Jiayin Group Inc ADR Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $889.8M+12.0% YoYTTM through 31 Dec 2025
Net Income $219.6M+51.7% YoYTTM through 31 Dec 2025
Free Cash Flow $89MTTM through 31 Dec 2025
Margins
| Current | |
|---|---|
| Operating Margin | 28.9% |
| Net Margin | 24.7% |
Returns
34.6%ROE
17.5%ROA
28.0%ROIC
Balance Sheet Health
Debt / Equity0.16x
Current Ratio1.88x
Net Debt$149.6M
Cash & Equivalents$8.8M
Quality Metrics
Altman Z-Score2.47
Piotroski F-Score3 / 9
FCF Margin10.0%
Earnings-Beat Rate25.0%
Multi-Year Trend
RevenueFY2025: $6.2B
Diluted EPS$1.05TTMFY2025: $1.05
Dividend
$0.80Per share, FY202536.57%Yield1 yrsStreak
Capital Allocation
R&D Spend$61.1M
Capex Intensity10.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Chinese Mainland Loan Facilitation |
Financials converted at 6.9961 from RMB.
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