Jiayin (JFIN) Operating Margin (2018 - 2026)
Jiayin (JFIN) posted Operating Margin of 9.26% for Q1 2026, down 206.67% sequentially from 8.68% in Q4 2025, and down 4343.0% YoY from 0.22% in Q1 2025.
Jiayin (JFIN) Operating Margin (2018 - 2026) Analysis & Trends
Jiayin (JFIN) has 9 years of Operating Margin data on file, last reported at 9.26% in Q1 2026.
- Quarterly Operating Margin fell 4343.0% year-over-year to 9.26% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 21.32% (down 386.0% YoY) and the FY2025 annual result came in at 28.89%, up 737.0% from the prior year.
- Operating Margin declined to 9.26% in Q1 2026 per JFIN's latest filing, from 8.68% in the prior quarter.
- The five-year high for Operating Margin was 35.74% in Q1 2022, with the low at 9.26% in Q1 2026.
- Average Operating Margin over 5 years is 20.82%, with a median of 21.52% recorded in 2024.
- Year-over-year, Operating Margin jumped 1850 bps in 2025 and sank 4343 bps in 2026.
- Jiayin's Operating Margin stood at 35.74% in 2022, then sank by 59 bps to 14.49% in 2023, then soared by 93 bps to 27.96% in 2024, then slumped by 69 bps to 8.68% in 2025, then slumped by 207 bps to 9.26% in 2026.
- Business Quant data shows JFIN's Operating Margin at 9.26% in Q1 2026, 8.68% in Q4 2025, and 31.08% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 64.42% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 58.43% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 18.77% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 17.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 26.44% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 3.39% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 35.49% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 24.11% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.96% |
| 10 | Jiayin | 632.14 Mn | 625.88 Mn | 60.14 Mn | -9.26% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -9.26% |
| Dec 31, 2025 | 8.68% |
| Sep 30, 2025 | 31.08% |
| Jun 30, 2025 | 33.88% |
| Mar 31, 2025 | 34.17% |
| Dec 31, 2024 | 27.96% |
| Sep 30, 2024 | 21.58% |
| Jun 30, 2024 | 15.38% |
| Mar 31, 2024 | 21.45% |
| Dec 31, 2023 | 14.49% |
| Sep 30, 2023 | 9.88% |
| Jun 30, 2023 | 15.39% |
| Mar 31, 2023 | 31.12% |
| Mar 31, 2022 | 35.74% |
| Sep 30, 2021 | 10.94% |
| Mar 31, 2021 | 32.82% |
| Dec 31, 2020 | 2.41% |
| Sep 30, 2020 | 8.10% |
| Jun 30, 2020 | 3.52% |
| Mar 31, 2020 | 6.89% |