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| Date | Value |
|---|---|
| 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 |