Jiayin (JFIN) Gross Margin (2018 - 2026)
Jiayin (JFIN) posted Gross Margin of 54.82% for Q1 2026, up 1.05% sequentially from 54.25% in Q4 2025, and down 719.0% YoY from 8.86% in Q1 2025.
Jiayin (JFIN) Gross Margin (2018 - 2026) Analysis & Trends
Jiayin (JFIN) has 9 years of Gross Margin data on file, last reported at 54.82% in Q1 2026.
- Quarterly Gross Margin fell 719.0% year-over-year to 54.82% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 59.59% (down 394.0% YoY) and the FY2025 annual result came in at 60.12%, down 688.0% from the prior year.
- Gross Margin advanced to 54.82% in Q1 2026 per JFIN's latest filing, from 54.25% in the prior quarter.
- The five-year high for Gross Margin was 79.42% in Q4 2023, with the low at 27.61% in Q3 2023.
- Average Gross Margin over 5 years is 60.37%, with a median of 62.49% recorded in 2025.
- The widest YoY moves for Gross Margin: up 3430 bps in 2024, down 1624 bps in 2024.
- Jiayin's Gross Margin stood at 70.86% in 2022, then climbed by 12 bps to 79.42% in 2023, then dropped by 20 bps to 63.17% in 2024, then retreated by 14 bps to 54.25% in 2025, then grew by 1 bps to 54.82% in 2026.
- Business Quant data shows JFIN's Gross Margin at 54.82% in Q1 2026, 54.25% in Q4 2025, and 62.65% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 92.17% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 93.80% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 78.22% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 84.45% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 94.24% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 97.03% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 71.98% |
| 10 | Jiayin | 632.14 Mn | 625.88 Mn | 60.14 Mn | 54.82% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 54.82% |
| Dec 31, 2025 | 54.25% |
| Sep 30, 2025 | 62.65% |
| Jun 30, 2025 | 61.73% |
| Mar 31, 2025 | 62.01% |
| Dec 31, 2024 | 63.17% |
| Sep 30, 2024 | 61.91% |
| Jun 30, 2024 | 67.30% |
| Mar 31, 2024 | 75.61% |
| Dec 31, 2023 | 79.42% |
| Sep 30, 2023 | 27.61% |
| Jun 30, 2023 | 36.97% |
| Mar 31, 2023 | 66.32% |
| Mar 31, 2022 | 70.86% |
| Sep 30, 2021 | 99.33% |
| Mar 31, 2021 | 73.68% |
| Dec 31, 2020 | 94.65% |
| Sep 30, 2020 | 94.73% |
| Jun 30, 2020 | 95.27% |
| Mar 31, 2020 | 87.22% |