Jiayin Group Inc
NASDAQ:JFIN
Jiayin Group Inc
Jiayin Group, Inc. engages in online individual finance marketplace in China connecting individual investors and individual borrowers. The company is headquartered in Shanghai, Shanghai. The company went IPO on 2019-05-10. The firm's businesses include loan facilitation services, post-origination services and other businesses. The loan facilitation services included services provided for the facilitation of loan transactions between borrowers and institutional funding partners. The other businesses included provision of referral services for investment products, guarantee services and so on.
Jiayin Group, Inc. engages in online individual finance marketplace in China connecting individual investors and individual borrowers. The company is headquartered in Shanghai, Shanghai. The company went IPO on 2019-05-10. The firm's businesses include loan facilitation services, post-origination services and other businesses. The loan facilitation services included services provided for the facilitation of loan transactions between borrowers and institutional funding partners. The other businesses included provision of referral services for investment products, guarantee services and so on.
Loan Volume: Jiayin facilitated RMB 32.2 billion in loans in Q3 2025, up 20.6% year-on-year.
Profitability: Net income for the quarter was RMB 376.5 million, rising 39.7% year-on-year and yielding a net margin of 25.6%.
Revenue: Net revenue reached RMB 1,470.2 million, increasing 1.8% from the prior year.
Guidance: Full-year 2025 loan facilitation volume is projected at RMB 127.8–129.8 billion, with non-GAAP operating income expected at RMB 1.99–2.06 billion, both representing strong double-digit growth.
Regulatory Impact: New loan regulations created short-term pricing and liquidity pressure, but Jiayin reports full compliance and has made strategic adjustments.
AI Investments: Jiayin accelerated AI deployment, reducing costs, improving fraud detection, and boosting operational efficiency.
International Expansion: Indonesian loan volumes grew nearly 200% year-on-year, with the number of borrowers up about 150%.
