Jiayin (JFIN) Operating Expenses (2018 - 2025)

Jiayin's (JFIN) quarterly Operating Expenses came in at -$142.4 million in Q4 2025, down 2.7% year-on-year from -$146.3 million in Q4 2024, and little changed quarter-over-quarter from -$142.3 million in Q3 2025.

Jiayin (JFIN) Operating Expenses (2018 - 2025) Analysis & Trends

Jiayin has disclosed Operating Expenses across 8 years of filings, most recently posting -$142.4 million for Q4 2025.

  • Operating Expenses for Q4 2025 came in at -$142.4 million, down 2.7% year-over-year; the trailing twelve-month figure through Dec 2025 was -$619.9 million (up 1.99% YoY), and the FY2025 annual result was $632.7 million, up 1.44% from the prior year.
  • Operating Expenses came in at -$142.4 million for Q4 2025 at Jiayin, roughly flat from -$142.3 million in the prior quarter.
  • In the past five years, Operating Expenses ranged from a high of -$35.0 million in Q1 2021 to a low of -$192.8 million in Q4 2023.
  • The 5-year median for Operating Expenses is -$132.0 million (2023), against an average of -$117.4 million.
  • Across the five-year window, Operating Expenses sank 117.06% in 2023 and grew 28.08% in 2024, its largest moves.
  • Jiayin's Operating Expenses stood at -$55.5 million in 2021, then plunged by 85.04% to -$102.6 million in 2022, then plunged by 87.81% to -$192.8 million in 2023, then advanced by 28.08% to -$138.6 million in 2024, then retreated by 2.7% to -$142.4 million in 2025.
  • The last three Operating Expenses figures came in at -$142.4 million (Q4 2025), -$142.3 million (Q3 2025), and -$174.1 million (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Opex (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 4.00 Bn
2 Mastercard 437.55 Bn 427.34 Bn - 3.49 Bn
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 13.88 Bn
4 Capital One Financial 112.47 Bn 35.97 Bn - 8.46 Bn
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 6.87 Bn
6 Synchrony Financial 24.26 Bn 3.70 Bn - 1.32 Bn
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 950.34 Mn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 891.92 Mn
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 1.24 Bn
10 Jiayin 113.10 Mn 104.16 Mn 84.58 Mn -142.36 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 -142.36 Mn
Sep 30, 2025 -142.33 Mn
Jun 30, 2025 -174.09 Mn
Mar 31, 2025 -161.08 Mn
Dec 31, 2024 -138.62 Mn
Sep 30, 2024 -161.45 Mn
Jun 30, 2024 -171.90 Mn
Mar 31, 2024 -160.51 Mn
Dec 31, 2023 -192.76 Mn
Sep 30, 2023 -148.63 Mn
Jun 30, 2023 -125.29 Mn
Mar 31, 2023 -112.54 Mn
Dec 31, 2022 -102.64 Mn
Sep 30, 2022 -82.34 Mn
Jun 30, 2022 -69.73 Mn
Mar 31, 2022 -51.85 Mn
Dec 31, 2021 -55.47 Mn
Sep 30, 2021 -65.68 Mn
Jun 30, 2021 -53.06 Mn
Mar 31, 2021 -34.99 Mn