Jiayin Group (ADR) (JFIN)
Connects individual borrowers in China with institutional funding partners through a proprietary online platform.
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Connects individual borrowers in China with institutional funding partners through an online consumer-finance platform. It earns mainly from loan-facilitation services, with guarantee-liability releases and other services adding revenue.
Operating a China-based online consumer-finance platform, it connects individual borrowers with institutional funding partners. Its primary revenue source is loan facilitation, alongside guarantee-liability releases and other services.
The platform uses proprietary risk assessment, data analytics, and algorithms to support borrower evaluation. Operations are conducted through PRC subsidiaries and a consolidated VIE, while the Cayman parent relies on contractual arrangements with Jiayin Technology for certain operating activities.
China’s online loan-facilitation rules shape its compliance and risk-management practices. The current regulatory framework includes partner-platform whitelists for banks and limits certain borrower-facing platform and credit-enhancement fees.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $75.3M · Total debt $95.2M · Total assets $1.28B · Shareholders' equity $629.0M
- Revenue
- $110.1M
- Operating income
- −$36.9M
- Net income
- −$27.4M
Reported in CNY, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | 1.10% | 571.7K ADS | |
|---|---|---|---|
| 30 holders · as of Jun 30, 2026 | |||
| Insiders | 4.56% | 2.37M ADS | |
| 6 holders · as of Jul 9, 2026 | |||
| Other | 94.34% | 49.02M ADS | |
| remainder | |||
51.96M ADS (1 ADS = 4 ordinary shares) as of Sep 7, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count is from the company's Dec 2022 annual report; nothing newer is on file here.
This company has 2 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Yifang XuInsiderdirector | 3.11% | 6.45M A ordinary | filed Jun 24, 2026 |
Chunlin FanInsiderofficer: Chief financial officer | 0.87% | 1.80M A ordinary | filed Jun 24, 2026 |
Xiaojing LuInsiderdirector | 0.23% | 472,604 A ordinary | filed Jul 9, 2026 |
Dimensional Fund Advisors LPInstitution | 0.19% | 100,648 A ADS | as of Jun 30, 2026 |
Libin WangInsiderdirector, officer: Vice president of finance | 0.19% | 400,000 A ordinary | filed Mar 18, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
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CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Jiayin Group (ADR) | $1.59 | +2.58% | $80.5M | 2.2 | 1.7 | 0.1 | −58.7% |
| Qfin (ADR) | $7.90 | +0.32% | $1.03B | 1.1 | 4.6 | 0.4 | −13.0% |
| FinVolution Group (ADR) | $3.26 | 0.00% | $807.3M | 3.0 | — | 0.4 | +0.4% |
| LexinFintech (ADR) | $0.7800 | +2.24% | $129.7M | 0.9 | — | 0.1 | −6.3% |
| Lufax (ADR) | $1.17 | +0.86% | $1.01B | — | 0.5 | 0.2 | — |
| Yiren Digital (ADR) | $0.9666 | −2.49% | $85.2M | — | 1.3 | 0.1 | +559.9% |
| Median | 1.1 | 1.3 | 0.2 | −3.0% |