Jiayin (JFIN) Asset Utilization Ratio (2019 - 2026)
Jiayin's (JFIN) Asset Utilization Ratio stood at 0.46 in Q2 2026, down 51.5% from 0.96 a year earlier and down 22.0% from the prior quarter.
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Analysis
Jiayin (JFIN) Asset Utilization Ratio (2019 - 2026) Analysis & Trends
For FY2025, Jiayin's Asset Utilization Ratio came in at 0.89, down 13.7% from FY2024.
- Annual Asset Utilization Ratio has declined for four straight years.
- Across earlier years, Asset Utilization Ratio came in at 1.03 in FY2024 (-28.3%), 1.44 in FY2023 (-46.4%), 2.69 in FY2022 (-59.3%) and 6.61 in FY2021 (+26.3%).
- The Q2 2026 figure is the lowest quarterly Asset Utilization Ratio in data going back to Q1 2019.
- On a year-over-year basis, Asset Utilization Ratio has declined for eight consecutive quarters, with an average decline of 36.9% over the last eight quarters.
- Peak year-over-year performance for Asset Utilization Ratio in the last five years was growth of 10.3% in Q2 2024, against a decline of 51.5% in Q2 2026 at the low end.
- Per Business Quant, the preceding three quarters came in at 0.59 (Q1 2026), 0.74 (Q4 2025) and 0.85 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.64 Bn | 8.86 Bn | - | 0.42 |
| 2 | Block | 47.20 Bn | 18.49 Bn | 3.17 Bn | 0.63 |
| 3 | Coinbase Global | 47.02 Bn | 3.82 Bn | - | 0.23 |
| 4 | Corpay | 26.80 Bn | 16.69 Bn | - | 0.18 |
| 5 | Fiserv | 25.84 Bn | 22.51 Bn | 2.90 Bn | 0.26 |
| 6 | Global Payments | 22.70 Bn | 492.24 Mn | 2.03 Bn | 0.16 |
| 7 | Guidewire Software | 15.59 Bn | 12.16 Bn | 269.68 Mn | 0.58 |
| 8 | Bitmine Immersion Technologies | 13.32 Bn | 10.70 Bn | 40.81 Mn | 0.01 |
| 9 | Chime Financial | 11.68 Bn | 7.47 Bn | 594.87 Mn | 1.25 |
| 10 | Jiayin | 71.55 Mn | -35.19 Mn | - | 0.46 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.46 |
| Mar 31, 2026 | 0.59 |
| Dec 31, 2025 | 0.74 |
| Sep 30, 2025 | 0.85 |
| Jun 30, 2025 | 0.96 |
| Mar 31, 2025 | 1.04 |
| Dec 31, 2024 | 1.08 |
| Sep 30, 2024 | 1.11 |
| Jun 30, 2024 | 1.58 |
| Mar 31, 2024 | 1.71 |
| Dec 31, 2023 | 1.67 |
| Sep 30, 2023 | 1.54 |
| Jun 30, 2023 | 0.80 |
| Mar 31, 2023 | 0.31 |
| Dec 31, 2022 | 0.00 |
| Sep 30, 2022 | 0.00 |
| Jun 30, 2022 | 0.00 |
| Mar 31, 2022 | 0.31 |
| Dec 31, 2021 | 2.49 |
| Sep 30, 2021 | 4.54 |
API Access
Jiayin Asset Utilization Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=asset-utilization-ratio&ticker=JFIN&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "asset-utilization-ratio", "ticker": "JFIN", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=asset-utilization-ratio&ticker=JFIN&period=max&api_key=YOUR_API_KEY");
const data = await res.json();