Jiayin Group Inc. key statistics and ratios

In fiscal 2025, Jiayin Group Inc. had return on equity of 40.2%, an operating margin of 28.9%, debt equal to 16.7% of equity and a current ratio of 1.88. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Jiayin Group Inc.: financial ratios, annual
Fiscal year	2017Dec 2017	2018Dec 2018	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025
Operating margin	30.5%	23.8%	24.0%	23.2%	24.3%	36.1%	24.4%	21.5%	28.9%
Net margin	24.0%	21.2%	23.7%	19.5%	26.5%	36.1%	23.7%	18.2%	24.7%
Free-cash-flow margin	3.7%	−8.5%	−0.1%	−2.8%	10.2%	3.5%	6.5%	11.8%	10.0%
Return on equity	—	—	—	—	—	190.3%	71.1%	38.4%	40.2%
Return on assets	—	79.5%	70.3%	40.5%	62.8%	59.5%	29.7%	19.1%	21.4%
Asset turnover	—	3.74	2.97	2.08	2.37	1.65	1.25	1.05	0.87
Current ratio	—	—	—	—	—	—	—	1.98	1.88
Debt to equity	—	—	—	—	0.0%	0.0%	0.0%	0.0%	16.7%
Effective tax rate	23.1%	13.3%	6.6%	29.7%	21.5%	11.7%	16.0%	18.4%	18.0%
R&D as % of revenue	8.0%	6.4%	9.0%	11.7%	8.1%	6.6%	5.4%	6.4%	6.9%
Capital spending as % of revenue	1.0%	0.6%	1.2%	0.1%	0.2%	0.5%	0.6%	12.7%	10.2%
Free cash flow ÷ net income	15.4%	−40.1%	−0.2%	−14.4%	38.5%	9.8%	27.6%	65.0%	40.5%
Dividends ÷ net income	—	65.4%	—	—	—	—	—	—	—
Dividends and buybacks ÷ free cash flow	—	—	—	—	—	12.7%	10.6%	7.8%	17.8%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Jiayin Group Inc.'s SEC filings (10-K and 10-Q). How we read and check them: methodology and data sources. Not investment advice. Back to Jiayin Group Inc.