Jiayin Group ( (JFIN) ) has released its Q2 earnings. Here is a breakdown of the information Jiayin Group presented to its investors.
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Jiayin Group Inc. is a prominent fintech platform in China, specializing in connecting underserved individual borrowers with financial institutions through its advanced risk management system and AI-powered capabilities. The company recently released its second-quarter 2025 financial results, showcasing significant growth in loan facilitation volume and net revenue.
In the second quarter of 2025, Jiayin Group reported a 54.6% increase in loan facilitation volume, reaching RMB37.1 billion, and a 27.8% rise in net revenue, totaling RMB1,886.2 million. The company’s income from operations surged by 181.4%, while net income increased by 117.8%, reflecting the company’s robust performance amidst economic uncertainties.
Key financial metrics highlighted include a decrease in the average borrowing amount per borrower by 10.5%, a 75.6% contribution from repeat borrowers, and a 1.12% 90-day delinquency ratio. The company also reported a notable increase in non-GAAP income from operations, reaching RMB737.6 million, demonstrating its operational efficiency and strategic focus on AI-driven risk management.
Looking ahead, Jiayin Group maintains a positive outlook, with expectations of continued growth in loan facilitation volume and non-GAAP income from operations for the remainder of 2025. The company remains committed to leveraging its AI capabilities to enhance cost efficiency and risk management, aiming to sustain its competitive edge in the fintech sector.