Jiayin (JFIN) EBITDA Margin (2018 - 2025)
Jiayin's (JFIN) quarterly EBITDA Margin came in at 9.41% in Q4 2025, down 1068.0% year-on-year from 0.97% in Q4 2024, and down 63.35% quarter-over-quarter from 25.68% in Q3 2025.
Jiayin (JFIN) EBITDA Margin (2018 - 2025) Analysis & Trends
Jiayin has disclosed EBITDA Margin across 6 years of filings, most recently posting 9.41% for Q4 2025.
- EBITDA Margin for Q4 2025 came in at 9.41%, down 1068.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 24.66% (up 650.0% YoY), and the FY2025 annual result was 24.74%, up 629.0% from the prior year.
- EBITDA Margin came in at 9.41% for Q4 2025 at Jiayin, down from 25.68% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 51.79% in Q4 2022 to a low of 9.41% in Q4 2025.
- The 4-year median for EBITDA Margin is 22.04% (2023), against an average of 23.97%.
- Across the five-year window, EBITDA Margin slumped 2976 bps in 2023 and soared 1204 bps in 2025, its largest moves.
- Jiayin's EBITDA Margin stood at 51.79% in 2022, then tumbled by 57 bps to 22.02% in 2023, then retreated by 9 bps to 20.1% in 2024, then slumped by 53 bps to 9.41% in 2025.
- The last three EBITDA Margin figures came in at 9.41% (Q4 2025), 25.68% (Q3 2025), and 27.61% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 548.22 Bn | 535.81 Bn | - | 64.42% |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | 58.43% |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 44.55% |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | 17.81% |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 42.26% |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | 28.77% |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | 13.91% |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | 15.79% |
| 10 | Jiayin | 120.61 Mn | 111.67 Mn | 84.58 Mn | 9.41% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 | 22.04% |
| Jun 30, 2023 | 25.16% |
| Mar 31, 2023 | 24.78% |
| Dec 31, 2022 | 51.79% |
| Dec 31, 2019 | 3.46% |
| Jun 30, 2019 | 26.57% |
| Mar 31, 2019 | 34.76% |
| Dec 31, 2018 | 22.86% |
| Jun 30, 2018 | 30.91% |
| Mar 31, 2018 | 28.80% |