Jiayin (JFIN) EBT Margin (2018 - 2025)
Jiayin's (JFIN) quarterly EBT Margin came in at 9.28% in Q4 2025, up 8086.0% year-on-year from 0.11% in Q4 2024, and down 70.72% quarter-over-quarter from 31.68% in Q3 2025.
Jiayin (JFIN) EBT Margin (2018 - 2025) Analysis & Trends
Jiayin has disclosed EBT Margin across 6 years of filings, most recently posting 9.28% for Q4 2025.
- EBT Margin for Q4 2025 came in at 9.28%, up 8086.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 3.86% (up 576.0% YoY), and the FY2025 annual result was 30.11%, up 778.0% from the prior year.
- EBT Margin came in at 9.28% for Q4 2025 at Jiayin, down from 31.68% 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 71.58% in Q4 2024.
- The 4-year median for EBT Margin is 26.16% (2023), against an average of 17.98%.
- Across the five-year window, EBT Margin sank 8607 bps in 2024 and soared 8086 bps in 2025, its largest moves.
- Jiayin's EBT Margin stood at 33.89% in 2022, then tumbled by 57 bps to 14.49% in 2023, then plunged by 594 bps to 71.58% in 2024, then jumped by 113 bps to 9.28% in 2025.
- The last three EBT Margin figures came in at 9.28% (Q4 2025), 31.68% (Q3 2025), and 33.84% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 63.88% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 57.30% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 19.98% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 17.72% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 16.68% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 21.96% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 32.10% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 18.14% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 19.03% |
| 10 | Jiayin | 113.10 Mn | 104.16 Mn | 84.58 Mn | 9.28% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 9.28% |
| Sep 30, 2025 | 31.68% |
| Jun 30, 2025 | 33.84% |
| Mar 31, 2025 | 37.35% |
| Dec 31, 2024 | -71.58% |
| Sep 30, 2024 | 21.93% |
| Jun 30, 2024 | 15.80% |
| Mar 31, 2024 | 21.83% |
| Dec 31, 2023 | 14.49% |
| Sep 30, 2023 | 26.16% |
| Jun 30, 2023 | 28.06% |
| Mar 31, 2023 | 31.04% |
| Dec 31, 2022 | 33.89% |
| Dec 31, 2019 | -5.70% |
| Jun 30, 2019 | 30.79% |
| Mar 31, 2019 | 40.71% |
| Dec 31, 2018 | 25.00% |
| Jun 30, 2018 | 36.46% |
| Mar 31, 2018 | 33.97% |