Jiayin Group (JFIN) Stock Price

Jiayin Group Price

NASDAQ·CLOSED
15.51CNY+0.12 (+0.77 %)
Market closed

Over the last 8 years Jiayin Group grew revenue by 33.0% annually, reaching 5.80 B CNY. Earnings per share have grown at 10.2% per year over the last 7 years. For Jiayin Group, the net margin of 18.2% is down versus 19.5% a few years ago. At today's price the dividend yield works out to roughly 5.80%. The payout ratio is around 122% of earnings. The consensus 12-month price target for Jiayin Group is 82.66 CNY, about 432.8% above where the stock trades today. Of 7 analysts, 6 rate the stock a buy — an overall Buy consensus.

Jiayin Group stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Jiayin Group over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Jiayin Group stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Jiayin Group's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Jiayin Group Stock Price History
DateJiayin Group Price
8/18/202615.51 CNY
8/14/202615.40 CNY
8/13/202615.53 CNY
8/12/202615.59 CNY
8/10/202616.79 CNY
8/7/202617.64 CNY
8/6/202617.26 CNY
8/5/202617.96 CNY
8/4/202615.94 CNY
7/17/202616.88 CNY
7/15/202617.68 CNY
6/29/202620.72 CNY
6/26/202620.46 CNY
6/11/202626.70 CNY
6/10/202627.06 CNY
6/5/202625.98 CNY
6/4/202627.30 CNY
6/3/202627.28 CNY
6/2/202628.20 CNY
6/1/202629.43 CNY
5/29/202629.30 CNY
5/28/202628.75 CNY
5/27/202630.25 CNY
5/26/202628.43 CNY
5/22/202627.05 CNY
5/21/202629.66 CNY
5/20/202629.93 CNY
5/19/202629.33 CNY
5/14/202630.77 CNY
5/12/202633.21 CNY
5/11/202633.82 CNY
5/8/202633.71 CNY
5/7/202633.70 CNY
5/6/202633.74 CNY
5/5/202633.53 CNY
5/4/202633.67 CNY
5/1/202632.71 CNY
4/30/202632.30 CNY
4/29/202631.34 CNY
4/28/202632.23 CNY
4/27/202631.62 CNY
4/24/202631.89 CNY
4/23/202631.69 CNY
4/22/202632.78 CNY
4/21/202631.28 CNY
4/20/202631.69 CNY
4/17/202631.96 CNY
4/16/202632.17 CNY
4/15/202630.93 CNY
4/14/202630.25 CNY
4/13/202629.15 CNY
4/10/202628.67 CNY
4/9/202628.54 CNY
4/8/202629.98 CNY
4/7/202629.29 CNY
4/6/202629.91 CNY
4/2/202628.67 CNY
4/1/202627.10 CNY
3/31/202628.67 CNY
3/30/202632.71 CNY
3/27/202633.26 CNY
3/26/202633.05 CNY
3/25/202637.02 CNY
3/24/202635.79 CNY
3/23/202635.93 CNY
3/20/202636.89 CNY
3/19/202638.60 CNY
3/18/202640.07 CNY
3/17/202641.75 CNY
3/16/202641.20 CNY
3/13/202640.24 CNY
3/12/202641.40 CNY
3/11/202642.98 CNY
3/10/202642.46 CNY
3/9/202642.23 CNY
3/6/202642.98 CNY
3/5/202642.70 CNY
3/4/202642.84 CNY
3/3/202641.61 CNY
3/2/202644.14 CNY
2/27/202644.35 CNY
2/26/202645.31 CNY
2/25/202645.72 CNY
2/24/202645.03 CNY
2/23/202643.80 CNY
2/20/202644.83 CNY
2/19/202643.73 CNY
2/18/202643.73 CNY
2/17/202642.09 CNY
2/13/202642.64 CNY
2/12/202642.84 CNY
2/11/202643.32 CNY
2/10/202643.66 CNY
2/9/202644.83 CNY
2/6/202643.32 CNY
2/5/202641.34 CNY
2/4/202644.07 CNY
2/3/202644.55 CNY
2/2/202645.37 CNY
1/30/202645.17 CNY
1/29/202647.08 CNY
1/28/202647.70 CNY
1/27/202648.86 CNY
1/26/202647.43 CNY
1/23/202648.18 CNY
1/22/202648.38 CNY
1/21/202647.02 CNY
1/20/202645.99 CNY
1/16/202646.47 CNY
1/15/202647.97 CNY
1/14/202646.13 CNY
1/13/202647.91 CNY
1/12/202648.18 CNY
1/9/202647.36 CNY
1/8/202646.33 CNY
1/7/202645.65 CNY
1/6/202644.69 CNY
1/5/202645.03 CNY
1/2/202641.20 CNY
12/31/202539.69 CNY
12/30/202540.79 CNY
12/29/202539.90 CNY
12/26/202542.43 CNY
12/24/202543.32 CNY
12/23/202545.17 CNY
12/22/202545.65 CNY
12/19/202545.31 CNY
12/18/202545.99 CNY
12/17/202544.07 CNY
12/16/202544.89 CNY
12/15/202544.96 CNY
12/12/202547.70 CNY
12/11/202546.06 CNY
12/10/202546.13 CNY
12/9/202547.36 CNY
12/8/202547.84 CNY
12/5/202549.27 CNY
12/4/202549.07 CNY
12/3/202547.50 CNY
12/2/202546.26 CNY
12/1/202546.06 CNY
11/28/202548.80 CNY
11/26/202549.27 CNY
11/25/202550.71 CNY
11/24/202549.41 CNY
11/21/202550.92 CNY
11/20/202552.49 CNY
11/19/202555.16 CNY
11/18/202559.33 CNY
11/17/202559.75 CNY
11/14/202559.68 CNY
11/13/202560.77 CNY
11/12/202562.69 CNY
11/11/202563.92 CNY
11/10/202564.06 CNY
11/7/202561.73 CNY
11/6/202560.36 CNY
11/5/202561.32 CNY
11/4/202560.57 CNY
11/3/202564.19 CNY
10/31/202564.67 CNY
10/30/202558.99 CNY
10/29/202558.79 CNY
10/28/202561.32 CNY
10/27/202568.44 CNY
10/24/202568.92 CNY
10/23/202567.75 CNY
10/22/202567.68 CNY
10/21/202568.23 CNY
10/20/202566.93 CNY
10/17/202566.04 CNY
10/16/202566.45 CNY
10/15/202568.85 CNY
10/14/202569.94 CNY
10/13/202570.28 CNY
10/10/202570.15 CNY
10/9/202574.46 CNY
10/8/202577.54 CNY
10/7/202575.69 CNY
10/6/202577.40 CNY
10/3/202577.88 CNY
10/2/202577.95 CNY
10/1/202574.32 CNY
9/30/202570.63 CNY
9/29/202570.18 CNY
9/26/202571.72 CNY
9/25/202573.36 CNY
9/24/202576.10 CNY
9/23/202576.72 CNY
9/22/202575.01 CNY
9/19/202575.28 CNY
9/18/202576.38 CNY
9/17/202577.54 CNY
9/16/202574.66 CNY
9/15/202574.87 CNY
9/12/202575.35 CNY
9/11/202574.12 CNY
9/10/202573.57 CNY
9/9/202574.32 CNY
9/8/202575.90 CNY
9/5/202579.39 CNY
9/4/202583.70 CNY
9/3/202584.66 CNY
9/2/202584.49 CNY
8/29/202586.09 CNY
8/28/202590.20 CNY
8/27/202592.32 CNY
8/26/202594.10 CNY
8/25/202597.45 CNY
8/22/202596.43 CNY
8/21/202590.88 CNY
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Jiayin Group Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2022
3.27 B CNY
1.18 B CNY
1.18 B CNY
Jan 1, 2023
5.47 B CNY
1.33 B CNY
1.30 B CNY
Jan 1, 2024
5.80 B CNY
1.25 B CNY
1.06 B CNY
Jan 1, 2025 (e)
2.37 B CNY
645.61 M CNY
2.19 B CNY
Jan 1, 2026 (e)
2.30 B CNY
626.70 M CNY
2.12 B CNY
Jan 1, 2027 (e)
1.27 B CNY
346.76 M CNY
802.15 M CNY
Jan 1, 2028 (e)
2.12 B CNY
577.14 M CNY
1.88 B CNY
Jan 1, 2029 (e)
2.01 B CNY
548.21 M CNY
2.11 B CNY

Jiayin Group Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 20, 2026, 11:01 AM
 
REVENUEB CNY
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB CNY
EBITB CNY
EBIT MARGIN%
NET INCOMEB CNY
NET INCOME GROWTH%
DIV.CNY
DIV. GROWTH%
SHARESM
2016201720182019202020212022202320242025e2026e2027e2028e2029e
0.592.252.882.231.301.783.275.475.802.372.301.272.122.01
–280.7128.04-22.60-41.7036.9283.7667.106.13-59.21-2.92-44.6766.40-5.01
75.6389.8286.0880.9081.5481.1282.7363.2164.9464.9464.9464.9464.9464.94
0.452.022.481.801.061.442.713.463.771.541.490.831.371.30
-0.510.690.690.530.300.431.181.331.250.650.630.350.580.55
-86.6330.4923.7823.9523.2324.2136.1424.3721.5127.2627.2527.2227.2827.28
-0.390.540.610.530.250.471.181.301.062.192.120.801.882.11
–-238.5613.36-13.75-52.1887.30149.7910.01-18.58107.01-2.93-62.21134.0412.25
–––––––0.800.900.800.800.80––
––––––––12.50-11.11––––
214.00214.00214.00210.40216.10216.10215.26214.00212.00212.00212.00212.00212.00212.00
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Jiayin Group generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Jiayin Group retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Jiayin Group's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Jiayin Group has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Jiayin Group's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Jiayin Group stock margins

The Jiayin Group margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Jiayin Group. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Jiayin Group.

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Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2020
81.60 %
23.24 %
19.45 %
Jan 1, 2021
81.13 %
24.26 %
26.51 %
Jan 1, 2022
82.72 %
36.13 %
36.06 %
Jan 1, 2023
63.20 %
24.37 %
23.74 %
Jan 1, 2024
64.94 %
21.51 %
18.20 %
Jan 1, 2025 (e)
64.94 %
27.28 %
92.38 %
Jan 1, 2026 (e)
64.94 %
27.28 %
92.38 %
Jan 1, 2027 (e)
64.94 %
27.28 %
63.10 %

Jiayin Group Stock Revenue, EBIT, Earnings per Share

The Jiayin Group earnings per share therefore indicates how much revenue Jiayin Group has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2020
6.02 CNY
1.40 CNY
1.17 CNY
Jan 1, 2021
8.24 CNY
2.00 CNY
2.18 CNY
Jan 1, 2022
15.20 CNY
5.49 CNY
5.48 CNY
Jan 1, 2023
25.55 CNY
6.23 CNY
6.06 CNY
Jan 1, 2024
27.36 CNY
5.89 CNY
4.98 CNY
Jan 1, 2025 (e)
11.09 CNY
3.05 CNY
10.24 CNY
Jan 1, 2026 (e)
10.76 CNY
2.96 CNY
9.94 CNY
Jan 1, 2027 (e)
5.95 CNY
1.64 CNY
3.76 CNY

Jiayin Group business model & stock analysis

The Jiayin Group Inc is a Chinese FinTech company that was originally founded in 2011 under the name Niwodai. The company is headquartered in Shanghai, China, and is listed on the NASDAQ stock exchange in the USA. The company has a proprietary online lending system that allows individuals and small to medium-sized businesses to quickly and easily apply for and receive loans without having to visit a traditional bank. Jiayin Group Inc's business model is based on the peer-to-peer lending principle, where the company acts as a intermediary platform between borrowers and investors. One of the divisions of Jiayin Group Inc is the so-called "Niwodai credit program", which enables retail customers to access loans to meet their shopping or consumption needs. The company also offers loans to small and medium-sized businesses that are often rejected by banks due to high requirements and bureaucratic hurdles. In addition to its online lending services, Jiayin Group Inc has developed a range of digital financial products and services, including investment funds, insurance, asset management, and loan securitization. In 2015, Jiayin Group Inc also introduced an automatic investment portfolio management system that allows smaller investors to efficiently manage and diversify their investments. The system uses algorithms to connect investors with different investment strategies and goals while minimizing risks. While Jiayin Group Inc primarily operates in China, the company is increasingly expanding internationally and has established a strong presence in the USA, Hong Kong, and Singapore. The company has obtained an international license for its online lending platform and can offer loans in multiple countries. Overall, Jiayin Group Inc has shown impressive growth in recent years. The company achieved a net revenue of approximately 26.5 billion RMB (4.1 billion US dollars) in 2020 and served over 510,000 borrowers in the same year. However, the company also faces some challenges that are typical for the Chinese FinTech industry. The regulation and continuous monitoring by the Chinese government are strict and can affect the business performance. Despite these challenges, Jiayin Group Inc has solidified its position as a leading provider of online lending services for retail customers and small to medium-sized businesses in China. With its innovative platform, digital products and services, and international growth potential, the company is well positioned to continue growing and succeeding in the coming years.

Jiayin Group SWOT Analysis

Strengths

Jiayin Group Inc has a strong market presence and brand reputation, which allows for easier customer acquisition and retention.

The company has a diverse product portfolio, offering various financial services to cater to different customer needs.

Jiayin Group Inc is backed by advanced technology and data analytics, enabling efficient risk assessment and customized service delivery.

Weaknesses

Jiayin Group Inc heavily relies on its online platform, making it vulnerable to cybersecurity threats and technical issues.

The company faces intense competition in the financial services industry, which may impact its market share and profitability.

Jiayin Group Inc is relatively small in size compared to some of its competitors, which limits its resources and scalability.

Opportunities

The growing demand for online financial services presents an opportunity for Jiayin Group Inc to expand its customer base.

Strategic partnerships with established financial institutions can enhance the company's credibility and provide access to a larger customer pool.

Expansion into new geographic markets or offering additional innovative financial products can fuel growth for Jiayin Group Inc.

Threats

The regulatory environment in the financial sector may change, imposing stricter regulations and increasing compliance costs for Jiayin Group Inc.

Economic downturns or fluctuations could negatively impact consumer spending habits and demand for financial services.

Adverse publicity or reputational damage can erode trust and loyalty from customers, affecting Jiayin Group Inc's business operations.

Jiayin Group Employees

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Jiayin Group Employees
Details
Date
Jiayin Group Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Jiayin Group Segments

Jiayin Group Revenue by Segment (1/3)

  • 3 Years

  • 5 Years

  • Max

Loan Facilitation Services
Other Revenues
Post-origination Services
Details
Date
Loan Facilitation Services
Other Revenues
Post-origination Services
Jan 1, 2020
943.08 M CNY
244.35 M CNY
112.73 M CNY
Jan 1, 2022
2.88 B CNY
389.69 M CNY
0.00 CNY
Jan 1, 2024
0.00 CNY
0.00 CNY
0.00 CNY

Jiayin Group Revenue by Segment (2/3)

  • Max

Releasing of guarantee liabilities
Details
Date
Releasing of guarantee liabilities
Jan 1, 2020
0.00 CNY
Jan 1, 2022
0.00 CNY
Jan 1, 2024
1.36 B CNY

Jiayin Group Revenue by Segment (3/3)

  • Max

Loan Facilitation Services
Other revenue - Investor referral
Other revenue - others
Details
Date
Loan Facilitation Services
Other revenue - Investor referral
Other revenue - others
Jan 1, 2020
0.00 CNY
0.00 CNY
0.00 CNY
Jan 1, 2022
0.00 CNY
0.00 CNY
0.00 CNY
Jan 1, 2024
4.01 B CNY
228.49 M CNY
203.06 M CNY

Jiayin Group Eulerpool Fair Value

Details

Fair Value Estimate

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What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Jiayin Group historical P/E ratio, EBIT multiple, and P/S ratio

Jiayin Group annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Jiayin Group shares outstanding

The number of shares of Jiayin Group was 212 M in 2025. This indicates how many shares Jiayin Group is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
216.10 M Stocks
Jan 1, 2021
216.10 M Stocks
Jan 1, 2022
215.26 M Stocks
Jan 1, 2023
214.00 M Stocks
Jan 1, 2024
212.00 M Stocks
Jan 1, 2025 (e)
212.00 M Stocks
Jan 1, 2026 (e)
212.00 M Stocks
Jan 1, 2027 (e)
212.00 M Stocks

Jiayin Group Dividend History

3 years of dividend payments

YearAnnual DividendYoY ChangePayments
20250.80CNY↓ 11.1%1×
Jul 14, 20250.80CNY↑ 60.0%1/1
20240.90CNY↑ 125.0%2×
20230.40CNY—1×

Jiayin Group dividend history and estimates

In 2025, Jiayin Group paid a dividend amounting to 0.80 CNY. Dividend means that Jiayin Group distributes a portion of its profits to its owners.

  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2023 (e)
0.40 CNY
0.40 CNY
Jan 1, 2024
0.90 CNY
0.00 CNY
Jan 1, 2025
0.80 CNY
0.00 CNY
Jan 1, 2026 (e)
0.00 CNY
0.80 CNY
Jan 1, 2027 (e)
0.00 CNY
0.80 CNY

Jiayin Group dividend payout ratio

In 2025, Jiayin Group had a payout ratio of 7.81%. The payout ratio indicates the percentage of the company's profits that Jiayin Group distributes as dividends.

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  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
83.44 %
Jan 1, 2021
83.44 %
Jan 1, 2022
83.44 %
Jan 1, 2023
44.58 %
Jan 1, 2024
122.30 %
Jan 1, 2025 (e)
7.81 %
Jan 1, 2026 (e)
8.05 %
Jan 1, 2027 (e)
21.29 %

Current Jiayin Group forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
85.71 % (6)
Hold
14.29 % (1)
Sell
0.00 % (0)
12M Price Target
0.00
Last Price
16.92
Currency
CNY
12M Return Potential
-100.00 %
LTM Return
0 %

Jiayin Group Analyst Rating Actions

DateFirmActionRatingReliability
4/14/2021
Roth Capital
Roth Capital
MaintainedBuy49

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Jiayin Group Earnings Calls

2025

Jiayin Group Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
3/29/20232.16CNY-471.97 MCNY-2022 Q4
11/23/20222.59CNY-565.36 MCNY-2022 Q3
8/18/20222.33CNY-517.65 MCNY-2022 Q2
6/8/20221.79CNY-416.15 MCNY-2022 Q1
3/31/20222.12CNY-578.55 MCNY-2021 Q4
11/24/20212.16CNY-593.78 MCNY-2021 Q3
8/25/20211.46CNY-370.47 MCNY-2021 Q2
6/7/20211.38CNY-355.25 MCNY-2021 Q1
4/9/20210.66CNY-268.98 MCNY-2020 Q4
11/30/20200.64CNY-258.82 MCNY-2020 Q3

EESG©

Eulerpool ESG Scorecard© for the Jiayin Group stock

56/100
67
Environment
92
Social
8
Governance
E

Environment

20
Scope 1 - Direct Emissions19.05
Scope 2 - Indirect emissions from purchased energy275.95
Scope 3 - Indirect emissions within the value chain180.17
Total CO₂ emissions295
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees44.18
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Jiayin Group shareholder structure

% Name
0.06197%
RENAISSANCE TECHNOLOGIES LLC
RENAISSANCE TECHNOLOGIES LLC
0.05972%
Citadel Advisors LLC
Citadel Advisors LLC
0.05836%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
0.05621%
Renaissance Technologies LLC
Renaissance Technologies LLC
0.04042%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
0.03971%
TREXQUANT INVESTMENT LP
TREXQUANT INVESTMENT LP
...

Jiayin Group Beneficial Ownership Filings (SEC 13D/G)

Free Float
79.2%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
50.61%
New Dream Capital Holdings Limited
New Dream Capital Holdings Limited
SEC ↗
50.61%
Dinggui Yan
Dinggui Yan
SEC ↗
10.85%
Sunshinewoods Holdings Limited
Sunshinewoods Holdings Limited
SEC ↗
10.85%
Guanglin Zhang
Guanglin Zhang
SEC ↗

Jiayin Group Executives and Management Board

7 members · avg. age 52 · 14 % women

Management

DY

Mr. Dinggui Yan (56)

Chief Executive Officer, Founder, Director · since 2015

–
CF

Mr. Chunlin Fan (49)

Chief Financial Officer

–
YF

Mr. Yi Feng (48)

Chief Technology Officer

–
YX

Ms. Yifang Xu (47)

Chief Risk Officer, Director · since 2018

–
LW

Mr. Libin Wang (38)

Vice President - Finance, Director · since 2018

–

Board of Directors

YH

Mr. Yuhchang Hwang (70)

Independent Director

–
MR

Mr. Meng Rui (57)

Independent Director

–

Frequently asked questions about Jiayin Group

The main competitors of Jiayin Group Inc in the market include peer-to-peer lending platforms such as Lufax Holding Ltd, Yirendai Ltd, and Hexindai Inc.

The business model of Jiayin Group Inc. revolves around operating an online peer-to-peer (P2P) lending platform in China. Jiayin Group connects lenders and borrowers through its online marketplace, facilitating consumer loans for individuals. Utilizing advanced technology and risk management systems, the company evaluates borrowers' creditworthiness and provides them with customized loan products. This creates a win-win situation for both lenders and borrowers, allowing for efficient allocation of capital and attractive returns for investors. With its user-friendly platform, Jiayin Group Inc. strives to provide accessible and transparent financing solutions for individuals in need of credit, promoting financial inclusivity in China.

Jiayin Group Inc is primarily active in the financial technology (fintech) industry.

Jiayin Group Inc is a leading online individual finance marketplace in China. Founded in 2011, the company operates an online platform that connects individual investors with borrowers for short-term loans. Jiayin Group Inc's innovative approach has revolutionized the fintech industry, providing accessible and convenient financial solutions to individuals seeking quick loans. With its strong track record and commitment to transparency, the company has gained recognition and trust from investors and borrowers alike. Jiayin Group Inc continues to expand its services, empowering individuals with financial resources and contributing to the growth of China's digital economy.

Jiayin Group Inc has achieved significant milestones since its establishment. The company has successfully listed on the Nasdaq Global Market, symbolizing its recognition in the global financial market. Jiayin Group Inc has experienced remarkable growth, expanding its platform to serve borrowers across China. With a focus on innovation and technology, the company has developed advanced risk assessment and credit evaluation systems, ensuring the provision of efficient and reliable financial services. Jiayin Group Inc has also formed strategic partnerships with leading financial institutions, further establishing its position as a trusted and reputable player in the industry.

Jiayin Group Inc is primarily present in China, focusing on providing digital solutions for financial institutions and online consumer finance services. With headquarters in Shanghai, the company operates across various regions within China, including but not limited to Beijing, Shenzhen, Hangzhou, and Guangzhou. Jiayin Group Inc has an extensive customer base across different provinces and cities in China, serving as a prominent player in the domestic online lending market. Its platform connects borrowers with various loan products, allowing individuals and small businesses to access convenient and efficient financial services throughout China.

Jiayin Group Inc is a company that values innovation, integrity, and customer-centricity. Its corporate philosophy revolves around providing accessible and efficient financial solutions to individuals and small businesses in China. Jiayin Group Inc believes in empowering its clients through technology-enabled platforms and strives to maintain a high level of transparency and reliability in its operations. By leveraging advanced data analytics and risk management systems, Jiayin Group Inc aims to foster inclusive financial services and promote economic growth. This dedication to innovation, integrity, and customer satisfaction sets Jiayin Group Inc apart in the financial industry.

Analysts currently set an average price target of 82.66 CNY for the Jiayin Group stock (median: 82.66 CNY), implying +388.7 % versus the latest price. The consensus is based on 7 analyst ratings.

Jiayin Group Analyst Price Targets 2026

7 analysts currently rate the Jiayin Group stock: 6 recommend buying, 1 holding and 0 selling. For 2026, analysts expect Jiayin Group to generate revenue of 2.30 B CNY and earnings per share of 10.01 CNY.

Jiayin Group Analyst Price Targets 2026

Converted at the current exchange rate, the Jiayin Group share trades at 1.98 EUR (15.51 CNY).

The Jiayin Group share (JFIN) is listed on 1 stock exchanges, including: NASDAQ (JFIN).

The Jiayin Group Inc is a fintech company based in China that offers a platform for consumer credit matching to individuals. The company was founded in 2011 and is headquartered in Shanghai. Jiayin Group Inc is listed on NASDAQ. The business model of Jiayin Group Inc is the matching of consumer credit to individuals offered through the platform. The company targets individuals who are unable to obtain loans from traditional banks or do not want to borrow at high interest rates. The platform provides a quick and uncomplicated way to obtain financing. Jiayin Group Inc operates in two divisions: the online credit platform and the pre-approval business. On the online credit platform, operated under the name "Niuxin", consumers can apply for a loan from various lenders. The platform allows customers to quickly and easily obtain a loan with minimal effort. In addition, lenders are provided with a range of tools to conduct credit checks and minimize credit default risks. The pre-approval business, operated under the name "Jiayin Loan Origination System" (JLOS), is a system that supports lenders in loan approval. Lenders can evaluate borrowers on the platform and issue pre-approvals. This enables lenders to make their lending processes more efficient and faster. In addition to consumer credit matching, the company also offers other financial services such as insurance sales and mortgage brokerage. The company has partnerships with a variety of insurance companies and banks to offer additional products and services. In the fiscal year 2019, Jiayin Group Inc achieved a revenue of 1.2 billion yuan (approximately 155 million euros) and served over 17 million active customers during this period. The company aims to further diversify the credit offerings on the platform and attract more partners. In summary, Jiayin Group Inc is a fintech company specializing in consumer credit matching. The platform offers customers a quick and uncomplicated way to obtain a loan. The company is also active in other areas such as insurance sales and has partnerships with various insurance and banking companies. Jiayin Group Inc aims to further diversify the credit offerings on the platform and drive growth.

The expected revenue of Jiayin Group is 2.30 B CNY. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Jiayin Group is 2.12 B CNY. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Jiayin Group is currently 1.55. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Jiayin Group stock.

The price-to-sales ratio (P/S) of Jiayin Group is currently 1.43. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Jiayin Group stock.

The Eulerpool Quality Score for Jiayin Group is 3/10.

The ISIN of Jiayin Group is US47737C1045. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Jiayin Group is A2PCBV. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Jiayin Group is JFIN. The ticker symbol is used to trade Jiayin Group shares on the stock exchange.

Over the past 12 months, Jiayin Group paid a dividend of 0.90 CNY . This corresponds to a dividend yield of about 5.80 %. For the coming 12 months, Jiayin Group is expected to pay a dividend of 0.80 CNY.

The current dividend yield of Jiayin Group is 5.80 %.

Jiayin Group pays a dividend, distributed in the months of , , , .

Jiayin Group paid dividends every year for the past 3 years.

For the upcoming 12 months, dividends amounting to 0.80 CNY are expected. This corresponds to a dividend yield of 5.16 %.

Jiayin Group is assigned to the 'Finance' sector.

To receive the latest dividend of Jiayin Group from amounting to 0.8 CNY, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, Jiayin Group distributed 0.9 CNY as dividends.

The dividends of Jiayin Group are distributed in CNY.

All fundamentals and in-depth analysis of Jiayin Group

Our stock analysis for Jiayin Group stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Jiayin Group. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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