Jiayin Group Inc
NASDAQ:JFIN
Income Statement
Earnings Waterfall
Jiayin Group Inc
Income Statement
Jiayin Group Inc
| Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||
| Revenue |
2 882
N/A
|
1 950
-32%
|
2 595
+33%
|
2 598
+0%
|
2 230
-14%
|
1 812
-19%
|
1 412
-22%
|
1 302
-8%
|
1 300
0%
|
1 330
+2%
|
1 577
+19%
|
1 753
+11%
|
1 780
+2%
|
1 949
+9%
|
2 268
+16%
|
2 585
+14%
|
3 271
+27%
|
3 882
+19%
|
4 349
+12%
|
4 921
+13%
|
5 467
+11%
|
5 820
+6%
|
6 018
+3%
|
5 997
0%
|
5 801
-3%
|
6 101
+5%
|
6 511
+7%
|
|
| Gross Profit | ||||||||||||||||||||||||||||
| Cost of Revenue |
(402)
|
(334)
|
(469)
|
(473)
|
(426)
|
(371)
|
(287)
|
(245)
|
(239)
|
(239)
|
(277)
|
(315)
|
(336)
|
(365)
|
(405)
|
(456)
|
(565)
|
(746)
|
(974)
|
(1 369)
|
(2 012)
|
(2 404)
|
(2 656)
|
(2 531)
|
(2 034)
|
(1 702)
|
(1 379)
|
|
| Gross Profit |
2 480
N/A
|
1 616
-35%
|
2 126
+32%
|
2 125
0%
|
1 805
-15%
|
1 441
-20%
|
1 125
-22%
|
1 057
-6%
|
1 061
+0%
|
1 090
+3%
|
1 300
+19%
|
1 438
+11%
|
1 445
+0%
|
1 583
+10%
|
1 863
+18%
|
2 129
+14%
|
2 706
+27%
|
3 136
+16%
|
3 375
+8%
|
3 551
+5%
|
3 455
-3%
|
3 415
-1%
|
3 361
-2%
|
3 465
+3%
|
3 767
+9%
|
4 399
+17%
|
5 132
+17%
|
|
| Operating Income | ||||||||||||||||||||||||||||
| Operating Expenses |
(1 795)
|
(1 207)
|
(1 554)
|
(1 414)
|
(1 270)
|
(1 150)
|
(949)
|
(814)
|
(759)
|
(676)
|
(784)
|
(918)
|
(1 013)
|
(945)
|
(1 029)
|
(1 141)
|
(1 524)
|
(1 686)
|
(1 900)
|
(2 002)
|
(2 123)
|
(1 929)
|
(2 017)
|
(2 191)
|
(2 519)
|
(2 927)
|
(3 248)
|
|
| Selling, General & Administrative |
(877)
|
(593)
|
(819)
|
(878)
|
(836)
|
(747)
|
(622)
|
(559)
|
(530)
|
(527)
|
(636)
|
(781)
|
(824)
|
(885)
|
(953)
|
(1 046)
|
(1 275)
|
(1 513)
|
(1 706)
|
(1 792)
|
(1 754)
|
(1 733)
|
(1 814)
|
(1 959)
|
(2 135)
|
(2 456)
|
(2 725)
|
|
| Research & Development |
(184)
|
(162)
|
(213)
|
(235)
|
(201)
|
(184)
|
(168)
|
(148)
|
(152)
|
(143)
|
(141)
|
(139)
|
(144)
|
(157)
|
(180)
|
(199)
|
(217)
|
(240)
|
(254)
|
(268)
|
(296)
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Operating Expenses |
(734)
|
(452)
|
(523)
|
(302)
|
(232)
|
(219)
|
(159)
|
(107)
|
(77)
|
(5)
|
(7)
|
2
|
(44)
|
98
|
104
|
104
|
(32)
|
67
|
60
|
58
|
(73)
|
(197)
|
(204)
|
(233)
|
(384)
|
(471)
|
(523)
|
|
| Operating Income |
685
N/A
|
409
-40%
|
572
+40%
|
711
+24%
|
535
-25%
|
291
-46%
|
177
-39%
|
243
+38%
|
302
+24%
|
415
+37%
|
516
+25%
|
520
+1%
|
432
-17%
|
639
+48%
|
834
+31%
|
988
+19%
|
1 182
+20%
|
1 451
+23%
|
1 476
+2%
|
1 549
+5%
|
1 332
-14%
|
1 486
+12%
|
1 344
-10%
|
1 274
-5%
|
1 248
-2%
|
1 472
+18%
|
1 884
+28%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||
| Interest Income Expense |
0
|
(1)
|
(1)
|
(1)
|
6
|
8
|
11
|
14
|
8
|
5
|
3
|
(0)
|
(1)
|
0
|
(1)
|
1
|
0
|
0
|
2
|
4
|
13
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Non-Reccuring Items |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
50
|
0
|
0
|
0
|
138
|
0
|
0
|
0
|
102
|
0
|
0
|
0
|
187
|
0
|
0
|
0
|
(66)
|
0
|
0
|
|
| Total Other Income |
20
|
13
|
23
|
29
|
23
|
21
|
14
|
(26)
|
7
|
8
|
15
|
50
|
17
|
20
|
(2)
|
10
|
43
|
47
|
61
|
50
|
15
|
22
|
88
|
94
|
113
|
168
|
102
|
|
| Pre-Tax Income |
706
N/A
|
421
-40%
|
594
+41%
|
739
+24%
|
564
-24%
|
320
-43%
|
202
-37%
|
231
+14%
|
366
+59%
|
427
+17%
|
534
+25%
|
569
+7%
|
586
+3%
|
658
+12%
|
831
+26%
|
999
+20%
|
1 328
+33%
|
1 498
+13%
|
1 538
+3%
|
1 603
+4%
|
1 547
-3%
|
1 509
-2%
|
1 432
-5%
|
1 368
-4%
|
1 295
-5%
|
1 640
+27%
|
1 986
+21%
|
|
| Net Income | ||||||||||||||||||||||||||||
| Tax Provision |
(94)
|
(49)
|
(76)
|
(95)
|
(37)
|
(7)
|
6
|
(17)
|
(109)
|
(117)
|
(140)
|
(138)
|
(126)
|
(149)
|
(194)
|
(241)
|
(155)
|
(188)
|
(151)
|
(135)
|
(248)
|
(216)
|
(229)
|
(222)
|
(239)
|
(317)
|
(382)
|
|
| Income from Continuing Operations |
612
|
373
|
519
|
644
|
527
|
313
|
207
|
213
|
258
|
310
|
393
|
431
|
460
|
509
|
637
|
757
|
1 172
|
1 310
|
1 387
|
1 468
|
1 300
|
1 293
|
1 202
|
1 147
|
1 056
|
1 323
|
1 604
|
|
| Income to Minority Interest |
0
|
0
|
0
|
(0)
|
1
|
1
|
1
|
(1)
|
3
|
1
|
2
|
8
|
4
|
5
|
5
|
1
|
(1)
|
(1)
|
(1)
|
(1)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Equity Earnings Affiliates |
0
|
0
|
0
|
0
|
0
|
(0)
|
0
|
1
|
(8)
|
(6)
|
(3)
|
(4)
|
8
|
9
|
9
|
12
|
8
|
5
|
0
|
(4)
|
(2)
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Net Income (Common) |
612
N/A
|
373
-39%
|
519
+39%
|
644
+24%
|
528
-18%
|
314
-41%
|
208
-34%
|
213
+2%
|
253
+19%
|
306
+21%
|
392
+28%
|
434
+11%
|
472
+9%
|
524
+11%
|
651
+24%
|
770
+18%
|
1 180
+53%
|
1 315
+11%
|
1 387
+6%
|
1 463
+5%
|
1 298
-11%
|
1 291
-1%
|
1 203
-7%
|
1 149
-4%
|
1 056
-8%
|
1 323
+25%
|
1 604
+21%
|
|
| EPS (Diluted) |
2.86
N/A
|
1.74
-39%
|
2.39
+37%
|
3.01
+26%
|
2.51
-17%
|
1.45
-42%
|
0.96
-34%
|
0.98
+2%
|
1.17
+19%
|
1.42
+21%
|
1.82
+28%
|
2.01
+10%
|
2.18
+8%
|
2.42
+11%
|
3.01
+24%
|
3.57
+19%
|
5.48
+54%
|
6.15
+12%
|
6.47
+5%
|
6.83
+6%
|
6.06
-11%
|
6.08
+0%
|
5.67
-7%
|
5.4
-5%
|
4.97
-8%
|
6.22
+25%
|
7.6
+22%
|
|