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Recent press releases and 8-K filings for JFIN.
Jiayin Group Reports Strong Q3 2025 Results and Reiterates Full Year Guidance
JFIN
Earnings
Guidance Update
New Projects/Investments
- Jiayin Group reported a 20.6% year-on-year increase in loan facilitation volume to RMB 32.2 billion and a 39.7% increase in net income to RMB 376.5 million for Q3 2025.
- At the end of Q3 2025, the 90-plus-day delinquency rate was 1.33%, repeat borrowers constituted 78.6% of facilitation volume, and the average borrowing amount grew 19.5% year-on-year to RMB 9,115.
- For the full year 2025, the company projects loan facilitation volume to be between RMB 127.8 billion and RMB 129.8 billion, and non-GAAP operating profit between RMB 1.99 billion and RMB 2.06 billion.
- Strategic advancements in AI include in-house models that reduced costs by over RMB 1 million and compressed fraud detection timeliness from a week to within two hours. Overseas business in Indonesia saw its scale nearly triple year-on-year.
Nov 25, 2025, 12:00 PM
Jiayin Group Announces Q3 2025 Results and Full-Year Guidance
JFIN
Earnings
Guidance Update
New Projects/Investments
- Jiayin Group reported a 39.7% year-on-year increase in net income to RMB 376.5 million and a 50.3% increase in non-GAAP income from operation to RMB 490.6 million for Q3 2025.
- Loan facilitation volume for Q3 2025 grew 20.6% year-on-year to RMB 32.2 billion, and the 90-plus-day delinquency rate stood at 1.33% at quarter-end.
- The company provided full-year 2025 guidance, projecting loan facilitation volume between RMB 127.8 billion and RMB 129.8 billion (up 26.8%-28.8% year-on-year) and non-GAAP operating profit between RMB 1.99 billion and RMB 2.06 billion (up 52.3%-57.6% year-on-year).
- Jiayin Group is expanding its overseas presence, with its Indonesian business scale increasing by nearly 200% year-on-year, and is adapting to new loan facilitation regulations, which are expected to lead to downward pressure on pricing and a shift towards moderate revenue take rates and sustainable margins in the long term.
Nov 25, 2025, 12:00 PM
Jiayin Group Reports Strong Q3 2025 Results and Updates Full Year Guidance
JFIN
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Jiayin Group reported a loan facilitation volume of RMB 32.2 billion in Q3 2025, marking a 20.6% year-on-year increase, and a non-GAAP income from operation of RMB 490 million, up 50.3% year-on-year.
- The company's net income for Q3 2025 increased by 39.7% year-on-year to RMB 376.5 million, with basic and diluted net income per ADS reaching RMB 7.32.
- For the full year 2025, Jiayin Group projects loan facilitation volume to be between RMB 127.8 billion and RMB 129.8 billion, representing 26.8%-28.8% year-on-year growth, and non-GAAP operating profit between RMB 1.99 billion and RMB 2.06 billion, reflecting 52.3%-57.6% growth.
- The 90-plus-day delinquency rate stood at 1.33% at the end of Q3 2025, and repeat borrowers accounted for 78.6% of facilitation volume. The company is also adapting to new loan facilitation regulations and expanding its overseas business, with Indonesia's business scale increasing by nearly 200% year-on-year.
Nov 25, 2025, 12:00 PM
Jiayin Group Inc. Reports Third Quarter 2025 Unaudited Financial Results
JFIN
Earnings
Guidance Update
Share Buyback
- Jiayin Group Inc. reported net income of RMB376.5 million (US$52.9 million) for the third quarter ended September 30, 2025, representing an increase of 39.7% from the same period of 2024. Net revenue for the quarter was RMB1,470.2 million (US$206.5 million), an increase of 1.8% from Q3 2024.
- Loan facilitation volume for Q3 2025 reached RMB32.2 billion (US$4.5 billion), up 20.6% from the same period in 2024. The 90 day+ delinquency ratio was 1.33% as of September 30, 2025.
- The company forecasts its loan facilitation volume for the full year 2025 to be in the range of RMB127.8 billion to RMB129.8 billion, and non-GAAP income from operation for the full year 2025 to be between RMB1.99 billion and RMB2.06 billion.
- As of November 25, 2025, Jiayin Group Inc. had repurchased approximately 4.6 million ADSs for approximately US$30.4 million under its share repurchase plan, which authorizes repurchases up to US$80 million through June 12, 2026.
Nov 25, 2025, 11:11 AM
Jiayin Group Inc. secures RMB600 million loan facility
JFIN
Debt Issuance
- Jiayin Group Inc.'s indirect wholly-owned subsidiary, Shanghai Jirongzhicheng Enterprise Development Co., Ltd., entered into a loan facility agreement for up to RMB600 million with certain financial institutions on November 6, 2025.
- The loan facility has an interest rate equal to the over-five-year loan prime rate (currently 3.5%) and will mature on November 11, 2032.
- The company plans to use the proceeds from the loan facility as general working capital.
- The facility is secured by a mortgage on commercial property, a pledge of 100% equity interest in Jirongzhicheng, and guarantees from its parent Geerong Yunke and Shanghai Jiayin Technology Co., Ltd..
Nov 12, 2025, 11:05 AM
Quarterly earnings call transcripts for Jiayin Group.
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