Jiayin Group vs Yiren Digital
Jiayin Group and Yiren Digital are similar in size: $866m and $796m of revenue in their latest fiscal years. Jiayin Group grew faster (7.4% against -1.4%). Jiayin Group kept more of each dollar of sales as profit: a net margin of 24.7% against 1.0%.
| Latest fiscal year | Jiayin GroupJFIN, 2025 | Yiren DigitalYRD, 2025 |
|---|---|---|
| Revenue | $866m | $796m |
| Revenue growth | 7.4% | -1.4% |
| Net income | $214m | $7.6m |
| Operating margin | 28.9% | — |
| Net margin | 24.7% | 1.0% |
| Return on equity | 40.2% | 0.6% |
| Free cash flow | $86.6m | $94.3m |
| Cash | $8.8m | $479m |
| Total debt | $106m | $1.3m |
| Debt to equity | 16.7% | — |
| Dividend per share | — | — |
| Dividend yield | — | 105.4% |
| Share buybacks | $15.4m | $31,030 |
| Employees | — | — |
| Market value | $80.9m | $32.7m |
| Price vs our value range | — | — |
| Moat score | — | — |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |