Jiayin Group Inc
NASDAQ:JFIN
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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.
Profitability under pressure: Jiayin cut back lending growth to protect asset quality after new regulation and tighter industry liquidity, which helped risk control but weighed on revenue and profit in the quarter.
Full-year growth: For 2025, loan facilitation volume reached RMB 129 billion, revenue was RMB 6.22 billion, and net income was RMB 1.54 billion, all higher year over year.
Risk reset: Management said risk stayed elevated through November but began improving in December, and they tightened borrower standards, credit limits, and channel mix to reduce exposure.
Q1 outlook: The company expects first-quarter 2026 loan facilitation volume of RMB 18.5 billion to RMB 19.5 billion and said it will stay cautious because the market is still digesting last year’s volatility.
Overseas momentum: Indonesia and Mexico were highlighted as fast-growing growth engines, with management saying both markets roughly doubled in 2025 and should keep scaling in 2026.
AI and returns: Jiayin upgraded its AI strategy toward direct business value creation and also emphasized shareholder returns, including USD 41.1 million of cash dividends and nearly USD 30.4 million of buybacks in 2025.
