JFIN vs LU
Jiayin Group Inc. and Lufax Holding Ltd., side by side — 7 fiscal years reported in CNY, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | JFIN | LU |
|---|---|---|
| Revenue | ¥6.2B | ¥8.2B |
| Net income | ¥1.5B | ¥-3.9B |
| Gross margin | — | — |
| Net margin | 24.7% | −47.4% |
| Return on equity | 40.6% | −4.5% |
| Diluted EPS | — | ¥0.71 |
| Dividend / share | — | — |
| Payout ratio | 65.4% | −132.6% |
| Free cash flow | ¥622.3M | — |
| Equity | ¥4.4B | ¥81.8B |
| Net debt / equity | 0.12× | 0.48× |
| Current ratio | 1.88× | — |
| Revenue CAGR 5y | 36.8% | −27.9% |
| Profit CAGR 5y | 43.4% | — |
LU bills 1.3× the revenue of JFIN, and LU closed the last reported year at a loss.
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
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Revenue by year
7 years side by side
| Fiscal year | JFIN | LU |
|---|---|---|
| FY2024 | ¥5.8B | ¥8.2B |
| FY2023 | ¥5.5B | ¥15.3B |
| FY2022 | ¥3.3B | ¥29.2B |
| FY2021 | ¥1.8B | ¥38.3B |
| FY2020 | ¥1.3B | ¥41.2B |
| FY2019 | ¥2.2B | ¥41.9B |
| FY2018 | ¥2.9B | ¥32.2B |
Net income by year
Bottom line
| Fiscal year | JFIN | LU |
|---|---|---|
| FY2024 | ¥1.1B | ¥-3.9B |
| FY2023 | ¥1.3B | ¥809.6M |
| FY2022 | ¥1.2B | ¥7.8B |
| FY2021 | ¥472.1M | ¥16.8B |
| FY2020 | ¥252.9M | ¥12.4B |
| FY2019 | ¥527.7M | ¥13.3B |
| FY2018 | ¥611.8M | ¥13.6B |
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