Jiayin Group vs Lufax Holding
Jiayin Group and Lufax Holding are similar in size: $866m and $778m of revenue in their latest fiscal years. Jiayin Group grew faster (7.4% against -31.4%). Jiayin Group kept more of each dollar of sales as profit: a net margin of 24.7% against -37.5%. Jiayin Group carries less debt relative to equity (16.7% against 79.6%).
| Latest fiscal year | Jiayin GroupJFIN, 2025 | Lufax HoldingLU, 2025 |
|---|---|---|
| Revenue | $866m | $778m |
| Revenue growth | 7.4% | -31.4% |
| Net income | $214m | −$292m |
| Operating margin | 28.9% | — |
| Net margin | 24.7% | -37.5% |
| Return on equity | 40.2% | -2.6% |
| Free cash flow | $86.6m | — |
| Cash | $8.8m | $1.59bn |
| Total debt | $106m | $9.09bn |
| Debt to equity | 16.7% | 79.6% |
| Dividend per share | — | — |
| Dividend yield | — | 0.0% |
| Share buybacks | $15.4m | — |
| Employees | — | — |
| Market value | $80.9m | $7.09bn |
| Price vs our value range | — | — |
| Moat score | — | — |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |