Jiayin Group Inc (JFIN) - Net Assets
Based on the latest financial reports, Jiayin Group Inc (JFIN) has net assets worth $4.43 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($8.76 Billion) and total liabilities ($4.32 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Jiayin Group Inc tangible equity quality to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $4.43 Billion |
| % of Total Assets | 50.61% |
| Annual Growth Rate | N/A |
| 5-Year Change | 17110.09% |
| 10-Year Change | N/A |
| Growth Volatility | 2020.83 |
Jiayin Group Inc - Net Assets Trend (2016–2025)
This chart illustrates how Jiayin Group Inc's net assets have evolved over time, based on quarterly financial data. See JFIN defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Jiayin Group Inc (2016–2025)
The table below shows the annual net assets of Jiayin Group Inc from 2016 to 2025. For live valuation and market cap data, see JFIN market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $4.43 Billion | +41.69% |
| 2024-12-31 | $3.13 Billion | +31.39% |
| 2023-12-31 | $2.38 Billion | +91.74% |
| 2022-12-31 | $1.24 Billion | +4721.56% |
| 2021-12-31 | $25.75 Million | +105.55% |
| 2020-12-31 | $-463.76 Million | +37.46% |
| 2019-12-31 | $-741.60 Million | +55.11% |
| 2018-12-31 | $-1.65 Billion | +14.47% |
| 2017-12-31 | $-1.93 Billion | +24.56% |
| 2016-12-31 | $-2.56 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Jiayin Group Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 627956900000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $3.48 Billion | 78.52% |
| Other Comprehensive Income | $10.85 Million | 0.24% |
| Other Components | $941.35 Million | 21.24% |
| Total Equity | $4.43 Billion | 100.00% |
Jiayin Group Inc Competitors by Market Cap
The table below lists competitors of Jiayin Group Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
HLS Therapeutics Inc
TO:HLS
|
$99.31 Million |
|
Kura Sushi Asia Co Ltd
TWO:2754
|
$99.37 Million |
|
Canadian Net Real Estate Investment Trust
V:NET-UN
|
$99.38 Million |
|
Korea Cast Pip
KO:000970
|
$99.42 Million |
|
Bunzl PLC
LSE:BNZL
|
$99.29 Million |
|
Kuen Ling Refrigerating Machinery Co Ltd
TWO:4527
|
$99.21 Million |
|
CFI Holding SA
WAR:CFI
|
$99.18 Million |
|
Vivani Medical Inc.
NASDAQ:VANI
|
$99.17 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Jiayin Group Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 3,129,273,000 to 4,432,984,000, a change of 1,303,711,000 (41.7%).
- Net income of 213,640,272 contributed positively to equity growth.
- Dividend payments of 108,156,000 reduced retained earnings.
- Share repurchases of 110,731,000 reduced equity.
- Other comprehensive income increased equity by 3,752,000.
- Other factors increased equity by 1,305,205,728.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $213.64 Million | +4.82% |
| Dividends Paid | $108.16 Million | -2.44% |
| Share Repurchases | $110.73 Million | -2.5% |
| Other Comprehensive Income | $3.75 Million | +0.08% |
| Other Changes | $1.31 Billion | +29.44% |
| Total Change | $- | 41.66% |
Book Value vs Market Value Analysis
This analysis compares Jiayin Group Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.01x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | $-51.21 | $3.92 | x |
| 2017-12-31 | $-38.63 | $3.92 | x |
| 2018-12-31 | $-33.04 | $3.92 | x |
| 2019-12-31 | $-14.10 | $3.92 | x |
| 2020-12-31 | $-8.54 | $3.92 | x |
| 2021-12-31 | $0.52 | $3.92 | x |
| 2022-12-31 | $23.10 | $3.92 | x |
| 2023-12-31 | $44.53 | $3.92 | x |
| 2024-12-31 | $58.92 | $3.92 | x |
| 2025-12-31 | $339.53 | $3.92 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Jiayin Group Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.82%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 24.68%
- • Asset Turnover: 0.10x
- • Equity Multiplier: 1.98x
- Recent ROE (4.82%) is below the historical average (188.22%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 0.00% | -65.94% | 0.29x | 0.00x | $-133.70 Million |
| 2017 | 0.00% | 23.97% | 0.89x | 0.00x | $732.70 Million |
| 2018 | 0.00% | 21.23% | 3.59x | 0.00x | $776.96 Million |
| 2019 | 0.00% | 23.66% | 3.18x | 0.00x | $601.93 Million |
| 2020 | 0.00% | 19.45% | 2.47x | 0.00x | $299.05 Million |
| 2021 | 1694.25% | 26.51% | 1.83x | 34.86x | $469.30 Million |
| 2022 | 94.90% | 36.06% | 1.08x | 2.43x | $1.06 Billion |
| 2023 | 54.47% | 23.74% | 0.97x | 2.37x | $1.06 Billion |
| 2024 | 33.76% | 18.21% | 1.07x | 1.73x | $743.55 Million |
| 2025 | 4.82% | 24.68% | 0.10x | 1.98x | $-229.66 Million |
Industry Comparison
This section compares Jiayin Group Inc's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,356,917,589
- Average return on equity (ROE) among peers: 4.63%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Jiayin Group Inc (JFIN) | $4.43 Billion | 0.00% | 0.98x | $99.29 Million |
| Affirm Holdings Inc (AFRM) | $2.58 Billion | -17.12% | 0.89x | $20.82 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $574.47 Million | 13.11% | 22.26x | $1.71 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $992.48 Million | 10.95% | 23.54x | $144.53 Million |
| AIOS Tech Inc. (AIOS) | $211.13 Million | 2.74% | 0.29x | $3.53 Million |
| Ally Financial Inc (ALLY) | $13.27 Billion | 9.52% | 12.48x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $12.71 Million | -51.81% | 56.59x | $158.11 Million |
| Atlanticus Holdings Corporation (ATLC) | $176.40 Million | 33.45% | 0.27x | $1.34 Billion |
| American Express Company (AXP) | $13.86 Billion | 19.27% | 10.34x | $215.64 Billion |
| Bread Financial Holdings, Inc. (BFH) | $1.62 Billion | 17.15% | 15.34x | $4.10 Billion |
| Credit Acceptance Corporation (CACC) | $276.26 Million | 9.05% | 1.72x | $5.46 Billion |
About Jiayin Group Inc
Jiayin Group Inc., together with its subsidiaries, engages in the provision of online consumer finance services in the People's Republic of China. The company operates a fintech platform that facilitates connections between individual borrowers and financial institutions. It also offers loan products with fixed terms and repayment schedules; guarantee services; referral services for investment pr… Read more