JFIN Jiayin Group (JFIN) Q2 FY26 earnings call
Jiayin Group navigated a challenging Q2 FY26 marked by industry-wide contraction and liquidity tightening, leading to a significant decrease in transaction volume and net revenue, and a net loss. The company proactively adapted by strategically adjusting its business structure, focusing on risk mitigation, and accelerating international expansion and technology upgrades. Despite suspending guidance and dividends, the firm strengthened its financial buffer and made substantial progress in AI-driven risk management and anti-fraud efforts, positioning itself for future development.
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JFIN operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | This call 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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