← Jiayin Group Inc.
| Annual Trend | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||
| Current assets: | |||||||||
| Cash and Cash Equivalents, at Carrying Value | $41.4m | $17.5m | $18.0m | $28.6m | $42.2m | $52.1m | $74.1m | $8.8m | |
| Accounts Receivable | $336.8m | $20.0m | $109.9m | $315.9m | $1.3b | $1.6b | $2.7b | $3.7b | |
| Prepaid Expense and Other Assets, Current | $88.2m | $13.1m | $9.4m | $9.8m | $68.6m | $270.6m | $51.8m | $259.1m | |
| Short-term Investments | — | $10.0m | $0 | $0 | $0 | — | — | — | |
| Cash and cash equivalents | $41.4m | $122.1m | $117.3m | $182.6m | $291.0m | $370.2m | $540.5m | $61.8m | |
| Accounts receivable and contract assets, net (net of allowance for credit losses of RMB21,200 and RMB23,898 as of December 31, 2024 and 2025, respectively) | — | $139.2m | $158.1m | $502.4m | $1.7b | $2.1b | $3.0b | $3.7b | |
| Financial assets receivable, net (net of allowance for credit losses of RMB1,250 and RMB385 as of December 31, 2024 and 2025, respectively) | — | — | — | $329k | $292.3m | $991.6m | $293.5m | $601.6m | |
| Prepaid expenses and other current assets, net (net of allowance for credit losses of RMB771 and RMB10,849 as of December 31, 2024 and 2025, respectively) | $88.2m | $91.0m | $61.3m | $62.3m | $472.8m | $1.9b | $378.0m | $1.8b | |
| Allowance For Doubtful Accounts Receivable | — | — | — | — | ($2.5m) | ($13.8m) | ($21.2m) | ($23.8m) | |
| Cash Cash Equivalents And Short Term Investments | — | — | — | — | $291.0m | $370.2m | $540.5m | $61.8m | |
| Gross Accounts Receivable | — | — | — | — | $1.3b | $1.6b | $3.0b | $3.8b | |
| Loans Receivable | — | — | — | $329k | $3.2m | $2.8m | $0 | — | |
| Other Current Assets | — | — | — | — | $58.4m | $78.1m | $34.8m | $137.2m | |
| Other Receivables | — | — | — | — | $713.8m | $2.4b | $499.3m | $1.2b | |
| Prepaid Assets | — | — | — | $19.4m | $16.5m | — | $0 | $854.6m | |
| Assets, Current | — | — | — | — | — | — | — | $989.9m | |
| TOTAL CURRENT ASSETS | $4.3b | $6.9b | |||||||
| Long-term investments, net | — | $3.8m | $87.6m | $90.5m | $90.5m | $101.5m | $162.3m | $302.1m | |
| Property, Plant and Equipment, Net | $29.0m | $5.6m | $3.0m | $1.4m | $2.7m | $5.7m | $6.1m | $189.8m | |
| Operating Lease, Right-of-Use Asset | — | $37.2m | $6.9m | $5.6m | $4.0m | $7.0m | $7.2m | $4.5m | |
| Other Assets, Noncurrent | $212k | — | — | $195k | $255k | $319k | $101.0m | $10.9m | |
| Right-of-use assets | — | $37.2m | $6.9m | $35.5m | $27.6m | $49.7m | $52.8m | $31.2m | |
| Additional Financial Items | |||||||||
| Accrued Liabilities, Current | — | — | — | — | $254.9m | $313.0m | $467.0m | $664.0m | |
| Restricted cash | $41.5m | $0 | $2.0m | $2.0m | $2.0m | $2.4m | $137.3m | $413.6m | |
| Amounts due from related parties | — | $130.7m | $542k | — | $17.8m | $509k | $4.4m | $301.2m | |
| Deferred tax assets , net | $56.0m | $9.8m | $40.9m | $48.5m | $70.8m | $61.2m | $72.4m | $96.5m | |
| Other non-current assets | $212k | — | — | $1.2m | $1.8m | $2.3m | $737.6m | $76.5m | |
| Deferred guarantee income | — | — | — | — | $276.5m | $886.9m | $229.5m | $458.9m | |
| Contingent guarantee liabilities | — | — | — | — | — | $933.9m | $213.6m | $617.6m | |
| Payroll and welfare payables | $110.6m | $48.5m | $58.3m | $56.1m | $81.6m | $94.9m | $144.1m | $210.4m | |
| Amounts due to related parties | $84.5m | $872k | $8.8m | $4.5m | $566k | $11.3m | $89.9m | $41.2m | |
| Tax payables | $422.2m | $179.4m | $279.4m | $409.1m | $632.8m | $568.8m | $687.0m | $1.1b | |
| Accrued expenses and other current liabilities | $201.0m | $158.7m | $71.0m | $118.8m | $572.1m | $720.5m | $866.4m | $874.6m | |
| Lease liabilities, current | — | — | — | — | — | — | $23.4m | $25.3m | |
| Lease liabilities, non-current | — | — | — | — | — | — | $28.2m | $4.3m | |
| Ordinary shares value | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Accumulated Depreciation | — | — | — | — | ($75.8m) | ($84.8m) | ($102.1m) | ($117.6m) | |
| Available For Sale Securities | — | — | — | — | $51k | $51k | — | — | |
| Buildings And Improvements | — | — | — | — | — | — | $0 | $1.3b | |
| Capital Lease Obligations | — | — | — | — | $27.5m | $48.0m | $51.7m | $29.6m | |
| Current Accrued Expenses | — | — | — | — | $541.9m | $622.9m | $781.1m | $816.4m | |
| Current Capital Lease Obligation | — | — | — | — | $25.0m | $15.6m | $23.4m | $25.3m | |
| Current Debt And Capital Lease Obligation | — | — | — | — | $25.0m | $15.6m | $23.4m | $180.3m | |
| Current Deferred Liabilities | — | — | — | — | $276.5m | $927.0m | $229.5m | $458.9m | |
| Duefrom Related Parties Current | — | — | — | — | $17.8m | $509k | $4.4m | $301.2m | |
| Dueto Related Parties Current | — | — | — | — | $566k | $11.3m | $89.9m | $288.1m | |
| Gross PPE | — | — | — | — | $122.3m | $174.8m | $199.3m | $1.5b | |
| Invested Capital | — | — | — | — | $1.2b | $2.4b | $3.1b | $5.1b | |
| Investmentin Financial Assets | — | — | — | — | $51k | $51k | — | — | |
| Investments And Advances | — | — | — | — | $90.5m | $101.5m | $162.3m | $302.1m | |
| Leases | — | — | — | $8.1m | $8.1m | $8.1m | $8.1m | — | |
| Line Of Credit | — | — | — | — | — | — | $0 | $70.4m | |
| Long Term Capital Lease Obligation | — | — | — | — | $2.5m | $48.0m | $28.2m | $4.3m | |
| Long Term Equity Investment | — | — | — | — | $90.4m | $101.4m | — | — | |
| Machinery Furniture Equipment | — | — | — | — | $12.3m | $13.4m | $21.1m | $25.1m | |
| Net PPE | — | — | — | — | $46.5m | $90.0m | $97.2m | $1.4b | |
| Net Tangible Assets | — | — | — | — | $1.2b | $2.4b | $3.1b | $4.4b | |
| Non Current Deferred Assets | — | — | — | — | $70.8m | $61.2m | $72.4m | $96.5m | |
| Non Current Deferred Liabilities | — | — | — | — | $0 | $40.1m | $70.5m | $106.9m | |
| Non Current Deferred Taxes Assets | — | — | — | — | $70.8m | $61.2m | $72.4m | $96.5m | |
| Ordinary Shares Number | — | — | — | — | $213.7m | $212.1m | $213.5m | $209.3m | |
| Other Current Liabilities | — | — | — | — | $30.2m | $57.5m | $228.5m | $675.8m | |
| Other Equity Adjustments | — | — | — | — | ($3.1m) | ($10.2m) | $7.1m | $10.9m | |
| Other Non Current Liabilities | — | — | — | — | — | $933.9m | $213.6m | $12.9m | |
| Other Payable | — | — | — | — | $269.9m | $94.9m | $144.1m | $210.4m | |
| Other Properties | — | — | — | — | $102.0m | $153.3m | $178.1m | $122.8m | |
| Payables | — | — | — | — | $903.2m | $675.0m | $921.0m | $1.6b | |
| Properties | — | — | — | — | $0 | $0 | $0 | $0 | |
| Share Issued | — | — | — | — | $216.1m | $216.1m | $216.1m | $216.1m | |
| Tangible Book Value | — | — | — | — | $1.2b | $2.4b | $3.1b | $4.4b | |
| Treasury Shares Number | — | — | — | — | $2.4m | $4.0m | $2.6m | $6.8m | |
| Working Capital | — | — | — | — | $1.0b | $3.1b | $2.1b | $3.2b | |
| TOTAL NON-CURRENT ASSETS | $209.5m | $254.9m | $1.1b | $1.8b | |||||
| TOTAL NON-CURRENT LIABILITIES | $98.7m | $640.1m | |||||||
| Total Jiayin Group shareholder's equity | ($1.7b) | ($741.9m) | ($461.6m) | $27.9m | $1.2b | $2.4b | $3.1b | $4.4b | |
| TOTAL SHAREHOLDERS' EQUITY | ($1.7b) | ($741.6m) | ($463.8m) | $25.7m | $1.2b | $2.4b | $3.1b | $4.4b | |
| Total Capitalization | — | — | — | — | $1.2b | $2.4b | $3.1b | $4.9b | |
| Total Debt | — | — | — | — | $27.5m | $48.0m | $51.7m | $700.6m | |
| Total Tax Payable | — | — | — | — | $632.8m | $568.8m | $687.0m | $1.1b | |
| Assets | $801.9m | $100.7m | $80.5m | $152.4m | $438.0m | $795.0m | $741.2m | $1.3b | |
| TOTAL ASSETS | $801.9m | $701.1m | $525.4m | $971.4m | $3.0b | $5.6b | $5.4b | $8.8b | |
| LIABILITIES AND EQUITY | |||||||||
| Current liabilities: | |||||||||
| Operating Lease, Liability, Current | — | $2.7m | $3.3m | $16.9m | $25.0m | $15.6m | — | $3.6m | |
| Operating Lease, Liability, Noncurrent | — | $32.5m | $1.9m | $18.3m | $2.5m | $32.4m | — | $614k | |
| Long-term Debt, Excluding Current Maturities | — | — | — | — | — | — | — | $73.8m | |
| Long-term Debt, Current Maturities | — | — | — | — | — | — | — | $84.6m | |
| Long-term Debt, Excluding Current Maturities | — | — | — | — | — | — | — | $73.8m | |
| Current Deferred Revenue | — | — | — | — | $276.5m | $886.9m | $229.5m | $458.9m | |
| Payables And Accrued Expenses | — | — | — | — | $1.4b | $1.3b | $1.7b | $2.4b | |
| Liabilities, Current | — | — | — | — | — | — | — | $526.9m | |
| TOTAL CURRENT LIABILITIES | $2.2b | $3.7b | |||||||
| Deferred Income Tax Liabilities, Net | — | — | — | — | — | — | — | $15.3m | |
| Other Liabilities, Noncurrent | — | — | — | — | — | — | — | $1.8m | |
| Deferred tax liabilities | — | — | — | — | — | — | $70.5m | $106.9m | |
| Current Deferred Taxes Liabilities | — | — | — | — | $0 | $40.1m | $70.5m | — | |
| Long Term Debt And Capital Lease Obligation | — | — | — | — | $2.5m | $48.0m | $28.2m | $520.3m | |
| Non Current Deferred Taxes Liabilities | — | — | — | — | — | — | $70.5m | $106.9m | |
| Deferred Tax Liabilities, Net | — | — | — | — | — | — | — | $106.9m | |
| Liabilities | $2.5b | $207.2m | $151.6m | $148.4m | $258.0m | $459.8m | $312.7m | $618.4m | |
| TOTAL LIABILITIES | $2.5b | $1.4b | $989.1m | $945.7m | $1.8b | $3.3b | $2.3b | $4.3b | |
| Stockholders’ equity: | |||||||||
| Retained Earnings (Accumulated Deficit) | ($2.0b) | ($218.3m) | ($194.2m) | ($124.7m) | $55.8m | $214.9m | $307.1m | $497.7m | |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | — | $67k | ($2.0m) | ($2.8m) | ($452k) | ($1.4m) | $973k | $1.6m | |
| Additional Paid in Capital, Common Stock | $395.5m | $111.7m | $125.4m | $131.9m | $126.2m | $127.0m | $124.6m | $161.7m | |
| Treasury stock (2,621,816 and 6,781,816 shares as of December 31, 2024 and December 31, 2025, respectively) | — | — | — | — | ($9.3m) | ($35.4m) | ($28.9m) | ($189.7m) | |
| Additional paid-in capital | $395.5m | $777.4m | $818.0m | $840.6m | $870.6m | $901.9m | $909.6m | $1.1b | |
| Accumulated other comprehensive income | — | $469k | ($12.8m) | ($18.0m) | ($3.1m) | ($10.2m) | $7.1m | $10.9m | |
| Capital Stock | — | — | — | — | $0 | $0 | $0 | $0 | |
| Gains Losses Not Affecting Retained Earnings | — | — | — | — | ($3.1m) | ($10.2m) | $7.1m | $10.9m | |
| Treasury Stock | — | — | — | — | $9.3m | $35.4m | $28.9m | $189.7m | |
| Stockholders' Equity Attributable to Parent | ($1.7b) | ($106.6m) | ($70.7m) | $4.4m | $180.2m | $335.5m | $428.7m | $633.9m | |
| Stockholders' Equity Attributable to Noncontrolling Interest | — | $37k | ($328k) | ($332k) | ($229k) | ($236k) | ($227k) | ($223k) | |
| Noncontrolling interests | — | $255k | ($2.1m) | ($2.1m) | ($1.6m) | ($1.7m) | ($1.7m) | ($1.6m) | |
| Minority Interest | — | — | — | — | ($1.6m) | ($1.7m) | ($1.7m) | ($1.6m) | |
| Total Equity Gross Minority Interest | — | — | — | — | $1.2b | $2.4b | $3.1b | $4.4b | |
| Total Non Current Liabilities Net Minority Interest | — | — | — | — | $2.5m | $981.9m | $98.7m | $640.1m | |
| Liabilities and Equity | $801.9m | $100.7m | $80.5m | $152.4m | $438.0m | $795.0m | $741.2m | $1.3b | |
| TOTAL LIABILITIES AND EQUITY | $801.9m | $701.1m | $525.4m | $971.4m | $3.0b | $5.6b | $5.4b | $8.8b |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.