JFIN vs YRD
Jiayin Group Inc. and Yiren Digital Ltd., side by side — 9 fiscal years reported in CNY, drawn from SEC filings.
At a glance
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.
Revenue by year
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 |
Net income by year
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 |