Jiayin Group Inc. (JFIN) Earnings Call Transcripts

Jiayin Group Inc.'s Latest Earnings Call - Q1 FY2026

In the first quarter of 2026, Jiayin Group Inc. (JFIN:US) reported a significant decline in both revenue and transaction volume, with revenue falling to RMB 756.7 million, a 57.4% decrease year-over-year. The company recorded a net loss of RMB 61.7 million, marking a stark contrast to the net income of RMB 539.5 million in the same quarter last year. Management indicated that the consumer lending industry remains under pressure, but they are optimistic about future growth driven by strategic initiatives and improved risk management practices, despite maintaining a cautious outlook due to macroeconomic uncertainties.

Reported metrics

Guidance from management

Management expects transaction volume for Q2 2026 to be between RMB 9.5 billion and RMB 10.5 billion, indicating a cautious approach amid ongoing market pressures.

What management said

[Interpreted] The 90-plus day delinquency ratio was 2.25% as of the end of the first quarter, increasing sequentially. For higher-risk borrower segments, we continue to tighten underwriting criteria and credit limit controls to facilitate an orderly runoff of portfolio risk exposure. For high-quality borrowers, we further analyze borrower needs and work closely with our operations team to refine borrower management a...

[Interpreted] Turning to shareholder returns. We have extended our current share repurchase program through June 12, 2027, with approximately USD 49.6 million remaining available under the program. We will continue to evaluate market conditions and our operational performance and comprehensively evaluate and implement various shareholder return initiatives.

What analysts pressed on

Analysts expressed concerns regarding the company's ability to return to profitability given the significant net loss and ongoing industry challenges. Questions were raised about the effectiveness of operational adjustments and the potential impact of regulatory changes on future performance.

Main topics on the call

• Revenue Decline — Jiayin reported a net revenue of RMB 756.7 million, down 57.4% year-over-year due to industry cyclicality and a significant decrease in transaction volume, which fell 45.8% to RMB 19.3 billion. Management noted, "the rec...
• Operational Adjustments — Management emphasized a focus on refining operations and enhancing borrower engagement strategies, which resulted in repeat borrowing contributing 76.3% of transaction volume. They stated, "These highly engaged users not...
• Risk Management Improvements — The company reported a decrease in credit risk metrics, with the 90-plus day delinquency ratio at 2.25%. Yifang Xu, Chief Risk Officer, noted, "the risk levels have really fallen by approximately 25% to 30% from their pe...
• Technology Empowerment Growth — Jiayin's technology empowerment business saw transaction volume increase by 67.6% sequentially, reaching RMB 1.52 billion. Management expressed optimism about this model, stating, "We remain optimistic about the long-ter...

Read the full Jiayin Group Inc. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 25 Jiayin Group Inc. earnings call transcripts on record, spanning April 1, 2020 to June 23, 2026. Based on this history, Jiayin Group Inc. reports quarterly. The most recent call on file is dated June 23, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

JFIN

Exchange

NasdaqGM

Country

US

Sector

Financials

Industry

Consumer Finance

Calls on record

25

First call

April 1, 2020

Most recent

June 23, 2026

Reporting cadence

quarterly