FINV vs JFIN
FinVolution Group and Jiayin Group Inc., side by side — 9 fiscal years reported in CNY, drawn from SEC filings.
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. "·" marks a figure not available in our data.
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 4.5B | CNY 2.9B |
| FY2017 | CNY 3.9B | CNY 2.3B |
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 |
9 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +CNY 7,347,293,000 | FINV |
| FY2024 | +CNY 7,264,792,000 | FINV |
| FY2023 | +CNY 7,080,572,000 | FINV |
| FY2022 | +CNY 7,862,789,000 | FINV |
| FY2021 | +CNY 7,689,638,000 | FINV |
| FY2020 | +CNY 6,262,927,000 | FINV |
| FY2019 | +CNY 3,732,581,000 | FINV |
| FY2018 | +CNY 1,661,733,000 | FINV |
| FY2017 | +CNY 1,676,373,000 | FINV |
FINV has reported the higher revenue in every one of these 9 fiscal years. The gap has widened since the earliest year compared.
9 of 11 comparable fiscal years — a year missing data on either side is not counted.
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −5.9 pp | JFIN |
| FY2024 | +0.1 pp | FINV |
| FY2023 | −4.7 pp | JFIN |
| FY2022 | −15.6 pp | JFIN |
| FY2021 | −2.3 pp | JFIN |
| FY2020 | +5.3 pp | FINV |
| FY2017 | +0.3 pp | FINV |
The higher net margin has changed hands between FINV and JFIN over this period.
7 of 11 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
JFIN's net margin has been more volatile than FINV's over the 7 comparable fiscal years — 5.4 percentage points of standard deviation against 3.8.
7 of 11 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between FINV and JFIN over these 7 fiscal years — FINV led in 3 and JFIN in 4.
7 of 11 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
JFIN's return on equity has been more volatile than FINV's over the 4 comparable fiscal years — 60.1 percentage points of standard deviation against 1.4.
4 of 8 comparable fiscal years — a year missing data on either side is not counted.
Year by year
JFIN led in return on equity in every one of the 4 comparable fiscal years — a structural lead, not a recent swing.
4 of 8 comparable fiscal years — a year missing data on either side is not counted.