Jiayin (JFIN) EBT Margin (2018 - 2026)
Jiayin's (JFIN) quarterly EBT Margin came in at 29.69% in Q2 2026, down 6346.0% year-over-year from 0.48% in Q2 2025, and down 223.66% quarter-over-quarter from 9.17% in Q1 2026.
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Jiayin (JFIN) EBT Margin (2018 - 2026) Analysis & Trends
Jiayin has disclosed EBT Margin across 8 years of filings, most recently posting 29.69% for Q2 2026.
- In Q2 2026, EBT Margin fell 6346.0% year-over-year to 29.69%; the TTM figure through Jun 2026 stood at 6.47% (down 2387.0% YoY), while the FY2025 annual figure was 30.11%, up 778.0% from the prior year.
- EBT Margin came in at 29.69% for Q2 2026 at Jiayin, down from 9.17% in the prior quarter.
- In the past five years, EBT Margin ranged from a high of 37.35% in Q1 2025 to a low of 29.69% in Q2 2026.
- Average EBT Margin over 4 years is 16.48%, with a median of 18.92% recorded in 2023.
- Year-over-year, EBT Margin surged 1804 bps in 2025 and slumped 6346 bps in 2026.
- Over 4 years, EBT Margin stood at 14.99% in 2023, then surged by 72 bps to 25.75% in 2024, then plunged by 64 bps to 9.28% in 2025, then slumped by 420 bps to 29.69% in 2026.
- Per Business Quant data, the three most recent EBT Margin figures were 29.69% in Q2 2026, 9.17% in Q1 2026, and 9.28% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Upstart Holdings | 2.43 Bn | 1.99 Bn | 303.39 Mn | 4.70% |
| 2 | Pagaya Technologies | 1.70 Bn | 1.51 Bn | 168.33 Mn | 10.66% |
| 3 | Qfin Holdings | 986.27 Mn | -9.51 Mn | - | 30.63% |
| 4 | FinVolution | 836.54 Mn | -90.46 Mn | - | 15.96% |
| 5 | X Financial | 386.17 Mn | -182.14 Mn | 84.09 Mn | 22.14% |
| 6 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -2.29% |
| 7 | Blend Labs | 279.09 Mn | 234.22 Mn | 24.89 Mn | -4.00% |
| 8 | LexinFintech Holdings | 251.25 Mn | 251.25 Mn | 73.06 Mn | 4.86% |
| 9 | Jiayin | 76.25 Mn | 2.23 Mn | - | -29.69% |
| 10 | Antalpha Platform Holding | 76.02 Mn | -813.69 Mn | 11.94 Mn | -242.52% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -29.69% |
| Mar 31, 2026 | -9.17% |
| Dec 31, 2025 | 9.28% |
| Sep 30, 2025 | 31.68% |
| Jun 30, 2025 | 33.77% |
| Mar 31, 2025 | 37.35% |
| Dec 31, 2024 | 25.75% |
| Sep 30, 2024 | 21.93% |
| Jun 30, 2024 | 15.73% |
| Mar 31, 2024 | 21.83% |
| Dec 31, 2023 | 14.99% |
| Sep 30, 2023 | 10.04% |
| Jun 30, 2023 | 16.00% |
| Mar 31, 2023 | 31.28% |
| 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% |
| Dec 31, 2019 | -5.70% |