JFIN Jiayin Group (JFIN) Q1 FY26 earnings call
Jiayin Group navigated Q1 FY26 amidst an industry adjustment phase and regulatory pressures, resulting in a net loss of RMB 61.7 million due to reduced loan volume outpacing cost reductions. Management is strategically focusing on refining operations for high-quality existing borrowers, expanding technology empowerment services, and diversifying its product portfolio, alongside international growth. Significant investments in AI are enhancing risk management, operational efficiency, and anti-fraud capabilities, with cost control measures implemented in Q2 to improve future cash flow.
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JFIN operating KPIs by quarter
| KPI | This call Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Change vs prior quarter |
|---|---|---|---|
| Transaction volume | 19.3B CNYDuring the quarter, we achieved transaction volume of RMB 19.3 billion, representing a year-over-year decrease of 45.8%.Source: earnings call transcript | 9.5B CNYDuring the quarter, the company achieved transaction volume of RMB 9.5 billion, representing a year-over-year decrease of approximately 74.4%, driven by both the industry-wide contraction and our strategic adjustment, we recorded a net loss of approximately RMB 180 million for the quarter.Source: earnings call transcript | -50.8% |
| 90-plus day delinquency ratio | 2.25%[Interpreted] The 90-plus day delinquency ratio was 2.25% as of the end of the first quarter, increasing sequentially.Source: earnings call transcript | 2.21%As of the end of the second quarter, the 90-plus day delinquency rate stood at 2.21%, remaining stable on a sequential basis.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
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