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    Hua Reum

    Vice President and Equity Analyst at Jinyu Assets

    Hua Reum is a Vice President and Equity Analyst at Jinyu Assets, specializing in coverage of Chinese consumer and technology companies such as Alibaba, Tencent, JD.com, and Meituan. Demonstrating a strong performance record, Hua has maintained a recommendation success rate of over 65% and generated an average annualized return exceeding 14% on covered stock picks, as tracked by investment analytics platforms. Joining Jinyu Assets in 2021 after previous equity research roles at Ping An Securities and China International Capital Corporation, Hua brings deep sector insight and a rigorous approach to financial analysis. Hua holds a Chartered Financial Analyst (CFA) designation and is registered with relevant securities regulators, recognized for providing timely market calls and actionable investment insights.

    Hua Reum's questions to Jiayin Group (JFIN) leadership

    Hua Reum's questions to Jiayin Group (JFIN) leadership • Q4 2024

    Question

    Hua Reum from Jinyu Assets asked about the reasons for the decline in net income in 2024 and future cost control plans. She also inquired about the company's strategy to optimize borrower experience, increase loyalty, and attract new borrower groups in 2025.

    Answer

    Chief Financial Officer Chunlin Fan attributed the net income decline to three factors: a high comparison base due to a one-time gain in Q4 2023, increased borrower acquisition costs, and higher R&D spending. He expressed confidence in future profitability, introducing non-GAAP income from operations guidance and highlighting an increased dividend policy. Chief Risk Officer Xu Yifang then addressed borrower strategy, outlining plans to enhance the user experience through platform partnerships, better service, and one-stop credit solutions, while maintaining the current focus on acquiring high-quality borrowers.

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