Jiayin (JFIN) Net Margin (2018 - 2026)
Jiayin's (JFIN) quarterly Net Margin came in at 34.35% in Q2 2026, down 7470.0% year-over-year from 0.47% in Q2 2025, and down 238.23% quarter-over-quarter from 10.16% in Q1 2026.
Powered by 
Analysis
Jiayin (JFIN) Net Margin (2018 - 2026) Analysis & Trends
Jiayin has disclosed Net Margin across 8 years of filings, most recently posting 34.35% for Q2 2026.
- In Q2 2026, Net Margin fell 7470.0% year-over-year to 34.35%; the TTM figure through Jun 2026 stood at 7.52% (down 2868.0% YoY), while the FY2025 annual figure was 35.34%, up 889.0% from the prior year.
- Net Margin came in at 34.35% for Q2 2026 at Jiayin, down from 10.16% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 44.32% in Q1 2025 to a low of 34.35% in Q2 2026.
- Average Net Margin over 4 years is 19.68%, with a median of 22.33% recorded in 2024.
- Year-over-year, Net Margin surged 2062 bps in 2025 and sank 7470 bps in 2026.
- Over 4 years, Net Margin stood at 18.9% in 2023, then soared by 66 bps to 31.47% in 2024, then sank by 70 bps to 9.33% in 2025, then sank by 468 bps to 34.35% in 2026.
- Per Business Quant data, the three most recent Net Margin figures were 34.35% in Q2 2026, 10.16% in Q1 2026, and 9.33% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Upstart Holdings | 2.43 Bn | 1.99 Bn | 303.39 Mn | 4.53% |
| 2 | Pagaya Technologies | 1.70 Bn | 1.51 Bn | 168.33 Mn | 10.94% |
| 3 | Qfin Holdings | 986.27 Mn | -9.51 Mn | - | 11.38% |
| 4 | FinVolution | 836.54 Mn | -90.46 Mn | - | 19.31% |
| 5 | X Financial | 386.17 Mn | -182.14 Mn | 84.09 Mn | 4.73% |
| 6 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -2.24% |
| 7 | Blend Labs | 279.09 Mn | 234.22 Mn | 24.89 Mn | -18.94% |
| 8 | LexinFintech Holdings | 251.25 Mn | 251.25 Mn | 73.06 Mn | 3.18% |
| 9 | Jiayin | 76.25 Mn | 2.23 Mn | - | -34.35% |
| 10 | Antalpha Platform Holding | 76.02 Mn | -813.69 Mn | 11.94 Mn | -102.75% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -34.35% |
| Mar 31, 2026 | -10.16% |
| Dec 31, 2025 | 9.33% |
| Sep 30, 2025 | 37.56% |
| Jun 30, 2025 | 40.35% |
| Mar 31, 2025 | 44.32% |
| Dec 31, 2024 | 31.47% |
| Sep 30, 2024 | 25.66% |
| Jun 30, 2024 | 19.73% |
| Mar 31, 2024 | 24.94% |
| Dec 31, 2023 | 18.90% |
| Sep 30, 2023 | 11.65% |
| Jun 30, 2023 | 17.97% |
| Mar 31, 2023 | 38.22% |
| Mar 31, 2021 | 38.95% |
| Dec 31, 2020 | 4.63% |
| Sep 30, 2020 | 9.78% |
| Jun 30, 2020 | 4.78% |
| Mar 31, 2020 | 9.31% |
| Dec 31, 2019 | -17.79% |