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Earnings Data
Report Date
Aug 26, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
1.36Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Negative
The call highlighted meaningful operational and strategic progress — notably stronger repeat-borrower engagement, rapid growth in the technology empowerment business, international expansion, and significant AI and anti-fraud improvements. However, these positives were overshadowed by material financial deterioration: large year-over-year declines in transaction volume (-45.8%) and revenue (-57.4%), a return to a net loss (RMB 61.7 million), declining cash balances, and rising 90+ day delinquencies. Management emphasized cost controls and strategic shifts (product diversification, tech services, tightened underwriting), but near-term guidance points to an even smaller Q2 volume range (RMB 9.5–10.5 billion), indicating continued pressure. Overall, although strategic initiatives and technology investments are promising for the medium term, the immediate financial and market trends are negative.Company Guidance
High Repeat Borrower Engagement
Repeat borrowing accounted for 76.3% of transaction volume, up 4.4 percentage points year-over-year, indicating stronger engagement and retention among existing higher-quality borrowers.
Tech Empowerment Business Growth
Transaction volume generated through the company's technology empowerment services reached RMB 1.52 billion in the quarter, a sequential increase of approximately 67.6%, demonstrating expanding partnerships with financial institutions and traction for the technology-and-operations service model.
International Expansion Momentum
Indonesia loan volume grew 20% quarter-over-quarter and more than doubled year-over-year; Mexico local partner loan volume increased 35% sequentially with strong year-over-year growth. Revenue from overseas markets continued to increase, supporting globalization strategy.
AI and Engineering Productivity Gains
AI initiatives reduced risk-model feature iteration cycles from several days to under one hour; AI agents generate roughly 30% of AI-assisted code, improving development efficiency by ~20%, strengthening the foundation for large-scale AI deployment.
Customer Service AI Improvements
Proprietary models deployed across customer service improved intent recognition accuracy from 78% to 93% and reduced model inference costs by ~90%, significantly enhancing service efficiency.
Robust Anti-Fraud Capabilities
The multimodal anti-fraud system identified ~5 million suspicious audio/video samples with accuracy exceeding 90%; the company blocked ~290,000 fraudulent borrowers and intercepted ~113,000 malicious applications during the quarter, advancing proactive fraud prevention.
Auto-Backed Loan Product Digitalization
Auto-backed loans v3.0 achieved end-to-end fully digital operations with strong growth momentum and market-leading user conversion rates under a full online model, expanding the product portfolio to serve differentiated borrower segments.
Share Repurchase Capacity
Company extended the share repurchase program through June 12, 2027, with approximately $49.6 million remaining available, providing a mechanism to return capital if conditions permit.
JFIN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
JFIN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jun 23, 2026 | $3.98 | $2.85 | -28.39% |
Mar 31, 2026 | $4.78 | $4.19 | -12.34% |
Nov 25, 2025 | $7.22 | $7.41 | +2.63% |
Aug 20, 2025 | $12.84 | $12.25 | -4.60% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Jiayin Group (JFIN) report earnings?
Jiayin Group (JFIN) is schdueled to report earning on Aug 26, 2026, Before Open (Confirmed).
What is Jiayin Group (JFIN) earnings time?
Jiayin Group (JFIN) earnings time is at Aug 26, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
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What is JFIN EPS forecast?
Currently, no data Available