JFIN vs LX
Jiayin Group Inc. and LexinFintech Holdings Ltd., side by side — 9 fiscal years reported in CNY, drawn from SEC filings.
Most recent reported year
| Metric | JFIN | LX |
|---|---|---|
| Revenue | CNY 6.2B | CNY 13.2B |
| Net income | CNY 1.5B | CNY 1.7B |
| Gross margin | · | 34.0% |
| Net margin | 24.7% | 12.8% |
| Return on equity | 40.6% | 14.8% |
| Diluted EPS | CNY 7.35 | CNY 4.72 |
| Dividend / share | · | · |
| Payout ratio | · | 22.8% |
| Free cash flow | CNY 622.3M | CNY 3.3B |
| Equity | CNY 4.4B | · |
| Net debt / equity | 0.12× | −0.12× |
| Current ratio | 1.88× | 1.89× |
| Revenue CAGR 5y | 36.8% | 2.5% |
| Profit CAGR 5y | 43.4% | 23.0% |
LX bills 2.1× the revenue of JFIN, and JFIN keeps more of each dollar of revenue as profit (24.7% against 12.8%).
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 | JFIN | LX |
|---|---|---|
| FY2025 | CNY 6.2B | CNY 13.2B |
| FY2024 | CNY 5.8B | CNY 14.2B |
| FY2023 | CNY 5.5B | CNY 13.1B |
| FY2022 | CNY 3.3B | CNY 9.9B |
| FY2021 | CNY 1.8B | CNY 11.4B |
| FY2020 | CNY 1.3B | CNY 11.6B |
| FY2019 | CNY 2.2B | CNY 10.6B |
| FY2018 | CNY 2.9B | CNY 7.6B |
| FY2017 | CNY 2.3B | CNY 5.6B |
Bottom line
| Fiscal year | JFIN | LX |
|---|---|---|
| FY2025 | CNY 1.5B | CNY 1.7B |
| FY2024 | CNY 1.1B | CNY 1.1B |
| FY2023 | CNY 1.3B | CNY 1.1B |
| FY2022 | CNY 1.2B | CNY 825.9M |
| FY2021 | CNY 472.1M | CNY 2.3B |
| FY2020 | CNY 252.9M | CNY 595.0M |
| FY2019 | CNY 527.7M | CNY 2.3B |
| FY2018 | CNY 611.8M | CNY 2.0B |
| FY2017 | CNY 539.5M | CNY 240.4M |
9 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −CNY 6,929,897,000 | LX |
| FY2024 | −CNY 8,402,562,000 | LX |
| FY2023 | −CNY 7,590,209,000 | LX |
| FY2022 | −CNY 6,594,397,000 | LX |
| FY2021 | −CNY 9,600,035,000 | LX |
| FY2020 | −CNY 10,345,095,000 | LX |
| FY2019 | −CNY 8,373,331,000 | LX |
| FY2018 | −CNY 4,714,956,000 | LX |
| FY2017 | −CNY 3,331,339,000 | LX |
LX 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 | +11.9 pp | JFIN |
| FY2024 | +10.5 pp | JFIN |
| FY2023 | +15.6 pp | JFIN |
| FY2022 | +27.7 pp | JFIN |
| FY2021 | +8.1 pp | JFIN |
| FY2020 | +15.6 pp | JFIN |
| FY2017 | +23.0 pp | JFIN |
JFIN has kept the higher net margin in every one of these 7 fiscal years.
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 LX's over the 7 comparable fiscal years — 5.4 percentage points of standard deviation against 5.1.
7 of 11 comparable fiscal years — a year missing data on either side is not counted.
Year by year
JFIN led in net margin in every one of the 7 comparable fiscal years — a structural lead, not a recent swing.
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 LX's over the 4 comparable fiscal years — 60.1 percentage points of standard deviation against 1.8.
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.