Stocktoria
Jiayin Group Inc. JFIN
Nasdaq · XNAS · stock · Finance Services · website · IPO 2019-05-10
Chart by TradingView
3/9
Piotroski F — financial health
6.18
Altman Z″ — distress risk · safe
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $889.8M | $794.7M | $770.0M | $474.3M | $279.4M |
| Operating income | $257.0M | $171.0M | $187.7M | $171.4M | $67.8M |
| Net income | $219.6M | $144.7M | $182.8M | $171.0M | $74.1M |
| Operating cash flow | $179.8M | $195.3M | $54.9M | $19.4M | $29.0M |
| Free cash flow | $89.0M | $94.0M | $50.4M | $16.8M | $28.5M |
| Total assets | $1.3B | $741.2M | $795.0M | $438.0M | $152.4M |
| Total liabilities | $618.4M | $312.7M | $459.8M | $258.0M | $148.4M |
| Shareholders' equity | $633.7M | $428.5M | $335.5M | $180.0M | $4.0M |
| Ratios | |||||
| Operating margin | 28.9% | 21.5% | 24.4% | 36.1% | 24.3% |
| Net margin | 24.7% | 18.2% | 23.7% | 36.1% | 26.5% |
| FCF margin | 10.0% | 11.8% | 6.5% | 3.5% | 10.2% |
| Return on assets | 17.5% | 19.5% | 23.0% | 39.1% | 48.6% |
| Return on equity | 34.7% | 33.8% | 54.5% | 95.0% | 1833.2% |
| Debt / equity | 0.12× | — | — | — | — |
| Current ratio | 1.88 | 1.98 | — | — | — |
| Revenue growth | 12.0% | 3.2% | 62.3% | 69.8% | 40.2% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 132,300 | $554,337 |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: 6.18 (safe)
- Working capital / assets 0.37
- Retained earnings / assets 0.398
- EBIT / assets 0.205
- Equity / liabilities 1.025
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001743102 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.