HTT vs JFIN
High Templar Tech Ltd. and Jiayin Group Inc., side by side — 9 fiscal years reported in CNY, drawn from SEC filings.
Most recent reported year
| Metric | HTT | JFIN |
|---|---|---|
| Revenue | CNY 41.0M | CNY 6.2B |
| Net income | CNY 708.6M | CNY 1.5B |
| Gross margin | 81.1% | · |
| Net margin | · | 24.7% |
| Return on equity | 6.2% | 40.6% |
| Diluted EPS | · | CNY 7.35 |
| Dividend / share | · | · |
| Payout ratio | · | · |
| Free cash flow | CNY 570.4M | CNY 622.3M |
| Equity | CNY 11.6B | CNY 4.4B |
| Net debt / equity | −0.34× | 0.12× |
| Current ratio | 5.75× | 1.88× |
| Revenue CAGR 5y | −59.3% | 36.8% |
| Profit CAGR 5y | −5.9% | 43.4% |
JFIN bills 151.9× the revenue of HTT.
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 | HTT | JFIN |
|---|---|---|
| FY2025 | CNY 41.0M | CNY 6.2B |
| FY2024 | CNY 216.4M | CNY 5.8B |
| FY2023 | CNY 126.3M | CNY 5.5B |
| FY2022 | CNY 577.5M | CNY 3.3B |
| FY2021 | CNY 1.7B | CNY 1.8B |
| FY2020 | CNY 3.7B | CNY 1.3B |
| FY2019 | CNY 8.8B | CNY 2.2B |
| FY2018 | CNY 7.7B | CNY 2.9B |
| FY2017 | CNY 4.8B | CNY 2.3B |
Bottom line
| Fiscal year | HTT | JFIN |
|---|---|---|
| FY2025 | CNY 708.6M | CNY 1.5B |
| FY2024 | CNY 91.7M | CNY 1.1B |
| FY2023 | CNY 39.1M | CNY 1.3B |
| FY2022 | CNY -362.0M | CNY 1.2B |
| FY2021 | CNY 589.1M | CNY 472.1M |
| FY2020 | CNY 958.8M | CNY 252.9M |
| FY2019 | CNY 3.3B | CNY 527.7M |
| FY2018 | CNY 2.5B | CNY 611.8M |
| FY2017 | CNY 2.2B | CNY 539.5M |
9 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −CNY 6,181,226,374 | JFIN |
| FY2024 | −CNY 5,584,603,626 | JFIN |
| FY2023 | −CNY 5,340,534,647 | JFIN |
| FY2022 | −CNY 2,693,920,636 | JFIN |
| FY2021 | −CNY 126,447,460 | JFIN |
| FY2020 | +CNY 2,387,813,887 | HTT |
| FY2019 | +CNY 6,609,867,542 | HTT |
| FY2018 | +CNY 4,810,402,304 | HTT |
| FY2017 | +CNY 2,524,516,052 | HTT |
The higher-revenue side has changed between HTT and JFIN over this period. 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.
6 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | +24.2 pp | HTT |
| FY2023 | +7.2 pp | HTT |
| FY2022 | −98.8 pp | JFIN |
| FY2021 | +6.8 pp | HTT |
| FY2020 | +5.3 pp | HTT |
| FY2017 | +18.0 pp | HTT |
The higher net margin has changed hands between HTT and JFIN over this period.
6 of 11 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
HTT's net margin has been more volatile than JFIN's over the 6 comparable fiscal years — 37.4 percentage points of standard deviation against 5.8.
6 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 HTT and JFIN over these 6 fiscal years — HTT led in 5 and JFIN in 1.
6 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 HTT's over the 4 comparable fiscal years — 60.1 percentage points of standard deviation against 3.3.
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.