Jiayin Group (JFIN) Balance Sheet: Assets & Liabilities

Jiayin Group (JFIN) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Jiayin Group reported total assets of CNY 8.76B and total liabilities of CNY 4.32B. Shareholders' equity was CNY 4.43B, up 41.6% from CNY 3.13B a year earlier. Total debt stood at CNY 671.04M against CNY 61.84M in cash and short-term investments, a net debt position of CNY 609.21M. That puts debt-to-equity at 0.15, compared with 0.01 a year earlier.

Jiayin Group Balance Sheet Analysis

Values in billions CNY

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Jiayin Group Inc. (JFIN) - Annual data in billions CNY
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2021	FY 2020	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Mar 2022	Dec 2021	Mar 2021	Dec 2020	Mar 2020	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	0.06	0.54	0.37	0.29	0.18	0.18	0.12	0.12	0.12	0.04	0.61
Short-Term Investments	0.00	0.00	0.00	0.00	0.00	-	0.00	-	0.07	0.00	0.00
Cash & Short-Term Investments	0.06	0.54	0.37	0.29	0.18	0.18	0.12	0.12	0.19	0.04	0.61
Accounts Receivable	4.33	2.99	3.10	2.02	0.50	0.50	0.16	0.19	0.11	0.54	0.80
Inventory	0.00	0.00	0.00	0.00	-0.04	-	0.00	-	-0.13	0.13	0.27
Other Current Assets	2.23	0.03	1.92	0.48	0.14	0.06	0.10	0.06	0.38	0.14	0.54
Total Current Assets	6.92	4.33	5.39	2.81	0.79	0.79	0.37	0.37	0.55	0.72	2.47
Non-Current Assets
Property, Plant & Equipment (Net)	1.36	0.10	0.09	0.05	0.04	0.04	0.03	0.03	0.08	0.03	0.02
Long-Term Investments	0.30	0.16	0.10	0.09	0.09	0.09	0.09	0.09	0.00	0.00	0.00
Intangible Assets	0.00	0.00	0.00	0.00	0.00	-	0.11	-	0.08	0.00	0.00
Other Non-Current Assets	0.17	0.75	0.06	0.07	0.00	0.05	-0.11	-	-0.08	0.00	0.00
Total Non-Current Assets	1.83	1.08	0.25	0.21	0.18	0.18	0.15	-	0.15	0.09	0.06
Total Assets	8.76	5.41	5.64	3.02	0.97	0.97	0.53	0.53	0.70	0.80	2.53
Current Liabilities
Accounts Payable	0.29	0.92	0.00	0.00	0.00	0.79	0.00	-	0.00	0.00	0.00
Short-Term Debt	0.16	0.00	0.02	0.02	0.02	-	0.01	-	0.00	0.07	0.00
Accrued Liabilities	2.14	0.78	0.42	0.34	-	0.15	-	0.13	-	-	-
Deferred Revenue	0.46	0.23	0.89	0.28	0.00	-	0.00	0.00	0.18	0.00	-0.11
Other Current Liabilities	3.05	0.23	0.31	0.29	0.48	0.03	0.70	-	1.04	1.96	4.26
Total Current Liabilities	3.68	2.18	1.30	1.28	0.91	0.61	0.98	0.42	1.41	2.45	4.46
Non-Current Liabilities
Long-Term Debt	0.52	0.03	0.05	0.00	0.02	0.02	0.00	-	0.03	0.00	0.00
Deferred Tax Liabilities	0.11	0.07	0.04	0.00	0.00	-	0.00	-	0.00	0.00	0.00
Other Non-Current Liabilities	0.74	0.21	0.99	0.22	0.02	0.32	0.00	0.57	0.00	0.00	0.00
Total Non-Current Liabilities	0.64	0.10	0.98	0.00	0.04	0.02	0.01	-	0.04	0.00	0.00
Total Liabilities	4.32	2.28	3.26	1.78	0.95	0.95	0.99	0.99	1.44	2.45	4.46
Stockholders' Equity
Retained Earnings	3.48	2.24	1.53	0.38	-0.79	-0.79	-1.27	-1.27	-1.52	-2.05	-2.26
Accumulated Other Comprehensive Income	0.01	0.01	-0.01	0.00	-0.02	-0.02	-0.01	-0.01	0.00	-0.02	-0.01
Treasury Stock	0.19	0.03	0.04	0.01	-	-	-	-	-	-	-
Additional Paid-in Capital	0.94	0.91	-1.51	0.86	0.84	0.84	0.82	-	0.78	0.41	0.33
Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00	0.00	0.00
Shares Outstanding	0.21	0.21	0.21	0.21	-	0.22	-	-	-	-	-
Total Stockholders' Equity	4.43	3.13	2.38	1.24	0.03	0.03	-0.46	-0.46	-0.74	-1.65	-1.93
Total Liabilities & Equity	8.76	5.41	5.64	3.02	0.97	0.97	0.53	-	0.70	0.80	2.53

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Jiayin Group Balance Sheet

How much debt does Jiayin Group have?

Jiayin Group had total debt of CNY 671.04M as of Dec 31, 2025, against CNY 61.84M in cash and short-term investments. Its debt-to-equity ratio was 0.15. Total debt was CNY 28.23M a year earlier.

What are Jiayin Group's total assets?

Jiayin Group reported total assets of CNY 8.76B as of Dec 31, 2025, up 61.9% from CNY 5.41B a year earlier. Total liabilities were CNY 4.32B.

What is Jiayin Group's shareholders' equity?

Jiayin Group's shareholders' equity was CNY 4.43B as of Dec 31, 2025, or about CNY 21.17 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition