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Jiayin Group - ADR Key Ratios

Stock Card factsheet share-fund-plan-icon

$1.78

up-down-arrow $-0.03 (-1.39%)

As on 04-Sep-2026 13:28EDT

Market cap

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$110 Mln

Revenue (TTM)

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$5,184 Mln

P/E Ratio

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0.8

P/B Ratio

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0.2

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -30.05 -57.64 -15.04 9.48 31.27
EBIT -- -- 4.46 -3.98 26.77
Net Profit -161.74 -111.36 -29.43 -4.17 25.03
EPS -160.82 -111.59 -14.40 -3.21 25.97
Book Value -- -- 486.72 54.62 --
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info 25.3327.2823.0430.1121.51
Net Margin info ----18.01----
Return on equity info 38.5316.7121.565.6538.34
Return on Capital info 37.519.48--5.1437.55
Return on Assets info 17.3634.8510.073.0219.11
Debt to Equity (x) info ----0.120.160.02

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
--
5.14
37.55
69.84
176.91
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

21.56

Lower than Peers by 3.59

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
21.56
5.65
38.34
71.59
185.63
Peer Median
25.16
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

10.07

Higher than Peers by 2.16

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
10.07
3.02
19.11
29.95
59.10
Peer Median
7.91
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

23.04

Higher than Peers by 5.72

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
23.04
30.11
21.51
24.37
36.13
Peer Median
17.32
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

18.01

Higher than Peers by 0.43

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
18.01
24.68
18.21
23.74
36.06
Peer Median
17.58
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-15.04

Lower than Peers by 27.53

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
-15.04
-0.85
0.06
0.67
0.84
Peer Median
12.49
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

4.46

Lower than Peers by 15.58

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
4.46
-79.12
-6.34
12.73
173.64
Peer Median
20.04
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

-29.43

Lower than Peers by 54.99

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
-29.43
-79.78
-18.58
10.00
149.88
Peer Median
25.56
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-14.40

Lower than Peers by 53.62

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
-14.40
-0.16
-0.80
0.10
1.53
Peer Median
39.23
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

21.07

Higher than Peers by 7.13

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
21.07
--
--
--
--
Peer Median
13.94
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

0.12

Lower than Peers by 0.04

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
0.12
0.16
0.02
0.03
0.02
Peer Median
0.16
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

0.04

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
0.04
0.04
--
0.01
0.02
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

24.63

Higher than Peers by 23.03

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
24.63
1.88
2.15
2.36
1.58
Peer Median
1.60
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

24.63

Higher than Peers by 23.05

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
24.63
--
--
2.36
1.58
Peer Median
1.58
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1,478.74

Higher than Peers by 1,460.13

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
1,478.74
--
--
--
7.72
Peer Median
18.60
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

75.53

Higher than Peers by 65.55

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
75.53
603.67
60.17
73.76
62.53
Peer Median
9.98
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.56

Higher than Peers by 0.04

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
0.56
0.12
1.05
1.26
1.64
Peer Median
0.52
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
--
1,838.87
236.83
203.04
142.23
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
--
--
--
0.18
-11.41
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
--
--
233.12
235.66
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Jiayin Group - ADR
--
--
3.71
-32.44
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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