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Jiayin Group (JFIN)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Jiayin Group Balance Sheet 2025-2011 | JFIN
Brief balance sheet overview of Jiayin Group
The comparison uses five available annual reports from the 2021–2025 interval.
The asset base grew from 971.4 million CNY to 8.8 billion CNY, or +801.3%. Average annual growth of roughly 73.3% was strong.
Liabilities increased less than assets, posting +357.3% versus +801.3%. That relationship usually strengthens the balance sheet.
Internal capital represents 50.6% of the balance sheet, previously 2.7%. This is a strong capital position.
Net debt is 479.5 million CNY, or 0.11x of equity. This is a conservative debt position.
Accumulated earnings ended at 3.5 billion CNY, a change of +538%. They remain an important part of the capital base.
Balance sheet takeaway
Jiayin Group 's balance sheet looks resilient: assets are supported by substantial equity, while debt does not overwhelm financial flexibility.
Annual Balance Sheet Jiayin Group
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
479 M | -489 M | -322 M | -264 M | - | - | - | - | - | -199 M | - | - | - | - | - |
Long Term Debt |
516 M | 28.2 M | 32.4 M | 2.48 M | - | - | - | - | - | - | - | - | - | - | - |
Long Term Debt Current |
25.3 M | 23.4 M | 15.6 M | 25 M | - | 3.32 M | 2.74 M | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
640 M | 98.7 M | - | - | - | 5.2 M | - | - | - | - | - | - | - | - | - |
Total Current Liabilities |
3.68 B | 2.18 B | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
4.32 B | 2.28 B | 3.26 B | 1.78 B | 946 M | 989 M | 1.44 B | 2.45 B | 4.46 B | 4.59 B | - | - | - | - | - |
Retained Earnings |
3.48 B | 2.24 B | 1.53 B | 385 M | -795 M | -1.27 B | -1.52 B | -2.05 B | -2.26 B | -2.8 B | - | - | - | - | - |
Total Assets |
8.76 B | 5.41 B | 5.64 B | 3.02 B | 971 M | 525 M | 701 M | 802 M | 2.53 B | 2.03 B | - | - | - | - | - |
Cash and Cash Equivalents |
61.8 M | 541 M | 370 M | 291 M | - | 117 M | 122 M | 41.4 M | 761 M | - | - | - | - | - | - |
Book Value |
4.43 B | 3.13 B | 2.38 B | 1.24 B | 25.7 M | -464 M | -742 M | -1.65 B | -1.93 B | -2.56 B | - | - | - | - | - |
Total Shareholders Equity |
4.43 B | 3.13 B | 2.38 B | 1.24 B | 25.7 M | -464 M | -742 M | -1.65 B | -1.93 B | - | - | - | - | - | - |
Annual performance
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All numbers in CNY currency
Quarterly Balance Sheet Jiayin Group
| 2025-Q4 | 2024-Q4 | 2023-Q4 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
516 M | 28.2 M | 32.4 M | - | - | - | - | 18.3 M | - | - | - | 1.87 M | - | - | - | 32.5 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
640 M | 98.7 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
4.32 B | 2.28 B | 3.26 B | - | - | - | - | 946 M | - | - | - | 989 M | - | - | - | 1.44 B | - | - | - | 2.45 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
3.48 B | 2.24 B | 1.53 B | - | - | - | - | -795 M | - | - | - | -1.27 B | - | - | - | -1.52 B | - | - | - | -2.05 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
8.76 B | 5.41 B | 5.64 B | - | - | - | - | 971 M | - | - | - | 525 M | - | - | - | 701 M | - | - | - | 802 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
61.8 M | 541 M | 370 M | - | - | - | - | 183 M | - | - | - | 117 M | - | - | - | 122 M | - | - | - | 41.4 M | - | - | - | 606 M | - | - | - | 581 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
4.43 B | 3.13 B | 2.38 B | - | - | - | - | 25.7 M | - | - | - | -464 M | - | - | - | -742 M | - | - | - | -1.65 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
4.43 B | 3.13 B | 2.38 B | - | - | - | - | 27.9 M | - | - | - | -462 M | - | - | - | -742 M | - | - | - | -1.65 B | - | - | - | -1.93 B | - | - | - | -2.56 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Quarterly performance
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All numbers in CNY currency
Balance Sheet is a fundamental financial report of Jiayin Group , providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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