Jiayin Group's Q2 2025: Key Contradictions on Regulations, Profitability, and Shareholder Returns

Impact of regulations on business operations, profitability outlook and drivers, shareholders' returns and dividend strategy, profit margin and loan facilitation volume expectations, investment in technology and risk management are the key contradictions discussed in Jiayin Group's latest 2025Q2 earnings call.



Loan Facilitation Volume Growth:
- Jiayin Group achieved a loan facilitation volume of RMB 37.1 billion in Q2, marking a year-on-year increase of approximately 54.6%.
- The growth was driven by leveraging core strengths, supporting household consumption potential, and strategic partnerships in the financial sector.

Operational Profitability Improvement:
- The company's non-GAAP income from operations reached RMB 738 million, up approximately 182% year-on-year.
- This improvement is attributed to economies of scale, revenue mix optimization, and strategic investments in AI technology and R&D.

Risk Management and Borrower Outreach:
- Jiayin Group increased the number of borrowers to 908,000 in Q2, representing a year-on-year increase of approximately 33.5%.
- Enhanced risk management technologies, borrower segmentation, and strategic partnerships contributed to balanced growth between new and repeat borrowers.

Investment in AI and Technology:
- The company continues to invest heavily in AI, with a focus on building foundational capabilities and scenario-based applications.
- This investment has resulted in significant cost reductions and efficiency improvements, particularly in agent assistance scenarios, where AI-generated conversation summaries decreased by approximately 80% year-on-year.

Overseas Market Expansion:
- In Indonesia, loan disbursements increased by over 200% year-on-year, while registered users grew by approximately 170%.
- Growth is supported by maintaining compliance, enhancing user accumulation, and optimizing risk control systems.