Company Analysis

Jiayin Group Inc. (JFIN)

Nasdaq: JFIN · Finance Services · Shanghai, CN · filing with the SEC since 2018
Grade6.9
◀ Past 7.6● Present 7.2▶ Future 5.5
1 est.

Income statement, as filed

In thousands of Chinese yuan (CNY), as filed; per-share figures in Chinese yuan; share counts. The fiscal year ends in December.
Income statement, by fiscal year, newest first
Fiscal yearFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017
Period endingDec 31, 2025Dec 31, 2024Dec 31, 2023Dec 31, 2022Dec 31, 2021Dec 31, 2020Dec 31, 2019Dec 31, 2018Dec 31, 2017
Report filedApr 28, 2026Apr 28, 2025Apr 29, 2024Apr 28, 2023Apr 29, 2022Apr 30, 2021Apr 30, 2020··
Revenue6,222,1905,801,0325,466,8733,271,4141,780,4901,300,1602,230,1762,881,9402,250,850
For lenders
Provision for credit losses-865-5,9577,2070·····
Research and development427,125372,441296,317216,694143,733151,550201,404184,302180,967
Sales and marketing2,427,9791,913,8681,538,9131,081,382659,291375,063606,049726,582884,866
General and administrative302,470220,993214,856194,039165,150154,963230,248150,46595,597
Total costs and expenses4,424,8614,553,0174,134,4032,089,3951,348,534998,0531,695,5072,196,7341,564,189
Operating income1,797,3291,248,0151,332,4701,182,019431,956302,107534,669685,206686,661
Interest and investment income·····7,7165,7201691,922
Interest income (expense), net8,94518,28112,895281-1,1177,7165,720··
Share of profit of equity-method investments··-1,9907,9407,651-7,509378··
Other income (expense), net67,11195,42614,83443,44716,9526,71123,42520,29812,609
Income before income taxes1,873,3851,295,3681,547,1821,327,690585,834366,386563,814705,673701,192
Income tax expense337,652238,900247,616155,398125,724108,81137,00793,915161,647
Income from continuing operations······378··
Net income including non-controlling interests1,535,7331,056,4681,297,5761,180,232467,761250,066527,185611,758539,545
Net income to non-controlling interests-9-10-43574-4,325-2,817-562··
Net income1,535,7421,056,4781,297,6191,179,658472,086252,883527,747611,758539,545
Earnings per share, basic7.354.976.065.482.181.172.513.062.70
Earnings per share, diluted7.354.976.065.482.181.172.513.062.70
Earnings per share, basic and diluted····2.181.172.513.062.70
Weighted average shares, basic208,900,211212,433,169213,996,233215,259,640216,100,000216,100,000210,409,863200,000,000200,000,000
Weighted average shares, diluted208,900,211212,433,169213,996,233215,259,640216,100,000216,100,000210,409,863200,000,000200,000,000
Weighted average shares, basic and diluted····216,100,000216,100,000210,409,863200,000,000200,000,000
As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. r restated by the company in a later report; b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.
What each line is, and the XBRL concept behind it
Revenue what customers paid for what it soldus-gaap:Revenues
Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLossesExpensed
Research and development spent on inventing what it sells nextus-gaap:ResearchAndDevelopmentExpense
Sales and marketing the cost of finding and serving customersus-gaap:SellingAndMarketingExpense
General and administrative the cost of running the company itselfus-gaap:GeneralAndAdministrativeExpense
Total costs and expenses every operating cost, the cost of revenue includedus-gaap:CostsAndExpenses
Operating income profit from running the business, before interest and taxus-gaap:OperatingIncomeLoss
Interest and investment income what its cash and investments earnedus-gaap:InvestmentIncomeInterest
Interest income (expense), net interest earned less interest paid, outside the businessus-gaap:InterestIncomeExpenseNonoperatingNet
Share of profit of equity-method investments its share of companies it partly ownsus-gaap:IncomeLossFromEquityMethodInvestments
Other income (expense), net gains and costs outside the businessus-gaap:OtherNonoperatingIncomeExpense
Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit
Income from continuing operations profit from the businesses it keepsus-gaap:IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest
Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss
Net income to non-controlling interests the share that belongs to minority holdersus-gaap:NetIncomeLossAttributableToNoncontrollingInterest
Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss
Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic
Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted
Earnings per share, basic and diluted net income per share, where both counts are the sameus-gaap:EarningsPerShareBasicAndDiluted
Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic
Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding
Weighted average shares, basic and diluted the average count, where both counts are the sameus-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted
SI Assistanton JFIN · research, not advice