JFIN vs YRD
Jiayin Group Inc. and Yiren Digital Ltd., side by side — 9 fiscal years reported in CNY, drawn from SEC filings.
Most recent reported year
| Metric | JFIN | YRD |
|---|---|---|
| Revenue | CNY 6.2B | CNY 5.7B |
| Net income | CNY 1.5B | CNY 54.5M |
| Gross margin | · | · |
| Net margin | 24.7% | 1.0% |
| Return on equity | 40.6% | 0.6% |
| Diluted EPS | CNY 7.35 | CNY 0.31 |
| Dividend / share | · | · |
| Payout ratio | · | 500.9% |
| Free cash flow | CNY 622.3M | CNY 677.9M |
| Equity | CNY 4.4B | CNY 9.3B |
| Net debt / equity | 0.12× | −0.36× |
| Current ratio | 1.88× | · |
| Revenue CAGR 5y | 36.8% | 7.6% |
| Profit CAGR 5y | 43.4% | · |
JFIN and YRD book revenue within 15% of each other, and keeps more of each dollar of revenue as profit (24.7% against 1.0%).
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 | YRD |
|---|---|---|
| FY2025 | CNY 6.2B | CNY 5.7B |
| FY2024 | CNY 5.8B | CNY 5.8B |
| FY2023 | CNY 5.5B | CNY 4.9B |
| FY2022 | CNY 3.3B | CNY 3.4B |
| FY2021 | CNY 1.8B | CNY 4.5B |
| FY2020 | CNY 1.3B | CNY 4.0B |
| FY2019 | CNY 2.2B | CNY 8.6B |
| FY2018 | CNY 2.9B | CNY 11.2B |
| FY2017 | CNY 2.3B | CNY 11.5B |
Bottom line
| Fiscal year | JFIN | YRD |
|---|---|---|
| FY2025 | CNY 1.5B | CNY 54.5M |
| FY2024 | CNY 1.1B | CNY 1.6B |
| FY2023 | CNY 1.3B | CNY 2.1B |
| FY2022 | CNY 1.2B | CNY 1.2B |
| FY2021 | CNY 472.1M | CNY 1.0B |
| FY2020 | CNY 252.9M | CNY -692.7M |
| FY2019 | CNY 527.7M | CNY 1.2B |
| FY2018 | CNY 611.8M | CNY 1.6B |
| FY2017 | CNY 539.5M | CNY -188.1M |
9 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +CNY 502,970,000 | JFIN |
| FY2024 | −CNY 4,869,000 | YRD |
| FY2023 | +CNY 571,240,000 | JFIN |
| FY2022 | −CNY 163,206,000 | YRD |
| FY2021 | −CNY 2,697,439,000 | YRD |
| FY2020 | −CNY 2,661,802,000 | YRD |
| FY2019 | −CNY 6,386,608,000 | YRD |
| FY2018 | −CNY 8,362,174,000 | YRD |
| FY2017 | −CNY 9,283,958,000 | YRD |
The higher-revenue side has changed between JFIN and YRD over this period. The gap has narrowed since the earliest year compared.
9 of 13 comparable fiscal years — a year missing data on either side is not counted.
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +23.7 pp | JFIN |
| FY2024 | −9.0 pp | YRD |
| FY2023 | −18.8 pp | YRD |
| FY2022 | −8.9 pp | YRD |
| FY2021 | +0.7 pp | JFIN |
| FY2020 | +48.8 pp | JFIN |
| FY2017 | +29.1 pp | JFIN |
The higher net margin has changed hands between JFIN and YRD over this period.
7 of 13 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
YRD's net margin has been more volatile than JFIN's over the 7 comparable fiscal years — 24.8 percentage points of standard deviation against 5.4.
7 of 13 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 YRD over these 7 fiscal years — JFIN led in 4 and YRD in 3.
7 of 13 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 YRD's over the 4 comparable fiscal years — 60.1 percentage points of standard deviation against 10.6.
4 of 9 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 9 comparable fiscal years — a year missing data on either side is not counted.