Jiayin (JFIN) EBT Margin (2018 - 2026)
Jiayin (JFIN) posted EBT Margin of 9.17% for Q1 2026, down 198.87% sequentially from 9.28% in Q4 2025, and down 4653.0% YoY from 0.2% in Q1 2025.
Jiayin (JFIN) EBT Margin (2018 - 2026) Analysis & Trends
Jiayin (JFIN) has 9 years of EBT Margin data on file, last reported at 9.17% in Q1 2026.
- Quarterly EBT Margin fell 4653.0% year-over-year to 9.17% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 21.65% (up 1802.0% YoY) and the FY2025 annual result came in at 30.11%, up 778.0% from the prior year.
- EBT Margin declined to 9.17% in Q1 2026 per JFIN's latest filing, from 9.28% in the prior quarter.
- The five-year high for EBT Margin was 37.35% in Q1 2025, with the low at 71.58% in Q4 2024.
- Average EBT Margin over 5 years is 14.22%, with a median of 18.92% recorded in 2023.
- Year-over-year, EBT Margin slumped 8656 bps in 2024 and jumped 8086 bps in 2025.
- Jiayin's EBT Margin stood at 35.79% in 2022, then plunged by 58 bps to 14.98% in 2023, then tumbled by 578 bps to 71.58% in 2024, then jumped by 113 bps to 9.28% in 2025, then plunged by 199 bps to 9.17% in 2026.
- Business Quant data shows JFIN's EBT Margin at 9.17% in Q1 2026, 9.28% in Q4 2025, and 31.68% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 63.88% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 57.30% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 19.98% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 16.68% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 32.10% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 18.14% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 19.03% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 27.07% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 16.65% |
| 10 | Jiayin | 632.14 Mn | 625.88 Mn | 60.14 Mn | -9.17% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -9.17% |
| Dec 31, 2025 | 9.28% |
| Sep 30, 2025 | 31.68% |
| Jun 30, 2025 | 33.62% |
| Mar 31, 2025 | 37.35% |
| Dec 31, 2024 | -71.58% |
| Sep 30, 2024 | 21.93% |
| Jun 30, 2024 | 15.73% |
| Mar 31, 2024 | 21.83% |
| Dec 31, 2023 | 14.98% |
| Sep 30, 2023 | 10.04% |
| Jun 30, 2023 | 16.00% |
| Mar 31, 2023 | 31.28% |
| Mar 31, 2022 | 35.79% |
| Sep 30, 2021 | 10.90% |
| Mar 31, 2021 | 32.55% |
| Dec 31, 2020 | 2.41% |
| Sep 30, 2020 | 8.08% |
| Jun 30, 2020 | 3.75% |
| Mar 31, 2020 | 7.29% |