The earnings call revealed strong financial performance with record loan facilitation volumes, significant net income growth, and robust performance in overseas markets. Technological advancements in AI contributed to efficiency gains, and the company made strides in ESG initiatives and shareholder returns. However, increased expenses in sales, marketing, and general administration were noted as challenges.

Company Guidance

During Jiayin Group's Second Quarter 2025 Earnings Conference Call, the company provided guidance for the third quarter of 2025, projecting a loan facilitation volume between RMB 32 billion and RMB 34 billion. The non-GAAP income from operations is expected to range from RMB 0.49 billion to RMB 0.56 billion. The company achieved a loan facilitation volume of RMB 37.1 billion in the second quarter, marking a year-on-year increase of approximately 54.6%. Non-GAAP income from operations reached RMB 738 million, up approximately 182% year-on-year, while net income rose to RMB 519 million, a 117.8% increase. Jiayin Group has maintained cooperation with 70 financial institutions and is negotiating with another 58. The company reported a stable 90-day plus delinquency ratio at 1.12% and emphasized ongoing investment in AI technology to enhance operational efficiency and risk management capabilities. The management expects a positive impact from new regulations on the industry, fostering long-term sustainable growth.

Record Loan Facilitation Volume

The company achieved a loan facilitation volume of RMB 37.1 billion, representing a year-on-year increase of approximately 54.6%, setting a new record.

Significant Increase in Net Income

Net income reached RMB 519 million, a year-on-year increase of approximately 117.8%.

Robust Overseas Market Growth

In Indonesia, loan disbursements increased by over 200% year-on-year and registered users grew by approximately 170%. In Mexico, loan disbursement and registered users both increased by nearly 40% quarter-on-quarter.

Strong ESG and Shareholder Returns

The company released its 2024 ESG report, highlighting progress in sustainable development, and distributed an annual cash dividend with a total amount of approximately USD 41.1 million, representing an increase of over 50% compared to last year.

Technological Advancements in AI

The implementation of AI technology resulted in significant cost reductions and efficiency improvements, with the cost of AI-generated conversation summaries decreasing by approximately 80% year-on-year.

Jiayin Group (JFIN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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JFIN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 19, 2025	2025 (Q3)	- / -	0.708	―	―	―
Aug 20, 2025	2025 (Q2)	- / 1.36	0.62	119.68% (+0.74)	―
Jun 04, 2025	2025 (Q1)	- / 1.39	0.716	93.99% (+0.67)	―
Mar 27, 2025	2024 (Q4)	- / 0.72	0.953	-24.34% (-0.23)	―
Nov 20, 2024	2024 (Q3)	- / 0.71	0.832	-14.90% (-0.12)	―
Aug 27, 2024	2024 (Q2)	- / 0.62	0.869	-28.65% (-0.25)
Jun 06, 2024	2024 (Q1)	- / 0.72	1.31	-45.34% (-0.59)
Mar 28, 2024	2023 (Q4)	- / 0.95	2.49	-61.73% (-1.54)
Nov 22, 2023	2023 (Q3)	- / 0.83	0.679	22.53% (+0.15)
Aug 21, 2023	2023 (Q2)	- / 0.87	1.18	-26.36% (-0.31)	―	―

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
Aug 20, 2025	$12.84	$12.25	-4.60%
Jun 04, 2025	$14.53	$15.73	+8.26%
Mar 27, 2025	$11.56	$14.18	+22.66%
Nov 20, 2024	$6.50	$5.58	-14.15%

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 Inc (JFIN) report earnings?

Jiayin Group Inc (JFIN) is schdueled to report earning on Nov 19, 2025, Before Open (Confirmed).

What is Jiayin Group Inc (JFIN) earnings time?

Jiayin Group Inc (JFIN) earnings time is at Nov 19, 2025, Before Open (Confirmed).

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