Jiayin Group Net Income
| JFIN Stock | USD 6.27 0.01 0.16% |
As of the 13th of February 2026, Jiayin retains the Standard Deviation of 3.09, market risk adjusted performance of (0.35), and Risk Adjusted Performance of (0.13). Jiayin technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices.
Jiayin Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 0.348 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income From Continuing Ops | 1.2 B | 677.2 M | |
| Net Income Applicable To Common Shares | 1.4 B | 1.4 B | |
| Net Income | 1.2 B | 1.5 B | |
| Net Income Per Share | 17.89 | 9.30 | |
| Net Income Per E B T | 0.73 | 0.66 |
Jiayin | Net Income | Build AI portfolio with Jiayin Stock |
Evaluating Jiayin's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Jiayin Group's fundamental strength.
Latest Jiayin's Net Income Growth Pattern
Below is the plot of the Net Income of Jiayin Group over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Jiayin Group financial statement analysis. It represents the amount of money remaining after all of Jiayin Group operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Jiayin's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Jiayin's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 1.06 B | 10 Years Trend |
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Net Income |
| Timeline |
Jiayin Net Income Regression Statistics
| Arithmetic Mean | 300,150,494 | |
| Coefficient Of Variation | 218.63 | |
| Mean Deviation | 573,715,053 | |
| Median | 472,086,000 | |
| Standard Deviation | 656,218,284 | |
| Sample Variance | 430622.4T | |
| Range | 1.7B | |
| R-Value | 0.89 | |
| Mean Square Error | 97975.9T | |
| R-Squared | 0.79 | |
| Slope | 115,260,999 | |
| Total Sum of Squares | 6889959T |
Jiayin Net Income History
Other Fundumenentals of Jiayin Group
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Jiayin Net Income component correlations
Jiayin Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Jiayin is extremely important. It helps to project a fair market value of Jiayin Stock properly, considering its historical fundamentals such as Net Income. Since Jiayin's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Jiayin's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Jiayin's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Consumer Finance sector continue expanding? Could Jiayin diversify its offerings? Factors like these will boost the valuation of Jiayin. Expected growth trajectory for Jiayin significantly influences the price investors are willing to assign. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Jiayin data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.447 | Dividend Share 5.838 | Earnings Share 10.17 | Revenue Per Share | Quarterly Revenue Growth 0.018 |
Jiayin Group's market price often diverges from its book value, the accounting figure shown on Jiayin's balance sheet. Smart investors calculate Jiayin's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Jiayin's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Jiayin's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Jiayin represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Jiayin's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Jiayin 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Jiayin's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Jiayin.
| 11/15/2025 |
| 02/13/2026 |
If you would invest 0.00 in Jiayin on November 15, 2025 and sell it all today you would earn a total of 0.00 from holding Jiayin Group or generate 0.0% return on investment in Jiayin over 90 days. Jiayin is related to or competes with Thryv Holdings, Taboola, ANGI Homeservices, Gray Television, Nextnav Acquisition, TechTarget Common, and Perion Network. Jiayin Group Inc. provides online consumer finance services in the Peoples Republic of China More
Jiayin Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Jiayin's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Jiayin Group upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.19) | |||
| Maximum Drawdown | 15.51 | |||
| Value At Risk | (5.74) | |||
| Potential Upside | 4.01 |
Jiayin Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Jiayin's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Jiayin's standard deviation. In reality, there are many statistical measures that can use Jiayin historical prices to predict the future Jiayin's volatility.| Risk Adjusted Performance | (0.13) | |||
| Jensen Alpha | (0.62) | |||
| Total Risk Alpha | (0.78) | |||
| Treynor Ratio | (0.36) |
Jiayin February 13, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.13) | |||
| Market Risk Adjusted Performance | (0.35) | |||
| Mean Deviation | 2.41 | |||
| Coefficient Of Variation | (612.19) | |||
| Standard Deviation | 3.09 | |||
| Variance | 9.55 | |||
| Information Ratio | (0.19) | |||
| Jensen Alpha | (0.62) | |||
| Total Risk Alpha | (0.78) | |||
| Treynor Ratio | (0.36) | |||
| Maximum Drawdown | 15.51 | |||
| Value At Risk | (5.74) | |||
| Potential Upside | 4.01 | |||
| Skewness | 0.3435 | |||
| Kurtosis | 0.459 |
Jiayin Group Backtested Returns
Jiayin Group holds Efficiency (Sharpe) Ratio of -0.16, which attests that the entity had a -0.16 % return per unit of risk over the last 3 months. Jiayin Group exposes twenty-three different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check out Jiayin's Risk Adjusted Performance of (0.13), market risk adjusted performance of (0.35), and Standard Deviation of 3.09 to validate the risk estimate we provide. The company retains a Market Volatility (i.e., Beta) of 1.44, which attests to a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Jiayin will likely underperform. At this point, Jiayin Group has a negative expected return of -0.5%. Please make sure to check out Jiayin's total risk alpha, as well as the relationship between the skewness and day median price , to decide if Jiayin Group performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.35 |
Poor reverse predictability
Jiayin Group has poor reverse predictability. Overlapping area represents the amount of predictability between Jiayin time series from 15th of November 2025 to 30th of December 2025 and 30th of December 2025 to 13th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Jiayin Group price movement. The serial correlation of -0.35 indicates that nearly 35.0% of current Jiayin price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.35 | |
| Spearman Rank Test | 0.07 | |
| Residual Average | 0.0 | |
| Price Variance | 0.12 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Jiayin Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Jiayin Group reported net income of 1.06 B. This is 33.77% lower than that of the Consumer Finance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 85.03% lower than that of the firm.
Jiayin Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Jiayin's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Jiayin could also be used in its relative valuation, which is a method of valuing Jiayin by comparing valuation metrics of similar companies.Jiayin is currently under evaluation in net income category among its peers.
Jiayin Current Valuation Drivers
We derive many important indicators used in calculating different scores of Jiayin from analyzing Jiayin's financial statements. These drivers represent accounts that assess Jiayin's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Jiayin's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 756.6M | 853.7M | 2.0B | 2.5B | 2.8B | 3.1B | |
| Enterprise Value | 609.3M | 590.2M | 1.6B | 2.0B | 2.3B | 2.9B |
Jiayin ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Jiayin's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Jiayin's managers, analysts, and investors.Environmental | Governance | Social |
Jiayin Institutional Holders
Institutional Holdings refers to the ownership stake in Jiayin that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Jiayin's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Jiayin's value.| Shares | Amvescap Plc. | 2025-06-30 | 11.5 K | E Fund Management (hk) Co., Ltd | 2025-06-30 | 6.2 K | Simplex Trading, Llc | 2025-06-30 | 5.7 K | Tidemark Llc | 2025-06-30 | 4.7 K | Hanson Mcclain Inc | 2025-06-30 | 4.2 K | Global Retirement Partners, Llc. | 2025-06-30 | 2.2 K | Tower Research Capital Llc | 2025-06-30 | 1.2 K | Rhumbline Advisers | 2025-06-30 | 1.1 K | Wells Fargo & Co | 2025-06-30 | 649 | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 167.6 K | Susquehanna International Group, Llp | 2025-06-30 | 81.2 K |
Jiayin Fundamentals
| Return On Equity | 0.48 | ||||
| Return On Asset | 0.2 | ||||
| Profit Margin | 0.26 % | ||||
| Operating Margin | 0.31 % | ||||
| Current Valuation | 322.95 M | ||||
| Shares Outstanding | 26.37 M | ||||
| Shares Owned By Institutions | 3.75 % | ||||
| Number Of Shares Shorted | 83.88 K | ||||
| Price To Earning | 2.79 X | ||||
| Price To Book | 0.55 X | ||||
| Price To Sales | 0.05 X | ||||
| Revenue | 5.8 B | ||||
| Gross Profit | 5.29 B | ||||
| EBITDA | 1.27 B | ||||
| Net Income | 1.06 B | ||||
| Cash And Equivalents | 213.88 M | ||||
| Cash Per Share | 3.96 X | ||||
| Total Debt | 51.68 M | ||||
| Debt To Equity | 0.06 % | ||||
| Current Ratio | 1.61 X | ||||
| Book Value Per Share | 12.13 X | ||||
| Cash Flow From Operations | 1.43 B | ||||
| Short Ratio | 1.03 X | ||||
| Earnings Per Share | 10.17 X | ||||
| Target Price | 11.31 | ||||
| Number Of Employees | 1.03 K | ||||
| Beta | 0.79 | ||||
| Market Capitalization | 337.83 M | ||||
| Total Asset | 5.41 B | ||||
| Retained Earnings | 2.24 B | ||||
| Working Capital | 2.32 B | ||||
| Annual Yield | 0.13 % | ||||
| Net Asset | 5.41 B | ||||
| Last Dividend Paid | 5.84 |
About Jiayin Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Jiayin Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Jiayin using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Jiayin Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Jiayin
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Jiayin position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Jiayin will appreciate offsetting losses from the drop in the long position's value.Moving together with Jiayin Stock
Moving against Jiayin Stock
| 0.81 | ECPG | Encore Capital Group | PairCorr |
| 0.8 | BFH | Bread Financial Holdings | PairCorr |
| 0.74 | ENVA | Enova International | PairCorr |
| 0.65 | GDOT | Green Dot Earnings Call This Week | PairCorr |
| 0.64 | PRG | PROG Holdings Earnings Call This Week | PairCorr |
The ability to find closely correlated positions to Jiayin could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Jiayin when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Jiayin - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Jiayin Group to buy it.
The correlation of Jiayin is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Jiayin moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Jiayin Group moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Jiayin can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out You can also try the Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.
Will Consumer Finance sector continue expanding? Could Jiayin diversify its offerings? Factors like these will boost the valuation of Jiayin. Expected growth trajectory for Jiayin significantly influences the price investors are willing to assign. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Jiayin data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.447 | Dividend Share 5.838 | Earnings Share 10.17 | Revenue Per Share | Quarterly Revenue Growth 0.018 |
Jiayin Group's market price often diverges from its book value, the accounting figure shown on Jiayin's balance sheet. Smart investors calculate Jiayin's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Jiayin's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Jiayin's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Jiayin represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Jiayin's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.