Jiayin (JFIN) Interest Coverage Ratio (2018 - 2025)
Jiayin (JFIN) posted Interest Coverage Ratio of 2.57 for Q4 2025, down 82.43% sequentially from 14.6 in Q4 2024, and down 82.43% YoY from 14.6 in Q4 2024.
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Analysis
Jiayin (JFIN) Interest Coverage Ratio (2018 - 2025) Analysis & Trends
Jiayin has reported Interest Coverage Ratio for 8 years, with the latest figure at 2.57 in Q4 2025.
- Quarterly Interest Coverage Ratio fell 82.43% year-over-year to 2.57 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 47.27 (changed 0.43% YoY) and the FY2025 annual result came in at 799.4, changed N/A from the prior year.
- Interest Coverage Ratio declined to 2.57 in Q4 2025 per JFIN's latest filing, from 14.6 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 14.64 in Q4 2023 and troughed at 0.21 in Q4 2021.
- A 5-year average of 7.38 and a median of 4.88 in 2022 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2021 and 2022: Interest Coverage Ratio sank 98.36% in 2021, then surged 2176.5% in 2022.
- Over 5 years, Interest Coverage Ratio stood at 0.21 in 2021, then soared by 2176.5% to 4.88 in 2022, then soared by 199.9% to 14.64 in 2023, then dropped by 0.29% to 14.6 in 2024, then tumbled by 82.43% to 2.57 in 2025.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 2.57, 14.6, and 14.64 for Q4 2025, Q4 2024, and Q4 2023 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | Jiayin | 109.67 Mn | 35.66 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2025 | -302.57 |
| Dec 31, 2024 | 118.45 |
| Sep 30, 2024 | -26.80 |
| Mar 31, 2024 | -121.07 |
| Dec 31, 2023 | -5.30 |
| Sep 30, 2023 | -45.36 |
| Jun 30, 2023 | -27.68 |
| Mar 31, 2023 | -52.31 |
| Dec 31, 2022 | -22.99 |
| Sep 30, 2022 | -50.14 |
| Jun 30, 2022 | -48.16 |
| Mar 31, 2022 | -45.45 |
| Dec 31, 2021 | -0.86 |
| Sep 30, 2021 | -24.84 |
| Jun 30, 2021 | -11.46 |
| Mar 31, 2021 | -14.20 |
| Dec 31, 2020 | -2.61 |
| Sep 30, 2020 | -9.29 |
| Jun 30, 2020 | -4.47 |
| Mar 31, 2020 | -1.66 |