Jiayin (JFIN) EBIT Margin (2018 - 2025)

Jiayin's (JFIN) quarterly EBIT Margin came in at 8.68% in Q4 2025, down 1927.0% year-on-year from 0.48% in Q4 2024, and down 71.92% quarter-over-quarter from 30.91% in Q3 2025.

Jiayin (JFIN) EBIT Margin (2018 - 2025) Analysis & Trends

Jiayin has disclosed EBIT Margin across 6 years of filings, most recently posting 8.68% for Q4 2025.

  • EBIT Margin for Q4 2025 came in at 8.68%, down 1927.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 28.63% (up 712.0% YoY), and the FY2025 annual result was 28.89%, up 737.0% from the prior year.
  • EBIT Margin came in at 8.68% for Q4 2025 at Jiayin, down from 30.91% in the prior quarter.
  • In the past five years, EBIT Margin ranged from a high of 34.11% in Q1 2025 to a low of 8.68% in Q4 2025.
  • The 4-year median for EBIT Margin is 27.92% (2023), against an average of 25.13%.
  • Across the five-year window, EBIT Margin slumped 1939 bps in 2023 and jumped 1818 bps in 2025, its largest moves.
  • Jiayin's EBIT Margin stood at 33.89% in 2022, then tumbled by 57 bps to 14.49% in 2023, then soared by 93 bps to 27.96% in 2024, then sank by 69 bps to 8.68% in 2025.
  • The last three EBIT Margin figures came in at 8.68% (Q4 2025), 30.91% (Q3 2025), and 33.56% (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBIT Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 64.42%
2 Mastercard 437.55 Bn 427.34 Bn - 58.43%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 18.77%
4 Capital One Financial 112.47 Bn 35.97 Bn - 44.55%
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 17.81%
6 Synchrony Financial 24.26 Bn 3.70 Bn - 42.26%
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 26.44%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 3.39%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 35.49%
10 Jiayin 113.10 Mn 104.16 Mn 84.58 Mn 8.68%

Historic Data

Download Data
DateValue
Dec 31, 2025 8.68%
Sep 30, 2025 30.91%
Jun 30, 2025 33.56%
Mar 31, 2025 34.11%
Dec 31, 2024 27.96%
Sep 30, 2024 21.58%
Jun 30, 2024 15.38%
Mar 31, 2024 21.45%
Dec 31, 2023 14.49%
Sep 30, 2023 25.82%
Jun 30, 2023 27.92%
Mar 31, 2023 31.00%
Dec 31, 2022 33.89%
Dec 31, 2019 -8.20%
Jun 30, 2019 29.17%
Mar 31, 2019 40.29%
Dec 31, 2018 23.96%
Jun 30, 2018 36.05%
Mar 31, 2018 33.12%