Jiayin Group Inc. (JFIN)

Nasdaq: JFIN · Finance Services · Shanghai, CN · filing with the SEC since 2018

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Grade6.9

◀ Past 7.6● Present 7.2▶ Future 5.5

1 est.

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The grade of Jiayin Group Inc.

Nine metrics read from its own filings, by tense

Headline grade

6.9/10

◀ Past7.640% of the headline

● Present7.235% of the headline

▶ Future5.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.6/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

8.4/10

Has it survived what it has been through?

No warning events in its filings since 2018.

weight 45% of this tense · 84th percentile among 130 sector filers · read for itself

From the record

Jiayin Group Inc.'s filings since 2018 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

6.1/10

What has it actually done, year after year?

+13.6% a year over 9 filed years; profitable in 9 of 9.

weight 22% of this tense · 61st percentile among 104 sector filers · read for its customers

From the record

Jiayin Group Inc.'s 9 filed years say what it did: revenue went from CNY 2.3 billion in fiscal 2017 to CNY 6.2 billion in fiscal 2025, up 13.6% a year; it rose in 6 of 8 years; the deepest fall was 55% from fiscal 2018 to fiscal 2020; net income was positive in 9 of 9 of those years (its annual reports).

What it rests on

revenue growth over the filed span13.6%bottom 44% of its family
the share of years revenue rosetop 37% of its family
the share of filed years with a profittop 5% of its family
the deepest fall from a revenue peak54.9%bottom 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

7.4/10

How has it treated the people who own it?

Share count shrank 1.0% a year. 7% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 74th percentile among 53 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Jiayin Group Inc.'s diluted share count shrank about 1.0% a year, and dividends and buybacks returned about 7% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearstop 12% of its family
cash returned against operating cash flowtop 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.2/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

7.9/10

Is it financially healthy right now?

ROE 35%: 35¢ of profit per shareholder dollar. Leverage 49%: owes 49¢ per asset dollar.

weight 45% of this tense · 79th percentile among 117 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Jiayin Group Inc. earned about 35 cents of profit for every dollar of shareholders' money. Leverage: it owed about 49 cents per dollar of assets, and net share issuance: its share count shrank 1.7% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 50% of its family
return on equitytop 4% of its family
the share count against the year beforetop 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

7.3/10

How strong is its position in its industry?

top 27% of 114 in its family; net margin 24.7%.

weight 33% of this tense · 73rd percentile among 114 sector filers · read for its customers

From the record

Jiayin Group Inc.'s standing among 114 graded names in its industry family: revenue of CNY 6.2 billion in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of 24.7% ranks in the top 13%; revenue growth of 23.9% a year over the last 3 filed years ranks in the top 41% (its annual reports).

What it rests on

net margin24.7%top 13% of its family
three-year revenue growth23.9%top 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.5/10

What are the people in charge doing?

SI estimate 5.5/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 74 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 74 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Jiayin Group Inc.'s leadership is put at 5.5 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.5/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

4.5/10

How much room does it have to grow?

bottom 45% of 108 in its family for room to expand.

weight 33% of this tense · 45th percentile among 108 sector filers · read for itself

From the record

Jiayin Group Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of CNY 475 million against debt of CNY 671 million leaves -2.2% of its assets as net cash, bottom 19% of its family; cash from operations less capital spending is 10% of revenue (top 23%); research spending of 6.9% of revenue (bottom 38%) (its annual report).

What it rests on

cash less debt against assets-2.2%bottom 19% of its family
cash from operations less capital spending against revenue10.0%top 23% of its family
research spending against revenue6.9%bottom 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

7.1/10

What could actually drive growth from here?

top 29% of 100 in its family for growth drivers.

weight 33% of this tense · 71st percentile among 100 sector filers · read for its customers

From the record

Jiayin Group Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 23.9% a year over the last three filed years against 13.6% over all 9, speeding up (top 17% of its family); the newest year grew 7.3% (bottom 41%); research spending grew 25.4% a year (top 30%); capital spending grew 231.2% a year (top 9%) (its annual reports). Jiayin Group Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span+10.3 points a yeartop 17% of its family
the newest year's revenue growth7.3%bottom 41% of its family
three-year growth of research spending25.4%top 30% of its family
three-year growth of capital spending231.2%top 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

5.0/10

Did its newest year beat what its own record pointed to?

top 50% of 78 in its family for expectations against reality.

weight 33% of this tense · 50th percentile among 78 sector filers · read for its shareholders

From the record

Jiayin Group Inc.'s newest year against its own record: revenue of CNY 6.2 billion in fiscal 2025 came in 19.4% below the CNY 7.7 billion its prior three years' pace pointed to (bottom 33% of its family); net income of CNY 1.5 billion against a prior three-year average of CNY 1.2 billion (top 36%); a net margin of 24.7% against 26% before (top 46%) (its annual reports).

What it rests on

revenue against the prior three years' pace-19.4%bottom 33% of its family
net income against the prior three years' average+30%top 36% of its family
net margin against its prior average-1.3 pointstop 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton JFIN · research, not advice