Jiayin (JFIN) Operating Margin (2018 - 2026)
Jiayin's Operating Margin was -33.47% in Q2 2026, down 67.36 percentage points from 33.88% a year earlier and down 24.21 percentage points from the prior quarter.
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Analysis
Jiayin (JFIN) Operating Margin (2018 - 2026) Analysis & Trends
On a trailing twelve-month basis, Jiayin's Operating Margin was 5.37% through Jun 30, 2026, down 24.53 percentage points year-over-year; for FY2025, it was 28.89%, up 7.37 percentage points from FY2024.
- Operating Margin shows a five-year change of +19.12 percentage points (FY2020 to FY2025).
- In earlier years, Operating Margin was 21.51% in FY2024 (+0.42 pp), 21.09% in FY2023 (-0.47 pp), 21.56% in FY2022 (+12.76 pp) and 8.80% in FY2021 (-0.96 pp).
- The Q2 2026 figure marks the lowest quarterly Operating Margin in data going back to Q1 2018.
- Compared with a year earlier, Operating Margin has declined for three straight quarters, with an average year-over-year change of -8.02 percentage points over the last eight quarters.
- The best year-over-year quarter for Operating Margin over five years was Q2 2025 (a gain of 18.50 percentage points); the worst was Q2 2026 (a drop of 67.36 percentage points).
- Per Business Quant data, JFIN's Operating Margin in the three quarters before Q2 2026 was -9.26% (Q1 2026), 8.68% (Q4 2025) and 31.08% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.73 Bn | 8.96 Bn | - | 16.44% |
| 2 | Coinbase Global | 47.44 Bn | 4.24 Bn | - | -9.30% |
| 3 | Block | 47.33 Bn | 18.63 Bn | 3.17 Bn | 6.75% |
| 4 | Corpay | 26.76 Bn | 16.65 Bn | - | 35.28% |
| 5 | Fiserv | 25.79 Bn | 22.46 Bn | 2.90 Bn | 19.18% |
| 6 | Global Payments | 22.76 Bn | 548.92 Mn | 2.03 Bn | 10.15% |
| 7 | Guidewire Software | 15.51 Bn | 12.08 Bn | 269.68 Mn | 15.16% |
| 8 | Bitmine Immersion Technologies | 13.47 Bn | 10.85 Bn | 40.81 Mn | -25.50% |
| 9 | Chime Financial | 11.67 Bn | 7.46 Bn | 594.87 Mn | 3.18% |
| 10 | Jiayin | 71.55 Mn | -35.19 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% |
| Sep 30, 2022 | 48,640.69% |
| Jun 30, 2022 | 100,038.17% |
| Mar 31, 2022 | 66,435.72% |
| Mar 31, 2021 | 32.82% |
| Dec 31, 2020 | 2.41% |
| Sep 30, 2020 | 8.10% |
API Access
Jiayin Operating Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=operating-margin&ticker=JFIN&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-margin", "ticker": "JFIN", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=operating-margin&ticker=JFIN&period=max&api_key=YOUR_API_KEY");
const data = await res.json();