Jiayin (JFIN) EBITDA Margin (2018 - 2026)
Jiayin (JFIN) posted EBITDA Margin of 8.15% for Q1 2026, down 186.56% sequentially from 9.41% in Q4 2025, and down 3849.0% YoY from 0.22% in Q1 2025.
Jiayin (JFIN) EBITDA Margin (2018 - 2026) Analysis & Trends
Jiayin (JFIN) has 9 years of EBITDA Margin data on file, last reported at 8.15% in Q1 2026.
- Quarterly EBITDA Margin fell 3849.0% year-over-year to 8.15% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 17.88% (down 377.0% YoY) and the FY2025 annual result came in at 24.74%, up 630.0% from the prior year.
- EBITDA Margin fell to 8.15% in Q1 2026 per JFIN's latest filing, from 9.41% in the prior quarter.
- The five-year high for EBITDA Margin was 30.34% in Q1 2025, with the low at 8.15% in Q1 2026.
- Average EBITDA Margin over 5 years is 18.21%, with a median of 19.2% recorded in 2024.
- Year-over-year, EBITDA Margin jumped 1204 bps in 2025 and sank 3849 bps in 2026.
- Jiayin's EBITDA Margin stood at 28.16% in 2022, then decreased by 22 bps to 22.02% in 2023, then dropped by 9 bps to 20.1% in 2024, then tumbled by 53 bps to 9.41% in 2025, then slumped by 187 bps to 8.15% in 2026.
- Business Quant data shows JFIN's EBITDA Margin at 8.15% in Q1 2026, 9.41% in Q4 2025, and 25.68% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 64.42% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 58.43% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 18.77% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 17.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 28.77% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 13.91% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 15.79% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 24.11% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.96% |
| 10 | Jiayin | 632.14 Mn | 625.88 Mn | 60.14 Mn | -8.15% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -8.15% |
| Dec 31, 2025 | 9.41% |
| Sep 30, 2025 | 25.68% |
| Jun 30, 2025 | 27.61% |
| Mar 31, 2025 | 30.34% |
| Dec 31, 2024 | 20.10% |
| Sep 30, 2024 | 18.17% |
| Jun 30, 2024 | 16.16% |
| Mar 31, 2024 | 18.30% |
| Dec 31, 2023 | 22.02% |
| Sep 30, 2023 | 8.43% |
| Jun 30, 2023 | 13.87% |
| Mar 31, 2023 | 24.87% |
| Mar 31, 2022 | 28.16% |
| Sep 30, 2021 | 8.86% |
| Mar 31, 2021 | 26.73% |
| Dec 31, 2020 | 3.31% |
| Sep 30, 2020 | 4.32% |
| Jun 30, 2020 | 2.99% |
| Mar 31, 2020 | 5.85% |