Jiayin (JFIN) Operating Margin (2018 - 2026)
Jiayin's (JFIN) quarterly Operating Margin came in at 33.47% in Q2 2026, down 6736.0% year-over-year from 0.5% in Q2 2025, and down 261.47% quarter-over-quarter from 9.26% in Q1 2026.
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Jiayin (JFIN) Operating Margin (2018 - 2026) Analysis & Trends
Jiayin has disclosed Operating Margin across 8 years of filings, most recently posting 33.47% for Q2 2026.
- In Q2 2026, Operating Margin fell 6736.0% year-over-year to 33.47%; the TTM figure through Jun 2026 stood at 5.37% (down 2453.0% YoY), while the FY2025 annual figure was 28.89%, up 737.0% from the prior year.
- Operating Margin came in at 33.47% for Q2 2026 at Jiayin, down from 9.26% in the prior quarter.
- In the past five years, Operating Margin ranged from a high of 34.17% in Q1 2025 to a low of 33.47% in Q2 2026.
- Average Operating Margin over 4 years is 15.88%, with a median of 18.42% recorded in 2023.
- Year-over-year, Operating Margin jumped 1850 bps in 2025 and sank 6736 bps in 2026.
- Over 4 years, Operating Margin stood at 14.49% in 2023, then soared by 93 bps to 27.96% in 2024, then tumbled by 69 bps to 8.68% in 2025, then sank by 486 bps to 33.47% in 2026.
- Per Business Quant data, the three most recent Operating Margin figures were 33.47% in Q2 2026, 9.26% in Q1 2026, and 8.68% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Upstart Holdings | 2.43 Bn | 1.99 Bn | 303.39 Mn | 4.01% |
| 2 | Pagaya Technologies | 1.70 Bn | 1.51 Bn | 168.33 Mn | 27.34% |
| 3 | Qfin Holdings | 986.27 Mn | -9.51 Mn | - | 32.55% |
| 4 | FinVolution | 836.54 Mn | -90.46 Mn | - | 15.55% |
| 5 | X Financial | 386.17 Mn | -182.14 Mn | 84.09 Mn | 19.62% |
| 6 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -3.09% |
| 7 | Blend Labs | 279.09 Mn | 234.22 Mn | 24.89 Mn | -4.66% |
| 8 | LexinFintech Holdings | 251.25 Mn | 251.25 Mn | 73.06 Mn | 34.29% |
| 9 | Jiayin | 76.25 Mn | 2.23 Mn | - | -33.47% |
| 10 | Antalpha Platform Holding | 76.02 Mn | -813.69 Mn | 11.94 Mn | 205.39% |
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% |
| 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% |
| Dec 31, 2019 | -8.20% |