Jiayin Group vs Oportun Financial
Jiayin Group and Oportun Financial are similar in size: $866m and $957m of revenue in their latest fiscal years. Jiayin Group grew faster (7.4% against -4.5%). Jiayin Group kept more of each dollar of sales as profit: a net margin of 24.7% against 2.6%. Jiayin Group carries less debt relative to equity (16.7% against 68.8%).
| Latest fiscal year | Jiayin GroupJFIN, 2025 | Oportun FinancialOPRT, 2025 |
|---|---|---|
| Revenue | $866m | $957m |
| Revenue growth | 7.4% | -4.5% |
| Net income | $214m | $25.2m |
| Operating margin | 28.9% | — |
| Net margin | 24.7% | 2.6% |
| Return on equity | 40.2% | 6.8% |
| Free cash flow | $86.6m | $413m |
| Cash | $8.8m | $106m |
| Total debt | $106m | $268m |
| Debt to equity | 16.7% | 68.8% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $15.4m | — |
| Employees | — | — |
| Market value | $80.9m | $462m |
| Price vs our value range | — | — |
| Moat score | — | 32 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 10 sales |