JFIN vs LU
Jiayin Group Inc. and Lufax Holding Ltd., side by side — 7 fiscal years reported in CNY, drawn from SEC filings.
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. "·" marks a figure not available in our data.
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 |
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 |
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | −CNY 2,359,990,000 | LU |
| FY2023 | −CNY 9,851,871,000 | LU |
| FY2022 | −CNY 25,943,199,000 | LU |
| FY2021 | −CNY 36,513,827,000 | LU |
| FY2020 | −CNY 39,921,682,000 | LU |
| FY2019 | −CNY 39,698,901,000 | LU |
| FY2018 | −CNY 29,339,499,000 | LU |
LU has reported the higher revenue in every one of these 7 fiscal years. The gap has narrowed since the earliest year compared.
7 of 9 comparable fiscal years — a year missing data on either side is not counted.
5 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | +62.4 pp | JFIN |
| FY2023 | +17.5 pp | JFIN |
| FY2022 | +9.2 pp | JFIN |
| FY2021 | −15.0 pp | LU |
| FY2020 | −9.1 pp | LU |
The higher net margin has changed hands between JFIN and LU over this period.
5 of 9 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
LU's net margin has been more volatile than JFIN's over the 5 comparable fiscal years — 30.7 percentage points of standard deviation against 6.3.
5 of 9 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between JFIN and LU over these 5 fiscal years — JFIN led in 3 and LU in 2.
5 of 9 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 LU's over the 3 comparable fiscal years — 63.1 percentage points of standard deviation against 5.3.
3 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 3 comparable fiscal years — a structural lead, not a recent swing.
3 of 8 comparable fiscal years — a year missing data on either side is not counted.