FINV vs JFIN
FinVolution Group and Jiayin Group Inc., side by side — 9 fiscal years reported in CNY, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | FINV | JFIN |
|---|---|---|
| Revenue | CNY 13.6B | CNY 6.2B |
| Net income | CNY 2.5B | CNY 1.5B |
| Gross margin | — | — |
| Net margin | 18.8% | 24.7% |
| Return on equity | 16.0% | 40.6% |
| Diluted EPS | CNY 1.92 | CNY 7.35 |
| Dividend / share | — | — |
| Payout ratio | 20.1% | — |
| Free cash flow | CNY 1.8B | CNY 622.3M |
| Equity | CNY 16.6B | CNY 4.4B |
| Net debt / equity | −0.24× | 0.12× |
| Current ratio | — | 1.88× |
| Revenue CAGR 5y | 12.4% | 36.8% |
| Profit CAGR 5y | 5.2% | 43.4% |
FINV bills 2.2× the revenue of JFIN, and JFIN keeps more of each dollar of revenue as profit (24.7% against 18.8%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
Revenue by year
9 years side by side
| Fiscal year | FINV | JFIN |
|---|---|---|
| FY2025 | CNY 13.6B | CNY 6.2B |
| FY2024 | CNY 13.1B | CNY 5.8B |
| FY2023 | CNY 12.5B | CNY 5.5B |
| FY2022 | CNY 11.1B | CNY 3.3B |
| FY2021 | CNY 9.5B | CNY 1.8B |
| FY2020 | CNY 7.6B | CNY 1.3B |
| FY2019 | CNY 6.0B | CNY 2.2B |
| FY2018 | CNY 4.2B | CNY 2.9B |
| FY2017 | CNY 3.9B | CNY 2.3B |
Net income by year
Bottom line
| Fiscal year | FINV | JFIN |
|---|---|---|
| FY2025 | CNY 2.5B | CNY 1.5B |
| FY2024 | CNY 2.4B | CNY 1.1B |
| FY2023 | CNY 2.3B | CNY 1.3B |
| FY2022 | CNY 2.3B | CNY 1.2B |
| FY2021 | CNY 2.5B | CNY 472.1M |
| FY2020 | CNY 2.0B | CNY 252.9M |
| FY2019 | CNY 2.4B | CNY 527.7M |
| FY2018 | CNY 2.5B | CNY 611.8M |
| FY2017 | CNY 1.1B | CNY 539.5M |