JFIN vs QFIN
Jiayin Group Inc. and Qfin Holdings, Inc., side by side — 9 fiscal years reported in CNY, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | JFIN | QFIN |
|---|---|---|
| Revenue | ¥6.2B | ¥19.2B |
| Net income | ¥1.5B | ¥6.0B |
| Gross margin | — | 84.4% |
| Net margin | 24.7% | 31.1% |
| Return on equity | 40.6% | 24.7% |
| Diluted EPS | — | ¥22.01 |
| Dividend / share | — | — |
| Payout ratio | 65.4% | — |
| Free cash flow | ¥622.3M | ¥10.8B |
| Equity | ¥4.4B | ¥24.1B |
| Net debt / equity | 0.12× | −0.17× |
| Current ratio | 1.88× | 2.43× |
| Revenue CAGR 5y | 36.8% | 7.2% |
| Profit CAGR 5y | 43.4% | 11.3% |
QFIN bills 3.1× the revenue of JFIN, and keeps more of each dollar of revenue as profit (31.1% against 24.7%).
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
9 years side by side
| Fiscal year | JFIN | QFIN |
|---|---|---|
| FY2025 | ¥6.2B | ¥19.2B |
| FY2024 | ¥5.8B | ¥17.2B |
| FY2023 | ¥5.5B | ¥16.3B |
| FY2022 | ¥3.3B | ¥16.6B |
| FY2021 | ¥1.8B | ¥16.6B |
| FY2020 | ¥1.3B | ¥13.6B |
| FY2019 | ¥2.2B | ¥9.2B |
| FY2018 | ¥2.9B | ¥4.4B |
| FY2017 | ¥2.3B | ¥788.1M |
Net income by year
Bottom line
| Fiscal year | JFIN | QFIN |
|---|---|---|
| FY2025 | ¥1.5B | ¥6.0B |
| FY2024 | ¥1.1B | ¥6.2B |
| FY2023 | ¥1.3B | ¥4.3B |
| FY2022 | ¥1.2B | ¥4.0B |
| FY2021 | ¥472.1M | ¥5.8B |
| FY2020 | ¥252.9M | ¥3.5B |
| FY2019 | ¥527.7M | ¥2.5B |
| FY2018 | ¥611.8M | ¥1.2B |
| FY2017 | ¥539.5M | ¥164.9M |
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