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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

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

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Income Tax Expense

Current Income Tax

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Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

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Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

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Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

JFIN

JFIN fundamentals

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