12 months)
Profitability13 / 20
Profitable, but on a thin margin.
- Revenue
- $4.03B
- Net income
- $230.9M
- Net margin
- 5.7%
Leverage18 / 20
Little or no net debt.
- Total debt
- $636.9M
- Cash
- $504.0M
- Net debt / EBITDA
- 0.48x
Liquidity17 / 20
Comfortably covers what is due within a year.
- Current assets
- $6.61B
- Current liabilities
- $3.68B
- Current ratio
- 1.79
Cash generation11 / 20
Roughly cash-neutral.
- Operating cash flow
- $0
- Free cash flow
- $0
- FCF margin
- 0.0%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 52.4M
- Share growth (1y)
- -0.6%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
JFIN Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 736.88 M | 752.10 M | 1.08 B | 1.47 B | 1.89 B | 1.78 B |
| Revenue Growth (YoY) | -60.93 % | -57.64 % | -23.45 % | 1.75 % | 27.76 % | 20.35 % |
| Cost of Revenue | 549.34 M | 329.59 M | 323.65 M | 286.49 M | 285.08 M | 336.01 M |
| Gross Profit | 187.54 M | 422.51 M | 751.50 M | 1.18 B | 1.60 B | 1.44 B |
| SG&A Expense | 288.65 M | 384.25 M | 565.51 M | 616.61 M | 821.05 M | 727.29 M |
| R&D Expense | 94.23 M | 0.00 | 121.92 M | 108.68 M | 108.44 M | 88.09 M |
| Operating Expenses | 434.20 M | 492.15 M | 658.16 M | 726.78 M | 962.02 M | 832.92 M |
| Operating Income | -246.65 M | -69.64 M | 93.34 M | 456.93 M | 639.10 M | 606.65 M |
| Pretax Income | -218.79 M | -69.00 M | 99.77 M | 465.83 M | 643.18 M | 663.21 M |
| Tax Provision | 35.23 M | -7.71 M | 524.65 K | 89.34 M | 124.05 M | 123.73 M |
| Net Income | -183.55 M | -61.28 M | 99.24 M | 376.49 M | 519.14 M | 539.48 M |
| EPS (Basic) | -3.48 | -1.16 | 1.96 | 7.36 | 9.84 | 10.12 |
| EPS (Diluted) | -3.48 | -1.16 | 1.96 | 7.36 | 9.84 | 10.12 |
| Shares Outstanding | 52.40 M | 52.33 M | 51.54 M | 51.31 M | 52.70 M | 53.37 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.