Jiayin Group Inc. is classed by the SEC under Finance Services (industry code 6199), based in Shanghai, CN. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $890 million and a profit of $220 million (its filed statements).
Lending businessFinance ServicesShanghai, CNfilings since 20188 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.8 out of ten, 8 of 9 metrics filed and 1 estimated: past 7.4 out of ten, present 7.2 out of ten, future 5.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 8.4 out of ten. No warning events in its filings since 2018. 84th percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 6.1 out of ten. +13.6% a year over 9 filed years; profitable in 9 of 9. 61st percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 6.9 out of ten. Share count shrank 1.0% a year. 7% of cash flow returned. Insiders: 0 sales, 0 purchases. 69th percentile among 54 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 7.9 out of ten. ROE 35%: 35¢ of profit per shareholder dollar. Leverage 49%: owes 49¢ per asset dollar. 79th percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 7.2 out of ten. top 28% of 114 in its family; net margin 24.7%. 72nd percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.4 out of ten. CrossAssetData estimate 5.4/10, confidence 20 of 100 (family median). 50th percentile among 74 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
Room to expand (future): 4.5 out of ten. bottom 45% of 108 in its family for room to expand. 45th percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 7.1 out of ten. top 29% of 100 in its family for growth drivers. 71st percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.0 out of ten. top 50% of 79 in its family for expectations against reality. 50th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 20-F filed 2026-04-28 for the period ended 2025-12-31 (on EDGAR). Newest filing: Form 144/A, 2026-09-08. Filings on record since 2018. Read from EDGAR 2026-10-12.
Who runs it
Yan, Dinggui (Chief executive officer); Wang, Libin (Vice president of finance); Fan, Chunlin (Chief financial officer); Xu, Yifang (Chief risk officer); Qi, Dan (Chief risk officer); Wang, Zhe (maik) (Group head of Technology); Bai, Bei (Financial controller); Lu, Xiaojing (director); Hwang, Yuhchang (director); Rui, Meng (director). 10 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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