Jiayin Group Inc. Q3 2025 Earnings Recap

Jiayin Group Inc. reported robust third-quarter results for 2025, achieving a 20.6% year-on-year increase in loan volume and a 50.3% rise in non-GAAP operating income, supported by a favorable economic landscape and advancements in AI technology.

Key Takeaways

• Facilitated RMB 32.2 billion in loan volume, marking a 20.6% increase year-over-year.
• Non-GAAP income from operations reached RMB 190 million, up 50.3% year-on-year, in line with guidance.
• Customer retention strengthened with repeat borrowers contributing 78.6% to facilitation volume; average borrowing amount rose 19.5%.
• Implemented advanced AI capabilities for fraud detection, reducing identification time from a week to two hours, enhancing operational efficiency.
• Indonesian business saw nearly 200% growth in scale year-on-year, expanding the client base significantly.