Jiayin Group (JFIN) Cash Flow: Operating & Free Cash Flow

Jiayin Group (JFIN) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Jiayin Group generated CNY 1.26B of operating cash flow and spent CNY 635.08M on capital expenditures. That left free cash flow of CNY 622.27M, down 9.3% from CNY 686.36M a year earlier, or 10.0% of revenue. It returned CNY 218.89M to shareholders through CNY 108.16M in dividends and CNY 110.73M in share buybacks.

Jiayin Group Cash Flow Statement Analysis

Values in billions CNY

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities 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
Operating Activities
Net Income	1.54	1.06	1.30	8.09	0.47	0.47	0.25	0.25	0.53	0.61	0.54
Depreciation & Amortization	0.07	0.02	0.01	0.07	0.02	0.02	0.02	0.02	0.02	0.01	0.00
Deferred Income Tax	0.00	0.00	0.00	-0.15	0.04	-	0.15	-	-0.06	0.00	0.00
Stock Based Compensation	0.16	0.06	0.05	0.29	0.02	0.02	0.03	0.03	0.15	0.07	0.09
Change in Working Capital	-0.56	0.26	-0.88	-7.00	-0.22	-0.22	-0.38	-0.38	-0.90	-1.19	-0.66
Change in Accounts Receivable	-1.08	-0.18	-0.50	-8.44	-0.34	-0.34	-0.22	-0.22	-0.08	-0.01	-0.54
Change in Accounts Payable	0.43	0.00	0.00	0.00	0.00	0.14	0.00	-	0.00	0.00	0.00
Change in Other Working Capital	0.03	0.44	-0.38	1.45	0.13	-0.14	-0.15	-0.28	-0.82	-1.19	-0.66
Other Operating Activities	0.03	0.03	-0.09	-0.38	-0.14	-0.14	-0.11	0.00	0.29	0.27	0.13
Net Cash from Operating Activities	1.26	1.43	0.39	0.92	0.18	0.18	-0.04	-0.04	0.03	-0.23	0.10
Investing Activities
Capital Expenditures	-0.64	-0.74	-0.03	-0.12	0.00	0.00	0.00	0.00	-0.03	-0.02	-0.02
Acquisitions	0.02	0.00	-0.07	0.00	-0.11	-0.11	0.00	-	-0.01	0.00	0.00
Purchases of Investments	-0.24	-0.10	0.00	0.00	0.00	-	0.00	0.00	-0.07	0.00	0.00
Sales/Maturities of Investments	0.07	0.07	0.00	0.00	0.00	-	0.00	-	0.00	0.00	0.00
Other Investing Activities	-1.16	-0.01	-0.01	-0.04	-0.01	-0.01	0.04	0.04	-0.12	0.00	0.08
Net Cash from Investing Activities	-1.95	-0.78	-0.11	-0.16	-0.13	-0.13	0.03	0.03	-0.23	-0.02	0.06
Financing Activities
Debt Repayment	-0.72	0.02	0.00	0.00	0.00	-0.02	0.00	-	0.00	0.07	0.01
Common Stock Issued	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.01	0.24	0.00	0.00
Common Stock Repurchased	-0.11	-0.05	-0.04	-0.01	0.00	-	0.00	-	0.00	0.00	0.00
Dividends Paid	-0.11	-0.30	-0.16	0.00	0.00	0.00	0.00	-	0.00	-0.40	0.00
Other Financing Activities	0.00	0.00	0.00	-0.07	0.01	0.00	0.01	0.00	0.00	-0.10	0.00
Net Cash from Financing Activities	0.49	-0.33	-0.19	-0.09	0.01	0.01	0.01	0.01	0.24	-0.43	0.01
Summary
Effect of Forex Changes on Cash	0.00	0.00	-0.01	0.07	0.00	0.00	-0.01	-	0.00	0.00	0.00
Net Change in Cash	-0.20	0.31	0.08	0.74	0.07	0.07	0.00	0.00	0.04	-0.68	0.18
Cash at Beginning of Period	0.68	0.37	0.29	1.26	0.12	0.12	0.12	-	0.08	0.76	0.58
Cash at End of Period	0.48	0.68	0.37	2.01	0.18	0.18	0.12	-	0.12	0.08	0.76
Free Cash Flow	0.62	0.69	0.36	0.80	0.18	0.18	-0.04	-0.04	0.00	-0.25	0.08
Supplemental Disclosures
Income Taxes Paid	-	0.12	0.04	0.00	-	0.01	-	0.00	-	-	-

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 Cash Flow

What is Jiayin Group's free cash flow?

Jiayin Group generated free cash flow of CNY 622.27M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of CNY 1.26B minus CNY 635.08M of capital expenditures. That was down 9.3% from CNY 686.36M a year earlier. Free cash flow equaled 10.0% of revenue.

How much does Jiayin Group spend on capital expenditures?

Jiayin Group spent CNY 635.08M on capital expenditures in fiscal 2025, compared with CNY 739.13M a year earlier. That equals 50.5% of operating cash flow.

Does Jiayin Group pay dividends or buy back shares?

Yes. In fiscal 2025 Jiayin Group returned CNY 108.16M in dividends and CNY 110.73M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition