JFIN
Jiayin Group·NASDAQ
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JFIN fundamentals
Jiayin Group (JFIN) released its earnings on Nov 25, 2025: revenue was 206.52M (YoY +0.30%), beat estimates; EPS was 1.028234 (YoY +468.17%), missed estimates.
Revenue / YoY
206.52M
+0.30%
EPS / YoY
1.028234
+468.17%
Report date
Nov 25, 2025
JFIN Earnings Call Summary for Q3,2025
- Revenue Surge: Q3 loan volume up 20.6% YoY to RMB 32.2 billion, with non-GAAP income jumping 50.3% to RMB 490 million. Full-year guidance targets 26.8-28.8% growth in volume.
- AI Breakthroughs: In-house anti-fraud models reduced costs by RMB 1 million+ and achieved 90% fraud detection accuracy. AI agent support enabled 100% staff coverage and efficiency gains.
- Overseas Momentum: Indonesia business scaled 200% YoY, with Mexico operations expanding user base and laying groundwork for long-term growth.
- Profitability Resilience: Net income up 39.7% YoY to RMB 376.5 million, with full-year profit expected to exceed 2024 levels despite regulatory headwinds.
- Risk Management Excellence: 90+ day delinquency rate at 1.33%, supported by advanced risk models and 78.6% repeat borrower contribution to volume.
EPS
Revenue
Revenue & Expenses
JFIN has released its 2025 Q3 earnings report, with revenue of 206.52M, reflecting a YoY change of 0.30%, and net profit of 52.88M, showing a YoY change of 37.65%. The Sankey diagram below clearly presents JFIN's revenue sources and cost distribution.
Key Indicators
Jiayin Group (JFIN) key financial stats and ratios, covering profitability, financial health, and leverage.
Jiayin Group (JFIN)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Jiayin Group (JFIN)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Jiayin Group (JFIN)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Jiayin Group (JFIN) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Jiayin Group (JFIN) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the revenue and EPS growth rate for Jiayin Group year over year?What does Jiayin Group do and what are its main business segments?Did Jiayin Group beat or miss consensus estimates last quarter?What is Jiayin Group's gross profit margin?What is the market's earnings forecast for Jiayin Group next quarter?What were the key takeaways from Jiayin Group’s earnings call?What factors drove the changes in Jiayin Group's revenue and profit?What is Jiayin Group's latest dividend and current dividend yield?
