The earnings call presented strong growth in loan facilitation volume and profitability metrics, driven by strategic expansion and technological integration. Despite increased marketing expenses and customer acquisition costs, the company demonstrated significant international growth and improved profitability, outweighing the noted challenges.

Company Guidance -

Q2 2025

During Jiayin Group's earnings call for the first quarter of 2025, the company provided optimistic guidance for the second quarter, projecting loan facilitation volumes between RMB 37 billion and RMB 39 billion and non-GAAP operating profits ranging from RMB 660 million to RMB 730 million. The first quarter saw significant growth, with loan facilitation volumes reaching RMB 35.6 billion, a 58.2% year-over-year increase. The company also recorded a non-GAAP operating profit of RMB 607 million, marking a 91.6% increase, and a net profit of RMB 540 million, up 97.5% from the previous year. This growth was fueled by strategic efforts in borrower acquisition, leading to 1.056 million new borrowers, and the expansion of partnerships with 59 financial institutions, while another 55 are in discussions. The company highlighted its continued focus on technological enhancements and AI integration to improve operational efficiency and risk management, with their 90-day plus delinquency ratio standing at 1.13%. Additionally, Jiayin Group increased its dividend payout ratio to approximately 30% and extended its share repurchase program to June 2026, reflecting a commitment to shareholder returns.

Strong Loan Facilitation Volume Growth

Loan facilitation volume reached RMB 35.6 billion, marking a year-over-year increase of 58.2%.

Record Non-GAAP Operating Profit

Non-GAAP operating profit hit RMB 607 million, a year-over-year increase of 91.6%.

Significant Net Profit Increase

Net profit surged to RMB 540 million, reflecting a year-over-year rise of 97.5%.

Expansion of New Borrowers

The company added 1.056 million new borrowers, representing a year-over-year growth of 126.6%.

AI Integration and Technological Advancements

Launched Fuxi model management platform, covering 90% of business lines, improving model deployment efficiency threefold.

International Growth in Indonesia and Mexico

Indonesian operations saw new registered users surge by 196% and loan volume grow by 190% year over year.

Enhanced Dividend Policy

Dividend payout ratio increased to approximately 30% of the previous fiscal year's net profit after tax.

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
Aug 26, 2025	2025 (Q2)	- / -	0.62	―	―	―
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)	―	―
Jun 08, 2023	2023 (Q1)	- / 0.18	0.093	95.52% (+0.09)	―	―

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 04, 2025	$15.20	$16.46	+8.29%
Mar 27, 2025	$12.10	$14.84	+22.64%
Nov 20, 2024	$6.80	$5.84	-14.12%
Aug 27, 2024	$6.22	$5.45	-12.38%

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 Aug 26, 2025, Before Open (Confirmed).

What is Jiayin Group Inc (JFIN) earnings time?

Jiayin Group Inc (JFIN) earnings time is at Aug 26, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

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What is JFIN EPS forecast?

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