Jiayin Group Inc. (NASDAQ:JFIN), a prominent fintech platform based in China, posted robust second-quarter earnings on Wednesday, highlighted by a 54.6% year-over-year surge in loan facilitation volume to RMB37.1 billion (US$5.2 billion). Net revenue climbed 27.8% to RMB1.89 billion (US$263.3 million).
Following the report, Jiayin’s shares rose 0.93% in after-hours trading.
Operating income soared 181.4% from the prior year, reaching RMB639.1 million (US$89.2 million). Net income also more than doubled, advancing 117.8% to RMB519.1 million (US$72.5 million) compared to RMB238.3 million a year earlier.
“In the second quarter, loan facilitation volume amounted to RMB37.1 billion, marking a new quarterly record since the Company’s listing,” said Mr. Yan Dinggui, the Company’s Founder, Director, and Chief Executive Officer. “Non-GAAP income from operation totaled RMB737.6 million, demonstrating the resilience and adaptability of our core business model amid macroeconomic uncertainty.”
The contribution from repeat borrowers increased to 75.6% of total loan facilitation, up from 73.4% in Q2 2024, while the company maintained a 90-day+ delinquency ratio of 1.12% as of June 30, 2025.
Looking ahead, Jiayin projects full-year 2025 loan facilitation volume in the range of RMB137.0 billion to RMB142.0 billion. For the third quarter, guidance calls for RMB32.0 billion to RMB34.0 billion in loan volume, with non-GAAP operating income expected between RMB0.49 billion and RMB0.56 billion.
The company’s Board also approved an expansion of its share repurchase program, raising the authorization to US$80 million through June 12, 2026. As of August 20, 2025, Jiayin had already repurchased about 4.6 million ADSs for approximately US$30.4 million.
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