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- **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.

**【CEO Summary Section】**
- **Revenue Growth**: Loan facilitation volume reached RMB 32.2 billion (20.6% YoY), with non-GAAP operating income of RMB 490 million (50.3% YoY). Full-year guidance: RMB 127.8-129.8 billion in volume and RMB 1.99-2.06 billion in non-GAAP income.
- **AI Innovations**: Introduced multimodal anti-fraud systems reducing costs by RMB 1 million+ and achieving 90% fraud detection accuracy. AI agent support boosted staff efficiency with 100% coverage.
- **Overseas Expansion**: Indonesian business grew 200% YoY in volume, with 20%+ stake acquisition. Mexico operations expanded user base and loan volume, focusing on foundational capacity building.
- **Risk Management**: 90+ day delinquency rate at 1.33%, with tightened risk models and 78.6% repeat borrower contribution to volume.

**【CFO Financial Commentary】**
- **Net Revenue**: RMB 1.47 billion (1.8% YoY), driven by cost control (facilitation expenses down 31.8% YoY) and R&D investment (13.3% YoY increase).
- **Profitability**: Net income RMB 376.5 million (39.7% YoY), with basic EPS at RMB 1.83. Full-year net profit expected to surpass 2024 levels.
- **Liquidity**: Cash reserves of RMB 124.2 million, reflecting cautious capital allocation amid regulatory changes.

**【Q&A Highlights】**
- **Regulatory Impact**: New pricing regulations led to cautious customer acquisition and traffic mix optimization. Borrower segmentation strategies maintained asset quality amid industry-wide liquidity tightening.
- **Margin Expectations**: Short-term margin pressure due to pricing adjustments, but long-term focus on high-quality borrower segments and sustainable growth. Revenue take rate expected to stabilize as industry barriers rise.
- **Strategic Adjustments**: Increased investment in AI-driven risk control and cross-industry partnerships to navigate regulatory cycles and enhance operational agility.

Jiayin Group Inc. (JFIN) Q3 2025 Earnings Call Transcript

Revenue

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Financing Services Revenue

Other Revenue

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Cost of Financing Services

Other Cost

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Operating Expenses

Selling, General and Administrative Expenses

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JFIN

JFIN fundamentals

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