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 | CNY 6.2B | CNY 8.2B |
| Net income | CNY 1.5B | CNY -3.9B |
| Gross margin | — | — |
| Net margin | 24.7% | −44.2% |
| Return on equity | 40.6% | −4.5% |
| Diluted EPS | CNY 7.35 | — |
| Dividend / share | — | — |
| Payout ratio | — | −132.6% |
| Free cash flow | CNY 622.3M | — |
| Equity | CNY 4.4B | CNY 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.
Revenue by year
7 years side by side
| Fiscal year | JFIN | LU |
|---|---|---|
| FY2024 | CNY 5.8B | CNY 8.2B |
| FY2023 | CNY 5.5B | CNY 15.3B |
| FY2022 | CNY 3.3B | CNY 29.2B |
| FY2021 | CNY 1.8B | CNY 38.3B |
| FY2020 | CNY 1.3B | CNY 41.2B |
| FY2019 | CNY 2.2B | CNY 41.9B |
| FY2018 | CNY 2.9B | CNY 32.2B |
Net income by year
Bottom line
| Fiscal year | JFIN | LU |
|---|---|---|
| FY2024 | CNY 1.1B | CNY -3.9B |
| FY2023 | CNY 1.3B | CNY 809.6M |
| FY2022 | CNY 1.2B | CNY 7.8B |
| FY2021 | CNY 472.1M | CNY 16.8B |
| FY2020 | CNY 252.9M | CNY 12.4B |
| FY2019 | CNY 527.7M | CNY 13.3B |
| FY2018 | CNY 611.8M | CNY 13.6B |