Jiayin Group ( (JFIN) ) has released its Q3 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 based in China, specializing in connecting underserved individual borrowers with financial institutions through its secure and data-driven platform. The company recently reported its unaudited financial results for the third quarter of 2025, showcasing a robust performance amidst a challenging macroeconomic environment.
In the third quarter of 2025, Jiayin Group achieved a loan facilitation volume of RMB32.2 billion, marking a 20.6% increase from the previous year. The company’s net revenue rose slightly by 1.8% to RMB1,470.2 million, while income from operations saw a significant boost of 46.5%, reaching RMB456.9 million. Net income also experienced a notable rise of 39.7% to RMB376.5 million, reflecting the company’s strategic focus on operational resilience and risk management.
Key financial metrics highlighted in the report include a 19.5% increase in the average borrowing amount per borrower and a 78.6% contribution from repeat borrowers, up from 73.0% in the same period last year. The company’s non-GAAP income from operations was RMB490.6 million, a substantial increase from RMB326.5 million in the third quarter of 2024. Additionally, Jiayin Group’s facilitation and servicing expenses decreased significantly, contributing to the improved financial performance.
Looking ahead, Jiayin Group remains committed to enhancing its competitive edge in the fintech sector by advancing AI technologies and refining operational workflows. The company anticipates its loan facilitation volume for the full year of 2025 to be between RMB127.8 billion and RMB129.8 billion, with continued focus on delivering stakeholder-centric value and maintaining its position at the forefront of fintech innovation.