Jiayin Group (JFIN)
NASDAQ:JFIN
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Earnings Data
Report Date
Jun 10, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
1.39Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presents a balanced picture: strong full-year growth in loan facilitation, revenue and net income and notable progress in international expansion, AI strategy and shareholder returns are positive. However, Q4 showed pronounced declines in quarterly revenue, operating income and cash balances, driven by regulatory tightening, liquidity pressure and deliberate de-risking that compressed margins and volumes. Management emphasizes a disciplined, compliance-first stance and early signs of stabilization in asset quality, but near-term headwinds persist.Company Guidance
Full-Year Revenue and Profit Growth
Full-year 2025 revenue of RMB 6.22 billion, up ~7.3% year-over-year, and net income of RMB 1.54 billion, up ~45.4% year-over-year, representing a full-year net margin of 24.7% — demonstrating strong full-year operational resilience.
Significant Annual Loan Facilitation Expansion
Total loan facilitation volume for 2025 reached RMB 129 billion, up approximately 28% year-over-year, indicating continued scale expansion over the full year despite a tougher regulatory environment.
High Repeat Borrower Contribution
Repeat borrowing accounted for 79.4% of loan facilitation volume, an increase of 6.7 percentage points year-over-year, reflecting improved retention and monetization of existing customers.
Rapid Overseas Growth
Indonesia facilitation volume grew ~187% year-over-year with registered users +~119% YoY; Mexico facilitation volume grew ~105% YoY with registered users +~110% YoY. Management targets continued doubling in scale internationally in 2026 and progress toward market-level profitability.
Expanded Institutional Partnerships
Maintains partnerships with 79 financial institutions and is negotiating with an additional 53, strengthening funding diversity and resilience amid market tightening.
AI and Technology Strategy Upgrade
Advanced multimodal AI, antifraud, AI-powered agents and data intelligence efforts; reorganized AI strategy into production and non-production tracks to shift from capability-building to value creation and embed AI across borrower acquisition, risk management, marketing and operations.
Shareholder Returns and Buyback Activity
Distributed cash dividends totaling USD 41.1 million in 2025 (an increase of >50% YoY). Raised repurchase quota to no less than USD 80 million and repurchased ~4.6 million ADS for ~USD 30.4 million to date.
Risk Management and Early Improvement
Implemented phased tightening of entry criteria, credit limit optimization and product iteration; management reports internal analysis showing improvement in risk metrics of ~25%–30% amid the industry cycle and a 90+ day delinquency ratio at 2.03% at quarter end with forward-looking indicators improving into 2026.
Social Impact and CSR Recognition
Philanthropic initiatives reached scale: trained >30,000 teachers/students/parents across >1,300 schools, conducted mental health assessments for >60,000 people, and built a volunteer team of 120 members with ~3,800 service hours — recognized by government and social organizations.
Q1 2026 Guidance
Management provided a prudent Q1 2026 loan facilitation volume guidance of RMB 18.5 billion to RMB 19.5 billion, indicating forward planning and conservative liquidity posture.
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 |
|---|---|---|---|
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% |
Jun 04, 2025 | $14.53 | $15.73 | +8.26% |
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 Jun 10, 2026, Before Open (Confirmed).
What is Jiayin Group (JFIN) earnings time?
Jiayin Group (JFIN) earnings time is at Jun 10, 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