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Jiayin Group (JFIN) investor relations material
Jiayin Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary25 Nov, 2025
Executive summary
Achieved robust business resilience in Q3 2025, meeting previously issued guidance for loan facilitation volume and non-GAAP operating income, with a strategic focus on operational resilience, risk management, and AI-driven efficiency improvements.
Achieved RMB32.2 billion ($4.5 billion) in loan facilitation volume, up 20.6% year-over-year, and net revenue rose 1.8% year-over-year to RMB1,470.2 million ($206.5 million).
Net income increased 39.7% year-over-year to RMB376.5 million ($52.9 million), with net margin at 25.6%.
Non-GAAP income from operation reached RMB490.6 million ($68.9 million), up 50.3% year-over-year.
Navigated a challenging regulatory and liquidity environment with prudent risk management and operational adjustments.
Financial highlights
Loan facilitation volume reached RMB32.2 billion, up 20.6% year-over-year.
Net revenue was RMB1,470.2 million, a 1.8% increase year-over-year.
Non-GAAP income from operation was RMB490.6 million, up from RMB326.5 million a year ago.
Net income for Q3 was RMB376.5 million, up 39.7% year-over-year.
Basic and diluted net income per share was RMB1.83, and per ADS was RMB7.32.
Outlook and guidance
Q4 2025 loan facilitation volume projected at RMB23–25 billion.
Full year 2025 facilitation volume expected at RMB127.8–129.8 billion, up 26.8%–28.8% year-over-year.
Full year non-GAAP operating profit guidance set at RMB1.99–2.06 billion, up 52.3%–57.6%.
Margins expected to moderate but remain at healthy, sustainable levels as industry shifts to higher quality borrowers.
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Next Jiayin Group earnings date
Q4 202527 Mar, 2026
Next Jiayin Group earnings date
Q4 202527 Mar, 2026
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Frequently asked questions
Jiayin Group Inc. is a financial technology company that operates an online lending platform in China. The company connects individual borrowers with institutional investors, providing unsecured consumer loans through its digital platform. Jiayin Group uses proprietary risk assessment technology and data analytics to facilitate credit underwriting and improve loan matching efficiency. The company is headquartered in Shanghai, China, and its shares are listed on the NASDAQ.
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