Jiayin Group Inc. (JFIN) Announces Second Quarter 2025 Unaudited Financial Earnings Results

Jiayin Group Inc. (JFIN) today announced its financial results for the most recent quarter, revealing a revenue of $263.3 million. While the company met earnings expectations with an earnings per share (EPS) of $0, it fell short of revenue estimates by a significant margin, missing the projected $1.96 billion by approximately $1.7 billion. This performance highlights the challenges Jiayin Group faces in achieving its growth targets amidst a competitive landscape.

Key Highlights:

• Total loan facilitation volume increased by 54.6% to RMB37.1 billion (US$5.2 billion).
• Net revenue grew by 27.8% to RMB1,886.2 million (US$263.3 million).
• Non-GAAP income from operations reached RMB737.6 million (US$103.0 million), up from RMB261.6 million in the same period of 2024.
• Net income rose by 117.8% to RMB519.1 million (US$72.5 million).
• The company expects full-year loan facilitation volume for 2025 to be between RMB137.0 billion and RMB142.0 billion.

In the second quarter of 2025, Jiayin Group Inc. reported significant growth in its financial performance, with total loan facilitation volume reaching a record RMB37.1 billion, marking a 54.6% increase year-over-year. The company’s net revenue also saw a substantial rise of 27.8%, driven primarily by the increased volume of loans facilitated. Mr. Yan Dinggui, the CEO, emphasized the resilience of their business model, stating, “Non-GAAP income from operation totaled RMB737.6 million, demonstrating the resilience and adaptability of our core business model amid macroeconomic uncertainty.” He highlighted the importance of leveraging AI-powered fintech capabilities to enhance cost efficiency and risk management.

Looking ahead, Jiayin Group anticipates its loan facilitation volume for the full year of 2025 to be in the range of RMB137.0 billion to RMB142.0 billion, with expectations for the third quarter set between RMB32.0 billion and RMB34.0 billion. The company also projects a non-GAAP income from operations for the third quarter to be between RMB0.49 billion and RMB0.56 billion. This outlook reflects the company’s current assessment of market conditions and operational capabilities, which may evolve as circumstances change.

Jiayin Group Inc. (JFIN) has experienced a rollercoaster ride in its stock price, with a notable decline of 5.31% over the past week and a staggering 23.57% drop in the last month. However, looking at the longer-term picture, the stock has rebounded impressively, boasting a 139.28% increase over the past year, highlighting its potential for recovery and growth. The company’s fundamentals present a mixed bag; while it boasts a remarkably low price-to-earnings ratio of 0.55, indicating that the stock may be undervalued, its earnings per share have seen a negative compound annual growth rate (CAGR) of -1.84% over the past two years. On a brighter note, Jiayin’s revenue has grown at a robust CAGR of 22.48%, showcasing its ability to expand its top line. Additionally, the company enjoys a solid return on invested capital of 40.97% and a net profit margin of 21.2%, suggesting efficient management and profitability. As investors weigh these metrics against the recent price volatility, Jiayin Group Inc. remains a compelling, albeit risky, option in the market.

Jiayin Group Inc. provides online consumer finance services in the People’s Republic of China. The company operates a fintech platform that facilitates transparent, secure, and fast connections between individual borrowers and financial institutions funding partners. It also provides referral services for investment products offered by the financial service providers; and software development, risk control, marketing support, and IT assistance services. The company was founded in 2011 and is headquartered in Shanghai, the People’s Republic of China.