Jiayin Group (ADR)
Connects individual borrowers in China with institutional funding partners through a proprietary online platform.
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Profile
Connects individual borrowers in China with institutional funding partners through an online consumer-finance platform. It earns mainly from loan-facilitation services, with guarantee-liability releases and other services adding revenue.
Operating a China-based online consumer-finance platform, it connects individual borrowers with institutional funding partners. Its primary revenue source is loan facilitation, alongside guarantee-liability releases and other services.
The platform uses proprietary risk assessment, data analytics, and algorithms to support borrower evaluation. Operations are conducted through PRC subsidiaries and a consolidated VIE, while the Cayman parent relies on contractual arrangements with Jiayin Technology for certain operating activities.
China’s online loan-facilitation rules shape its compliance and risk-management practices. The current regulatory framework includes partner-platform whitelists for banks and limits certain borrower-facing platform and credit-enhancement fees.
Company facts
Categories
Key statistics
Year to date −65.1% · Average volume (30d) 49.4K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 28, 2026 | $0.17 | −$0.13 | −176.2% | $53.4M | $108.6M | +103.4% | −3.23% |
| Jun 23, 2026Q1 FY26 | $0.17 | −$0.16 | −193.8% | $53.3M | $109.3M | +104.8% | +5.61% |
| Mar 31, 2026Q4 FY25 | $0.17 | $0.28 | +64.0% | $53.4M | $153.7M | +188.0% | −5.49% |
| Nov 25, 2025Q3 FY25 | — | $1.04 | — | — | $206.5M | — | −2.83% |
Financial highlights
| 12 quarters | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $209.0M | $264.2M | $280.7M | $218.8M | $160.0M | $111.9M | |
| Gross profit | $158.5M | $214.2M | $238.2M | $176.1M | $111.8M | $62.9M | |
| Operating income | $58.4M | $90.3M | $95.1M | $68.0M | $13.9M | −$10.4M | |
| Net income | $41.0M | $80.3M | $77.2M | $56.0M | $14.8M | −$9.1M | |
| Diluted EPS | $0.77 | $1.51 | $1.46 | $1.10 | $0.29 | −$0.17 | |
| Gross margin | 75.8% | 81.1% | 84.9% | 80.5% | 69.9% | 56.2% | |
| Operating margin | 28.0% | 34.2% | 33.9% | 31.1% | 8.7% | -9.3% |
Fiscal years (4-quarter sums)FY21 $264.9M · FY22 $486.8M · FY23 $813.4M · FY24 $863.1M · FY25 $923.6M
Balance sheet, Mar 31, 2026Cash & short-term investments $64.0M · Total debt $102.9M · Total assets $1.27B · Shareholders' equity $647.9M
Dividends
Last raised to $0.80 from $0.495 in Jul 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 14, 2025 | Jul 14 | Jul 24 | $0.80 | raised from $0.495 |
| Aug 27, 2024 | Aug 27 | Sep 6 | $0.495 | raised from $0.38 |
| Jan 18, 2024 | Jan 19 | Jan 31 | $0.38 | |
| Jul 27, 2023 | Jul 28 | Aug 16 | $0.38 |
Ownership
Shares outstanding 51.96M · Float 41.16M · 79.2% free float
Insiders — filings are in the shares behind the receipt.
This listing is a depositary receipt and the Form 4 positions here are filed in the shares behind it, a different unit from the share count and in a ratio the filings never state, so no insider percentage is shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Renaissance Technologies LLC | 132.3K | 0.25% | 13F | May 14, 2026 |
| Dimensional Fund Advisors LP | 124.6K | 0.24% | 13F | May 7, 2026 |
| Trexquant Investment LP | 84.8K | 0.16% | 13F | May 15, 2026 |
| Militia Capital Management LLC | 51.2K | 0.10% | 13F | Aug 12, 2026 |
| Morgan Stanley | 48.6K | 0.09% | 13F | May 15, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
View detailsPeers
- Qfin (ADR)
Large China credit-tech platform for loan matching and servicing
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- LexinFintech (ADR)
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- Lufax (ADR)
China retail-credit and consumer-finance enabler
- Yiren Digital (ADR)
Digital consumer-lending platform with institutional funding
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Jiayin Group (ADR) | $2.10 | 0.00% | $109.1M | 0.8 | 1.8 | 0.1 | −58.7% |
| Qfin (ADR) | $8.78 | −0.31% | $1.15B | 1.3 | 3.0 | 0.5 | −13.0% |
| FinVolution Group (ADR) | $3.46 | +1.91% | $844.5M | 3.1 | — | 0.4 | +0.4% |
| LexinFintech (ADR) | $1.18 | +0.43% | $199.0M | 1.0 | — | 0.1 | +12.5% |
| Lufax (ADR) | $1.31 | +0.77% | $1.14B | — | 0.6 | 0.3 | — |
| Yiren Digital (ADR) | $1.09 | +3.81% | $91.3M | — | 1.4 | 0.1 | −32.0% |
| Median | 1.3 | 1.4 | 0.3 | −6.3% |