Jiayin Group Inc. · Finance Services

JFIN

Low riskNext report: Not enough history

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The short version

A high-quality, profitable business with growing sales. Institutions are trimming.

Going well

Profitable, keeps 25% of sales as profit
Sales up 12% last year
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions cut 21% from their holdings in the quarter ending June 2026 (12 bought, 17 sold)

Facts from SEC filings, not a recommendation.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

6/6Strong

PassReturn on equity 15%+Earns a lot on the money owners have in the business.41.3%
PassDebt under half of equityNot relying on borrowed money.0.12x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.24.7%
PassProfitable every yearSteady profits, not one good year.7 of 7 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$89.0M
PassShare count not growingNot diluting owners. Falling means buybacks.-3.0% in 3 years

Revenue: $889.8M; +12.0% vs prior year
5-year growth: +34.9%/yr; revenue, per year
Total debt: $73.8M; 0.12x equity
Free cash flow: $89.0M; 10.0% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

0/ 100

This week: 0
Normal week: 0.4
vs normal: 0.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Distributing-21.1%

Institutions cut 21.1% from their holdings. 12 bought, 17 sold. 2 quarters of net selling in a row.

Shares held by institutions571K

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-1.0%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

0.1x · $73.8M debt

Shares outstandingLatest reported

209M

Earnings reports

Last 0

Next reportNot enough history

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

No offerings, red flags or new big holders. Clean record.

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

144/ASep 8 · Form 144/A ↗144/ASep 8 · Form 144/A ↗Planned insider saleSep 2 · Form 144 ↗Planned insider saleSep 2 · Form 144 ↗6-KAug 28 · Form 6-K ↗6-KJul 23 · Form 6-K ↗New insiderJul 9 · Form 3 ↗6-KJul 2 · Form 6-K ↗

Stock awardChunlin FanChief financial officer

240,000 shares

+15% of holdings
Now owns 1,802,152 shares
Filed 1 day after trade

Jun 23Form 4 ↗

Stock awardYifang XuDirector

1,000,000 shares

+18% of holdings
Now owns 6,454,776 shares
Filed 1 day after trade

Jun 23Form 4 ↗

Stock awardZhe (maik) WangGroup head of Technology

160,000 shares

Now owns 160,000 shares
Filed 1 day after trade

Jun 23Form 4 ↗

6-KJun 23 · Form 6-K ↗New insiderJun 4 · Form 3 ↗6-KMay 15 · Form 6-K ↗20-FApr 28 · Form 20-F ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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