Jiayin Group Inc ADR
JFINFinancial·Credit Services·China·Nano·NASD·Nov 11 • 3:59 PM ET
1.400.00 (0.00%)
2026-11-12 01:06 CET
Market cap
35.46 USD m
Revenue, TTM
576.70 USD m
Net income, TTM
30.92 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
0.62
P/E
2.27
Price
JFIN against its 20, 50 and 200-day averages2050200
85.3% under the 52-week high of 9.52 on 11 Nov 2025. 52-week low 1.13 on 13 Oct 2026. Last 15 sessions, 51.6% high to low
Volume 0.13× normal · the line is the 50-bar volume average
Profile
JFIN52-week range, 3% of the way up
1.139.52
Jiayin Group, Inc. engages in the operation of an online individual finance marketplace in China, which connects individual investors and individual borrowers. The company was founded by Dinggui Yan in 2011 and is headquartered in Shanghai, China.
| Employees | 1155 |
|---|---|
| IPO | May 10, 2019 |
| Beta | 0.85 |
| ATR, 14d | 0.13 |
| Rel volume | 0.13 |
| Short float | 1.47% |
| Inst own | 2.35% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 35.46M |
| Enterprise Value | 13.91M |
| Income | 30.92M |
| Sales | 576.70M |
| Book/sh | 11.85 |
| Cash/sh | 4.56 |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | Jul 14, 2025 |
| Dividend Gr. 3/5Y | - - |
| Payout | 19.31% |
| Employees | 1155 |
| IPO | May 10, 2019 |
Ratios
| P/E | 2.27 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 0.06 |
| P/B | 0.12 |
| P/C | 0.31 |
| P/FCF | - |
| EV/EBITDA | 0.09 |
| EV/Sales | 0.02 |
| Quick Ratio | 1.79 |
| Current Ratio | 1.79 |
| Debt/Eq | 0.15 |
| LT Debt/Eq | 0.11 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | 0.62 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 7.91% 43.25% |
| Sales past 3/5Y | 21.23% 35.66% |
| EPS Y/Y TTM | -85.27% |
| Sales Y/Y TTM | -35.90% |
| EPS Q/Q | -137.79% |
| Sales Q/Q | -58.49% |
| Earnings | Aug 28 BMO |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | - |
|---|---|
| Insider Trans | - |
| Inst Own | 2.35% |
| Inst Trans | -14.90% |
| ROA | 2.71% |
| ROE | 5.32% |
| ROIC | 4.48% |
| Gross Margin | 62.74% |
| Oper. Margin | 5.35% |
| Profit Margin | 5.36% |
| SMA20 | -0.59% |
| SMA50 | -2.61% |
| SMA200 | -60.61% |
| Trades | - |
Technical
| Shs Outstand | 25.33M |
|---|---|
| Shs Float | 25.30M |
| Short Float | 1.47% |
| Short Ratio | 1.64 |
| Short Interest | 0.37M |
| 52W High | 9.52 -85.29% |
| 52W Low | 1.13 23.89% |
| Volatility | 7.52% 10.50% |
| ATR (14) | 0.13 |
| RSI (14) | 46.94 |
| Beta | 0.85 |
| Rel Volume | 0.13 |
| Avg Volume | 225.83K |
| Volume | 28,641 |
Performance
| Perf Week | -9.68% |
|---|---|
| Perf Month | 8.53% |
| Perf Quarter | -39.13% |
| Perf Half Y | -68.89% |
| Perf YTD | -75.86% |
| Perf Year | -85.01% |
| Perf 3Y | -72.11% |
| Perf 5Y | -63.16% |
| Perf 10Y | - |
| Recom | 1.00 |
| Target Price | 12.11 |
| Prev Close | 1.40 |
| Price | 1.40 |
| Change % | 0.00% |
Analyst ratings
latest 3 of 3| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Dec 01, 2020 | Upgrade | RROTH Capital | Neutral → Buy | $4 → $5.75 | +310.7% |
| Apr 02, 2020 | Downgrade | RROTH Capital | Buy → Neutral | ||
| Aug 27, 2019 | Initiated | RROTH Capital | Buy |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| XYF | X Financial ADR | 125.74M |
| YRD | Yiren Digital Ltd ADR | 29.91M |
| LX | LexinFintech Holdings Ltd ADR | 84.15M |
| FINV | FinVolution Group ADR | 366.46M |
| QFIN | Qfin Holdings Inc ADR | 647.34M |
| LU | Lufax Holding Ltd ADR | 591.98M |
| CNF | CNFinance Holdings Ltd ADR | 13.72M |
| OPFI | OppFi Inc | 506.68M |
| ENVA | Enova International Inc | 4.19B |
| UPST | Upstart Holdings Inc | 2.03B |
Insider trading
5 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Xu, Yifang | Former Director and Officer | Sep 03 '26 | Proposed Sale | 0.47 | 1,484,600 | 705,185 | Sep 02 06:04 AM | |
| Lu Xiaojing | Former Director | Sep 03 '26 | Proposed Sale | 0.48 | 108,700 | 51,633 | Sep 02 06:04 AM | |
| Xu, Yifang | Officer | Dec 30 '25 | Proposed Sale | 6.33 | 20,000 | 126,600 | Dec 29 06:10 AM | |
| Fan Chunlin | Officer | Dec 26 '25 | Proposed Sale | 6.62 | 30,000 | 198,600 | Dec 23 06:25 AM | |
| Xu, Yifang | Officer | Dec 26 '25 | Proposed Sale | 6.62 | 30,000 | 198,600 | Dec 23 06:11 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| DFAX | Dimensional World ex U.S. Core Equity 2 ETF | AUM: 12.02B |
News
latest 14 of 200- Jiayin Group Inc (JFIN) (Q2 2026) Earnings Call Highlights: Navigating Industry Headwinds with ... (GuruFocus.com)
- Jiayin Group Inc. Reports Second Quarter 2026 Unaudited Financial Results (GlobeNewswire)
- Jiayin Group Inc. to Release Second Quarter 2026 Unaudited Financial Results on Friday, August 28, 2026 (GlobeNewswire)
- Jiayin Group Inc. Releases 2025 Environmental, Social and Governance (ESG) Report (GlobeNewswire)
- Jiayin Group Inc. Announces Change of Director (GlobeNewswire) -5.30%
- Jiayin Group Inc (JFIN) Q1 2026 Earnings Call Highlights: Navigating Challenges with Strategic ... (GuruFocus.com) -28.39%
- Jiayin Group Inc. Reports First Quarter 2026 Unaudited Financial Results (GlobeNewswire)
- Jiayin Group Inc. to Release First Quarter 2026 Unaudited Financial Results on Tuesday, June 23, 2026 (GlobeNewswire)
- Jiayin Group Inc. Announces Leadership Change (GlobeNewswire)
- Jiayin Group Inc. Filed Annual Report on Form 20-F for Fiscal Year 2025 (GlobeNewswire)
- Jiayin Group Inc (JFIN) Q4 2025 Earnings Call Highlights: Navigating Challenges with Strategic ... (GuruFocus.com) -12.34%
- Jiayin Group Inc. Reports Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results (GlobeNewswire)
- Jiayin Group Inc. to Release Fourth Quarter and Full Year 2025 Unaudited Financial Results on Tuesday, March 31, 2026 (GlobeNewswire)
- KNOREX Appoints Michael Sun as Chief Financial Officer (Business Wire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2023Q1 | 2023-06-08 | 0.184 | - | 0.765 | 157.39 | - | - |
| 2022Q4 | 2023-03-29 | 0.362 | - | 1.401 | 153.29 | - | - |
| 2022Q2 | 2022-08-18 | 0.174 | 0.350 | 0.712 | 119.69 | 76.35 | 1 |
| 2022Q1 | 2022-06-08 | 0.101 | 0.270 | 0.422 | 76.65 | 64.55 | 1 |
| 2021Q4 | 2022-03-31 | 0.090 | 0.321 | 0.358 | 57.97 | 89.68 | 1 |
| 2021Q3 | 2021-11-24 | 0.092 | 0.334 | 0.367 | 90.31 | 91.41 | 1 |
| 2021Q2 | 2021-08-25 | 0.091 | 0.208 | 0.363 | 76.01 | 56.21 | 1 |
| 2021Q1 | 2021-06-07 | 0.067 | 1.350 | 0.266 | 53.64 | 53.43 | - |
| 2020Q4 | 2021-04-09 | 1.600 | 0.650 | 0.239 | 340.34 | 265 | - |
| 2020Q3 | 2020-11-30 | 1.600 | 0.630 | 0.230 | 401.31 | 255 | - |
| 2020Q2 | 2020-09-02 | 0.760 | 0.590 | 0.106 | 244.99 | 310 | - |
| 2020Q1 | 2020-06-11 | 0.750 | 1.000 | 0.107 | 313.53 | 350 | - |
| 2019Q4 | 2020-04-01 | 0.440 | 0.430 | 0.061 | 352.46 | 480 | 1 |
| 2019Q3 | 2019-11-26 | 1.520 | 1.750 | 0.215 | 510.77 | 600 | 1 |
| 2019Q2 | 2019-09-06 | 3.240 | 4.050 | 0.458 | 635.62 | 735 | 1 |
| 2019Q1 | 2019-08-26 | 0.673 | - | 0.698 | 104.5 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2019FY | 1.413 | 1.438 | 1.414 | 313.85 | 332.39 |
| 2020FY | 0.178 | 0.553 | 0.678 | 198.23 | 187.02 |
| 2021FY | 0.344 | 1.296 | 1.355 | 280.7 | 311.74 |
| 2022FY | 0.797 | - | - | 475.89 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 1.492 | 1.728 | 1.414 | 0.678 | 1.355 | 3.255 | 3.423 | 2.764 | 4.091 | 0.6156 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.62 | 0.708 | 0.721 | 1.389 | 1.362 | 1.025 | 0.275 | -0.17 | -0.515 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Sales, annual | 333.054 | 435.535 | 322.753 | 188.368 | 276.072 | 485.826 | 771.325 | 804.05 | 865.582 | 576.7 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 203.853 | 201.581 | 193.355 | 244.007 | 260.765 | 205.407 | 153.756 | 109.279 | 108.253 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Shares, annual | 24.5 | 24.5 | 25.025 | 27.025 | 27.025 | 26.432 | 26.032 | 26.37 | 25.33 | 25.33 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 26.032 | 26.032 | 26.37 | 26.37 | 26.37 | 26.37 | 25.33 | 25.33 | 25.33 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 576.70 | 865.58 | 804.05 | 771.33 | 485.83 | 276.07 | 188.37 | 322.75 | 435.53 |
| Total Expenses | 545.86 | 615.55 | 632.64 | 583.54 | 310.29 | 209.10 | 144.60 | 245.38 | 331.98 |
| Operating Income | 30.83 | 250.03 | 171.41 | 187.78 | 175.54 | 66.98 | 43.77 | 77.38 | 103.55 |
| Unusual Expense | 0.00 | 0.00 | 7.21 | -26.68 | -15.14 | -21.40 | -7.22 | - | - |
| Net Income Before Taxes | 37.18 | 260.61 | 179.99 | 218.37 | 197.17 | 90.84 | 53.08 | 81.60 | 106.65 |
| Income Taxes | 6.26 | 46.97 | 33.20 | 34.95 | 23.08 | 19.49 | 15.76 | 5.36 | 14.19 |
| Consolidated Net Income | 30.92 | 213.64 | 146.80 | 183.14 | 175.27 | 72.53 | 36.23 | 76.29 | 92.45 |
| Net Income From Continuing Operations | 30.92 | 213.64 | 146.80 | 183.15 | 175.19 | 73.20 | 36.64 | 76.38 | 92.45 |
| Net Income | 30.92 | 213.64 | 146.80 | 183.15 | 175.19 | 73.20 | 36.64 | 76.38 | 92.45 |
| EPS (Recurring) | 0.59 | 4.09 | 2.86 | 3.07 | 3.06 | 1.08 | 0.58 | 1.41 | 1.73 |
| EPS (Basic, Before Extraordinaries) | 0.62 | 4.09 | 2.76 | 3.42 | 3.26 | 1.35 | 0.68 | 1.41 | 1.73 |
| EPS (Diluted) | 0.62 | 4.09 | 2.76 | 3.42 | 3.26 | 1.35 | 0.68 | 1.41 | 1.73 |
| Non-Operating Income (Expense) | 6.52 | 10.58 | 15.80 | 3.91 | 6.49 | 2.63 | 2.09 | 4.22 | 3.09 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 16.48 | 6.16 | 5.75 | 4.74 | 1.77 | 3.33 | 16.02 | 7.68 |
| Price To Earnings Ratio | 2.27 | 2.27 | 2.13 | 1.34 | 1.06 | 1.62 | 4.46 | 3.67 | 2.89 |
| Price To Sales Ratio | 0.26 | 0.35 | 0.42 | 0.36 | 0.25 | 0.43 | 0.87 | 0.88 | - |
| Gross Margin | 62.74 | 79.00 | 64.55 | 63.02 | 82.42 | 80.25 | 80.03 | 80.12 | 85.67 |
| Operating Margin | 5.35 | 28.89 | 21.32 | 24.35 | 36.13 | 24.26 | 23.24 | 23.97 | 23.78 |
| Net Margin | 5.36 | 24.68 | 18.26 | 23.74 | 36.06 | 26.51 | 19.45 | 23.66 | 21.23 |
| Shares Outstanding | 25.33 | 25.33 | 26.37 | 26.03 | 26.43 | 27.02 | 27.02 | 25.02 | 24.50 |
| Market Capitalization | 35.46 | 35.46 | 165.83 | 138.23 | 60.59 | 59.45 | 76.33 | 131.63 | 131.01 |
Income statement, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 | 2024Q3 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | 108.25 | 109.28 | 153.76 | 205.41 | 260.77 | 244.01 | 193.35 | 201.58 |
| Total Expenses | 144.49 | 119.40 | 140.41 | 141.57 | 172.41 | 160.64 | 140.75 | 158.07 |
| Operating Income | -36.23 | -10.12 | 13.35 | 63.84 | 88.35 | 83.37 | 52.61 | 43.51 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 7.22 | 0.00 |
| Net Income Before Taxes | -32.14 | -10.02 | 14.27 | 65.08 | 88.92 | 91.14 | 49.50 | 45.14 |
| Income Taxes | -5.18 | -1.12 | 0.08 | 12.48 | 17.15 | 17.00 | 11.18 | 7.52 |
| Consolidated Net Income | -26.97 | -8.91 | 14.19 | 52.60 | 71.77 | 74.14 | 38.32 | 37.62 |
| Net Income From Continuing Operations | -26.96 | -8.90 | 14.19 | 52.60 | 71.77 | 74.14 | 38.32 | 37.61 |
| Net Income | -26.96 | -8.90 | 14.19 | 52.60 | 71.77 | 74.14 | 38.32 | 37.61 |
| EPS (Recurring) | -0.51 | -0.17 | 0.28 | 1.03 | 1.36 | 1.39 | 0.82 | 0.71 |
| EPS (Basic, Before Extraordinaries) | -0.51 | -0.17 | 0.28 | 1.03 | 1.36 | 1.39 | 0.72 | 0.71 |
| EPS (Diluted) | -0.51 | -0.17 | 0.28 | 1.03 | 1.36 | 1.39 | 0.72 | 0.71 |
| Non-Operating Income (Expense) | 4.15 | 0.21 | 0.92 | 1.24 | 0.56 | 7.77 | 4.11 | 1.63 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 2.31 | - | - | - | - | - | - | - |
| Price To Earnings Ratio | 2.27 | 1.03 | 1.29 | 2.47 | 4.66 | 4.97 | 2.13 | 2.21 |
| Price To Sales Ratio | 0.26 | 0.30 | 0.35 | 0.59 | 0.94 | 0.87 | 0.42 | 0.42 |
| Gross Margin | 25.45 | 56.18 | 69.90 | 80.51 | 84.89 | 81.08 | 75.59 | 71.00 |
| Operating Margin | -33.47 | -9.26 | 8.68 | 31.08 | 33.88 | 34.17 | 27.21 | 21.58 |
| Net Margin | -24.91 | -8.15 | 9.23 | 25.61 | 27.52 | 30.38 | 19.82 | 18.66 |
| Shares Outstanding | 25.33 | 25.33 | 25.33 | 26.37 | 26.37 | 26.37 | 26.37 | 26.03 |
| Market Capitalization | 35.46 | 110.49 | 152.94 | 272.13 | 422.44 | 357.69 | 165.83 | 179.23 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 68.03 | 92.87 | 52.54 | 42.15 | 28.96 | 18.25 | 27.53 | 12.08 | 116.91 |
| Short Term Receivables | 747.73 | 478.19 | 568.18 | 293.79 | 84.64 | 24.25 | 38.74 | 79.45 | 243.74 |
| Investment Securities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Securities In Custody | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 43.23 | 22.23 | 14.70 | 13.47 | 14.26 | 18.17 | 0.55 | 0.00 | 0.00 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 194.35 | 13.31 | 12.69 | 6.69 | 7.00 | 4.03 | 10.95 | 4.23 | 3.67 |
| Deferred Tax Assets | 13.81 | 9.92 | 8.63 | 10.18 | 7.60 | 6.26 | 9.80 | 62.01 | 5.90 |
| Other Intangible Assets | 185.82 | 124.64 | 139.18 | 68.27 | 9.96 | 9.37 | 13.06 | 12.88 | 18.38 |
| Total Assets | 1,252.97 | 741.16 | 795.91 | 434.55 | 152.42 | 80.33 | 100.65 | 170.64 | 388.60 |
| Total Debt | 100.26 | 7.08 | 6.76 | 3.95 | 5.53 | 1.28 | 5.08 | 10.25 | 15.97 |
| Long Term Debt | 74.45 | 7.08 | 4.57 | 0.36 | 2.88 | 0.29 | 4.66 | 0.00 | 0.00 |
| Provision for Risks Charges | 88.38 | 29.27 | 131.69 | 0.00 | 0.00 | 0.00 | 0.00 | 0.59 | 107.68 |
| Deferred Tax Liabilities | 15.30 | - | 0.00 | - | - | - | - | 53.85 | - |
| Other Liabilities | 414.90 | 276.32 | 321.82 | 252.01 | 142.85 | 149.97 | 202.03 | 346.57 | 561.56 |
| Total Liabilities | 618.84 | 312.67 | 460.27 | 255.96 | 148.38 | 151.25 | 207.11 | 411.26 | 685.21 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 634.36 | 428.71 | 335.88 | 178.82 | 4.37 | -70.59 | -106.50 | -240.62 | -296.61 |
| Total Shareholders Equity | 634.36 | 428.71 | 335.88 | 178.82 | 4.37 | -70.59 | -106.50 | -240.62 | -296.61 |
| Accumulated Minority Interest | -0.22 | -0.23 | -0.24 | -0.23 | -0.33 | -0.33 | 0.04 | 0.00 | 0.00 |
| Total Equity | 634.13 | 428.48 | 335.64 | 178.59 | 4.04 | -70.91 | -106.46 | -240.62 | -296.61 |
| Total Liabilities & Stockholders Equity | 1,252.97 | 741.16 | 795.91 | 434.55 | 152.42 | 80.33 | 100.65 | 170.64 | 388.60 |
| Book Value Per Share | 12.12 | 8.03 | 6.33 | 3.35 | 0.08 | -1.31 | -1.97 | -4.50 | -5.54 |
| Tangible Book Value Per Share | 25.04 | 16.26 | 12.90 | 6.77 | 0.16 | -2.61 | -4.26 | -9.82 | -12.11 |
| Full-Time Employees | 1,155 | 1,028 | 925 | 897 | 970 | 894 | 970 | 831 | - |
| Price to Book Ratio | 0.12 | 0.83 | 0.99 | 1.25 | 27.19 | -2.33 | -2.67 | -2.40 | - |
| Return on Assets | 21.43 | 19.10 | 29.77 | 59.69 | 62.90 | 40.49 | 56.31 | 33.06 | 23.48 |
| Return on Equity | 40.19 | 38.40 | 71.17 | 191.26 | - | - | - | - | - |
| Return on Invested Capital | 30.14 | 33.69 | 53.80 | 97.77 | 1,009.81 | - | - | - | - |
| Quick Ratio | 1.88 | 1.95 | 1.67 | 1.58 | 0.85 | 0.34 | 0.45 | 0.30 | 0.68 |
| Current Ratio | 1.88 | 1.95 | 1.67 | 1.58 | 0.85 | 0.34 | 0.45 | 0.30 | 0.68 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 249.75 | 159.48 | 179.24 | 168.20 | 60.64 | 53.49 | 124.85 | 141.93 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -74.84 | 38.59 | -124.25 | -148.36 | -31.63 | -58.63 | -121.04 | -176.44 |
| Income Taxes Payable | - | 51.12 | 17.35 | 30.96 | 33.23 | 21.44 | 14.48 | 15.64 | 32.97 |
| Cash from Operating Activities | - | 174.91 | 198.07 | 54.99 | 19.84 | 29.01 | -5.14 | 3.80 | -34.51 |
| Capital Expenditures | - | -88.35 | -102.70 | -4.45 | -2.59 | -0.43 | -0.12 | -4.00 | -2.55 |
| Net Assets From Acquisitions | - | 0.00 | - | 0.00 | 0.00 | -17.22 | 0.00 | 0.00 | - |
| Sale of Fixed Assets and Businesses | - | 2.82 | -0.37 | -9.58 | 0.00 | 0.00 | 0.00 | -1.10 | 0.07 |
| Purchase or Sale of Investments | - | -23.23 | -3.97 | -10.94 | 0.00 | 0.00 | -0.42 | -10.86 | 0.00 |
| Purchase of Investments | - | -33.16 | -13.56 | -10.94 | 0.00 | 0.00 | -0.49 | -10.86 | 0.00 |
| Sale Or Maturity of Investments | - | 9.92 | 9.59 | 0.00 | 0.00 | 0.00 | 0.07 | 0.00 | 0.00 |
| Other Uses | - | -196.76 | -19.91 | -1.96 | -8.38 | -31.50 | 0.00 | -19.96 | -1.75 |
| Other Sources | - | 34.78 | 18.08 | 12.00 | 7.56 | 29.57 | 5.43 | 2.03 | 1.75 |
| Cash from Investing Activities | - | -270.74 | -108.87 | -14.94 | -3.41 | -19.57 | 4.89 | -33.89 | -2.48 |
| Cash Dividends Paid | - | -15.05 | -41.85 | -22.11 | 0.00 | 0.00 | 0.00 | 0.00 | -60.45 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -15.40 | -7.38 | -5.20 | -1.87 | 1.14 | 1.01 | 35.26 | 0.00 |
| Repurchase of Common Pref Stock | - | -15.40 | -7.40 | -5.37 | -2.19 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.02 | 0.18 | 0.32 | 1.14 | 1.01 | 35.26 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 35.26 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 98.22 | 3.00 | 0.00 | 0.00 | 2.33 | 0.00 | 0.03 | -5.08 |
| Change in Long Term Debt | - | 98.22 | 3.00 | 0.00 | - | - | - | - | 0.00 |
| Issuance of Long Term Debt | - | 198.38 | 3.80 | - | - | - | - | - | - |
| Reduction of Long Term Debt | - | -100.16 | -0.80 | 0.00 | - | - | - | - | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | -2.33 | 0.00 | 0.12 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | -2.33 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | - | 67.77 | -46.23 | -27.31 | -1.87 | 1.14 | 1.46 | 35.41 | -65.53 |
| Exchange Rate Effect | - | -0.10 | -0.56 | -1.51 | 1.54 | -0.47 | -1.61 | 0.35 | 0.00 |
| Net Change in Cash | - | -28.16 | 42.41 | 11.23 | 16.11 | 10.12 | -0.41 | 5.67 | -102.52 |
| Free Cash Flow | - | 86.57 | 95.37 | 50.54 | 17.25 | 28.59 | -5.27 | -0.19 | -37.06 |
| Price to Free Cash Flow | - | 4.24 | 6.32 | 9.75 | 7.18 | 4.16 | - | - | - |
Balance sheet, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 115.41 | 62.52 | 68.03 | 66.84 | 71.88 | 48.06 |
| Short Term Receivables | 526.64 | 568.91 | 747.73 | 661.91 | 612.00 | 522.06 |
| Investments | 52.80 | 49.56 | 43.23 | 44.80 | 37.89 | 30.73 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 193.56 | 192.75 | 194.35 | 193.26 | 195.08 | 194.98 |
| Deferred Tax Assets | 23.06 | 15.13 | 13.81 | 11.43 | 13.12 | 12.54 |
| Other Intangible Assets | 352.74 | 348.47 | 185.82 | 132.72 | 85.42 | 73.36 |
| Total Assets | 1,264.21 | 1,237.34 | 1,252.97 | 1,110.96 | 1,015.39 | 881.74 |
| Total Debt | 93.86 | 100.45 | 100.26 | 5.05 | 6.05 | 6.50 |
| Long Term Debt | 69.97 | 74.81 | 74.45 | 5.05 | 6.05 | 6.50 |
| Provision for Risks Charges | 106.46 | 79.40 | 88.38 | 83.07 | 44.47 | 33.99 |
| Deferred Tax Liabilities | 16.02 | 15.55 | 15.30 | - | - | - |
| Other Liabilities | 427.60 | 409.27 | 414.90 | 418.35 | 421.73 | 335.67 |
| Total Liabilities | 643.94 | 604.66 | 618.84 | 506.47 | 472.26 | 376.16 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 620.28 | 632.68 | 634.36 | 604.49 | 543.13 | 505.58 |
| Total Shareholders Equity | 620.28 | 632.68 | 634.36 | 604.49 | 543.13 | 505.58 |
| Accumulated Minority Interest | 0.00 | 0.00 | -0.22 | 0.00 | 0.00 | 0.00 |
| Total Equity | 620.28 | 632.68 | 634.13 | 604.49 | 543.13 | 505.58 |
| Total Liabilities & Stockholders Equity | 1,264.21 | 1,237.34 | 1,252.97 | 1,110.96 | 1,015.39 | 881.74 |
| Book Value Per Share | 11.85 | 12.09 | 12.12 | 11.33 | 10.18 | 9.47 |
| Tangible Book Value Per Share | 24.49 | 24.98 | 25.04 | 22.92 | 20.60 | 19.17 |
| Full-Time Employees | - | - | 1,155 | - | - | - |
| Price to Book Ratio | 0.12 | 0.37 | 0.51 | 1.01 | 1.69 | 1.79 |
| Return on Assets | 2.71 | 12.24 | 21.33 | 25.48 | 24.96 | 22.93 |
| Return on Equity | 5.32 | 22.78 | 40.02 | 46.87 | 48.16 | 42.99 |
| Return on Invested Capital | -3.91 | -1.26 | 2.00 | 8.63 | 13.07 | 14.48 |
| Quick Ratio | 1.79 | 1.89 | 1.88 | 1.71 | 1.64 | 1.73 |
| Current Ratio | 1.79 | 1.89 | 1.88 | 1.71 | 1.64 | 1.73 |
Cash flow, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|
Revenue breakdown
| Loan Facilitation Services | 2024: 558.23M 2025: 711.37M |
|---|---|
| Other Revenue - Others | 2024: 6.05M 2025: 702.68K |
| Other Revenue Referral Services | 2024: 54.00M 2025: 62.92M |
| Releasing of Guarantee Liabilities | 2024: 188.92M 2025: 90.79M |
| China | 2024: 807.20M 2025: 865.78M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.47% | 0.4M | 25.3M | 227.07K |
| 2026-10-15 | 0.51% | 0.1M | 25.3M | 50.52K |
| 2026-09-30 | 0.72% | 0.2M | 25.3M | 57.93K |
| 2026-09-15 | 0.60% | 0.2M | 25.3M | 76.32K |
| 2026-08-31 | 0.60% | 0.2M | 25.3M | 75.03K |
| 2026-08-14 | 0.44% | 0.1M | 25.3M | 80.09K |
| 2026-07-31 | 0.61% | 0.2M | 25.3M | 83.11K |
| 2026-07-15 | 0.77% | 0.2M | 25.3M | 83.42K |
| 2026-06-30 | 0.44% | 0.1M | 25.3M | 87.51K |
| 2026-06-15 | 0.43% | 0.1M | 25.3M | 73.59K |
| 2026-05-29 | - | 0.1M | - | 70.10K |
| 2026-05-15 | - | 0.1M | - | 63.21K |
| 2026-04-30 | - | 0.1M | - | 67.11K |
| 2026-04-15 | - | 0.1M | - | 72.16K |
| 2026-03-31 | - | 0.1M | - | 75.01K |
| 2026-03-13 | - | 0.1M | - | 74.73K |
| 2026-02-27 | - | 0.2M | - | 90.91K |
| 2026-02-13 | - | 0.1M | - | 152.99K |
| 2026-01-30 | - | 0.1M | - | 148.13K |
| 2026-01-15 | - | 0.1M | - | 150.59K |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 2.50 | 0.00 | 0.75 | 0.05 | 3.108 | 385 | 0.00 | 0.170 | -0.010 | 0.001 |
| call | 5.00 | 0.00 | 0.75 | 0.00 | 5.201 | 0.00 | 0.00 | 0.121 | -0.013 | 0.000 |
| call | 7.50 | 0.00 | 0.85 | 0.00 | 6.261 | 0.00 | 0.00 | 0.108 | -0.014 | 0.000 |
| put | 2.50 | 0.00 | 3.20 | 1.10 | 0.000 | 1.00 | 0.00 | -0.830 | -0.009 | 0.001 |
| put | 5.00 | 2.60 | 5.60 | 0.00 | 0.000 | 0.00 | 0.00 | -0.879 | -0.012 | 0.000 |
| put | 7.50 | 5.10 | 8.10 | 0.00 | 0.000 | 0.00 | 0.00 | -0.892 | -0.014 | 0.000 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-09-08 | 144/A | SEC | ||
| 2026-09-08 | 144/A | SEC | ||
| 2026-09-02 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-02 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-28 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-28 | SEC |
| 2026-07-23 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-07-23 | SEC |
| 2026-07-09 | 3 | Initial statement of beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-02 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-07-02 | SEC |
| 2026-06-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-23 | SEC |
| 2026-06-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-23 | SEC |
| 2026-06-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-23 | SEC |
| 2026-06-23 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-06-23 | SEC |
| 2026-06-04 | 3 | Initial statement of beneficial ownership of securities | 2026-06-01 | SEC |
| 2026-05-15 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-05-15 | SEC |
| 2026-04-28 | 20-F | Registration statement under Section 12 of the Securities Exchange Act of 1934 or an annual or transition report filed under Section 13(a) or 15(d) of the Exchange Act for a foreign private issuer. | 2025-12-31 | SEC |
| 2026-03-31 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-03-31 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2025-12-29 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-12-23 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-12-23 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-11-25 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2025-11-25 | SEC |
| 2025-11-12 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2025-11-12 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 0.34% |
| RAMSEY QUANTITATIVE SYSTEMS | 0.33% |
| DIMENSIONAL FUND ADVISORS LP | 0.32% |
| Trexquant Investment LP | 0.28% |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 0.22% |
| JANE STREET GROUP, LLC | 0.18% |
| GOLDMAN SACHS GROUP INC | 0.11% |
| HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND | 0.10% |
| AMERICAN CENTURY COMPANIES INC | 0.10% |
| MORGAN STANLEY | 0.09% |
Funds
| Fund | % owned |
|---|---|
| Avantis Emerging Markets Equity ETF | 0.09% |
| Dimensional World ex. U.S. Core Equity 2 ETF | 0.06% |
| Dimensional Emerging Markets Core Equity 2 ETF | 0.05% |
| Invesco Golden Dragon China ETF | 0.05% |
| EMERGING MARKETS CORE EQUITY 2 PORTFOLIO | 0.03% |
| World ex U.S. Core Equity Portfolio | 0.03% |
| Emerging Markets Social Core Equity Portfolio | 0.03% |
| Emerging Markets Targeted Value Portfolio | 0.02% |
| Fidelity Nasdaq Composite Index Fund | 0.01% |
| Avantis Responsible Emerging Markets Equity ETF | 0.00% |
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