Jiayin (JFIN) Net Margin (2018 - 2025)
Jiayin's (JFIN) quarterly Net Margin came in at 9.33% in Q4 2025, up 7519.0% year-on-year from 0.12% in Q4 2024, and down 75.17% quarter-over-quarter from 37.56% in Q3 2025.
Jiayin (JFIN) Net Margin (2018 - 2025) Analysis & Trends
Jiayin has disclosed Net Margin across 6 years of filings, most recently posting 9.33% for Q4 2025.
- Net Margin for Q4 2025 came in at 9.33%, up 7519.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 35.23% (up 3309.0% YoY), and the FY2025 annual result was 24.68%, up 647.0% from the prior year.
- Net Margin came in at 9.33% for Q4 2025 at Jiayin, down from 37.56% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 44.24% in Q1 2025 to a low of 65.86% in Q4 2024.
- The 4-year median for Net Margin is 29.0% (2022), against an average of 21.78%.
- Across the five-year window, Net Margin tumbled 8426 bps in 2024 and jumped 7519 bps in 2025, its largest moves.
- Jiayin's Net Margin stood at 29.0% in 2022, then sank by 37 bps to 18.4% in 2023, then plunged by 458 bps to 65.86% in 2024, then soared by 114 bps to 9.33% in 2025.
- The last three Net Margin figures came in at 9.33% (Q4 2025), 37.56% (Q3 2025), and 40.36% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 53.62% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 46.23% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 15.71% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 13.66% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 13.32% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 16.44% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 30.76% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 15.15% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 13.84% |
| 10 | Jiayin | 113.10 Mn | 104.16 Mn | 84.58 Mn | 9.33% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 9.33% |
| Sep 30, 2025 | 37.56% |
| Jun 30, 2025 | 40.36% |
| Mar 31, 2025 | 44.24% |
| Dec 31, 2024 | -65.86% |
| Sep 30, 2024 | 25.66% |
| Jun 30, 2024 | 19.78% |
| Mar 31, 2024 | 24.94% |
| Dec 31, 2023 | 18.40% |
| Sep 30, 2023 | 30.33% |
| Jun 30, 2023 | 31.51% |
| Mar 31, 2023 | 37.93% |
| Dec 31, 2022 | 29.00% |
| Dec 31, 2019 | -17.79% |
| Jun 30, 2019 | 35.04% |
| Mar 31, 2019 | 46.65% |
| Dec 31, 2018 | 27.14% |
| Jun 30, 2018 | 42.01% |
| Mar 31, 2018 | 39.14% |