Jiayin (JFIN) Gross Margin (2018 - 2025)
Jiayin's (JFIN) quarterly Gross Margin came in at 54.25% in Q4 2025, down 892.0% year-on-year from 6.85% in Q4 2024, and down 13.4% quarter-over-quarter from 62.65% in Q3 2025.
Jiayin (JFIN) Gross Margin (2018 - 2025) Analysis & Trends
Jiayin has disclosed Gross Margin across 6 years of filings, most recently posting 54.25% for Q4 2025.
- Gross Margin for Q4 2025 came in at 54.25%, down 892.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 60.66% (down 632.0% YoY), and the FY2025 annual result was 60.98%, down 603.0% from the prior year.
- Gross Margin came in at 54.25% for Q4 2025 at Jiayin, down from 62.65% in the prior quarter.
- In the past five years, Gross Margin ranged from a high of 79.42% in Q4 2023 to a low of 54.25% in Q4 2025.
- The 4-year median for Gross Margin is 63.43% (2022), against an average of 66.0%.
- Across the five-year window, Gross Margin jumped 1599 bps in 2023 and sank 1624 bps in 2024, its largest moves.
- Jiayin's Gross Margin stood at 63.43% in 2022, then grew by 25 bps to 79.42% in 2023, then retreated by 20 bps to 63.17% in 2024, then dropped by 14 bps to 54.25% in 2025.
- The last three Gross Margin figures came in at 54.25% (Q4 2025), 62.65% (Q3 2025), and 61.73% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | - |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | - |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 92.17% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | - |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 93.80% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | - |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 78.22% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 84.45% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 94.24% |
| 10 | Jiayin | 113.10 Mn | 104.16 Mn | 84.58 Mn | 54.25% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 54.25% |
| Sep 30, 2025 | 62.65% |
| Jun 30, 2025 | 61.73% |
| Mar 31, 2025 | 61.91% |
| Dec 31, 2024 | 63.17% |
| Sep 30, 2024 | 61.91% |
| Jun 30, 2024 | 67.04% |
| Mar 31, 2024 | 75.61% |
| Dec 31, 2023 | 79.42% |
| Sep 30, 2023 | 72.42% |
| Jun 30, 2023 | 68.20% |
| Mar 31, 2023 | 66.19% |
| Dec 31, 2022 | 63.43% |
| Dec 31, 2019 | 62.43% |
| Jun 30, 2019 | 76.43% |
| Mar 31, 2019 | 76.56% |
| Dec 31, 2018 | 76.92% |
| Jun 30, 2018 | 69.56% |
| Mar 31, 2018 | 75.42% |