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.
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Jiayin (JFIN) Operating Margin (2018 - 2026) Analysis & Trends
Jiayin has reported Operating Margin for 8 years, with the latest figure 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.
- Over five years, Operating Margin peaked at 34.17% in Q1 2025 and troughed at 9.26% in Q1 2026.
- A 4-year average of 19.68% and a median of 21.45% in 2024 frame the typical range for Operating Margin.
- The sharpest annual moves came in 2025 and 2026: Operating Margin surged 1850 bps in 2025, then tumbled 4343 bps in 2026.
- Over 4 years, Operating Margin stood at 14.49% in 2023, then surged by 93 bps to 27.96% in 2024, then sank by 69 bps to 8.68% in 2025, then sank by 207 bps to 9.26% in 2026.
- According to Business Quant data, Operating Margin over the past three periods registered 9.26%, 8.68%, and 31.08% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 59.12% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 60.22% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | - |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 16.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 12.63% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | - |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 1.47% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 33.20% |
| 10 | Jiayin | 109.67 Mn | 35.66 Mn | - | -33.47% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -33.47% |
| 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% |
| Dec 31, 2022 | 33.89% |
| 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% |