Jiayin Group Inc. is a Chinese financial technology company specializing in online consumer lending within the People's Republic of China. It operates ...
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Est. EPS $1.16 · Revenue $362.43M · 1 analysts
Est. EPS $1.41 · Revenue $383.44M · 1 analysts
Est. EPS $9.94 · Revenue $2.30B · 1 analysts
Est. EPS $2.25 · Revenue $615.80M · 1 analysts
EPS ¥-1.16 · Revenue ¥752.10M
EPS ¥4.16 · Revenue ¥865.58M
EPS ¥7.36 · Revenue ¥1.47B
EPS ¥9.84 · Revenue ¥1.89B
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $865.6M | -85.1% | -30.0% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $213.6M | -79.8% | -161.8% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +77.9% | +19.9% | -19.6% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +28.9% | +34.3% | -206.7% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +24.7% | +35.5% | -188.3% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $622.3M | -9.3% | — |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +71.9% | +507.6% | — |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 15.8% | +857.1% | +0.5% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 1.88x | -12.7% | +1210.9% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $8.8B | +61.9% | -2.7% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 4.16 vs 10.24 | -59.4% | -1.16 vs 1.17 | -198.7% |
| Revenue Surprise | $865.6M vs $2.4B | -63.4% | $752.1M vs $367.5M | +104.7% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Jul 1, 2026 | Lu Xiaojing | director | Class A ordinary shares | — | 0 | — |
| Jun 23, 2026 | Wang Zhe (Maik) | officer: Group head of Technology | Class A ordinary shares | A | 160,000 | — |
| Jun 23, 2026 | Xu Yifang | director | Class A ordinary shares | A | 1,000,000 | — |
| Jun 23, 2026 | Fan Chunlin | officer: Chief financial officer | Class A ordinary shares | A | 240,000 | — |
| Jun 1, 2026 | Qi Dan | — | — | — | 0 | — |
Operator Good day, ladies and gentlemen. Thank you for standing by. Welcome to the Jiayin Group's First Quarter 2026 Earnings Conference Call. Currently, all participants are in listen-only mode. Later, we will conduct a question-and-answer session. Instructions will follow up today's call. If you have any objections, you may disconnect at this time. I will now turn the call over to Mr. Sam Lee from Investor Relations of Jiayin Group. Please proceed. Sam Lee Thank you, operator. Hello, everyone. Thank you all for joining us on today's conference call to discuss Jiayin Group's financial results for the first quarter of 2026. We released our earnings results earlier today. The press release is available on the company's website, as well as from Newswire Services. On the call with me today are Mr. Yan Dinggui, Mr. Fan Chunlin, and Ms. Qi Dan. Before we continue, please note that today's discussion will contain forward-looking statements made under the Safe Harbor Provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements involve inherent risks and uncertainties. As such, the company's actual results may be materially different from the expectations expressed today. Further information regarding these and other risks and uncertainties is included in the company's public filings with the SEC. The company does not assume any obligation to update any forward-looking statement, except as required under applicable law. This call includes discussion of certain non-GAAP financial measures. Please refer to our earnings release, which contains a reconciliation of the non-GAAP financial measures to GAAP financial measures. Please note that unless otherwise stated, all figures mentioned during the conference call are in Chinese or Renminbi. With that, let me now turn the call over to Mr. Yan Dinggui. Mr. Yan will deliver his remarks in Chinese. I will follow up with corresponding English translations. Please go ahead, Mr. Yan. Dinggui Yan [Non-English content] Sam Lee Hello, everyone. Thank you for joining our first quarter 2026 earnings conference call. Dinggui Yan [Non-English content] Sam Lee During the first quarter of 2026, the consumer lending industry remained in an adjustment phase. The recovery in credit demand continued at a relatively gradual pace. The industry as a whole remained under pressure. Against this backdrop, we focused on refining the operations of our high-quality existing borrower base and the structural enhancement of our business model. During the quarter, we achieved a transaction volume of RMB 19.3 billion, representing a year-over-year decrease of 45.8%. Revenue was impacted by industry cyclicality and volume contraction, while temporary cost pressures persisted during the period. As a result, we recorded a net loss of approximately RMB 61.7 million for the quarter. Dinggui Yan [Non-English content] Sam Lee This quarter, we concentrated on the refined management and …
| Name | Title | Gender | Year Born | Status |
|---|---|---|---|---|
Chunlin Fan | Chief Financial Officer | Male | 1976 | Active |
Zhe Wang | Group Head of Technology & Product | Male | 1983 | Active |
Bei Bai | Senior Financial Controller & IR Director | Female | 1984 | Active |
Dan Qi | Chief Risk Officer | Female | — | Active |
Jin Chen | Senior Investment & Finance Director | Female | 1988 | Active |
Dinggui Yan | Founder, Chairman & Chief Executive Officer | Male | 1968 | Active |
Libin Wang | Vice President of Finance & Director | Male | 1987 | Active |
Jiayin Group (NASDAQ: JFIN - Get Free Report) and LendingClub (NYSE: LC - Get Free Report) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, earnings, valuation, institutional ownership, dividends, analyst recommendations and risk. Earnings and Valuation This table compares Jiayin Group and
Jiayin Group Inc. (JFIN) Q2 2026 Earnings Call Transcript
Jiayin Group NASDAQ: JFIN reported sharply lower second-quarter results as tighter industry liquidity and its own business restructuring reduced transaction volume, while the company expanded overseas operations and continued investing in technology and artificial intelligence capabilities.
SHANGHAI, Aug. 28, 2026 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced its unaudited financial results for the second quarter ended June 30, 2026.
SHANGHAI, China, Aug. 21, 2026 (GLOBE NEWSWIRE) -- Jiayin Group Inc. ("Jiayin" or the "Company") (NASDAQ: JFIN), a leading fintech platform in China, today announced that it will release its unaudited financial results for the second quarter of 2026 before the U.S. market opens on Friday, August 28, 2026. The Company will conduct a conference call to discuss its financial results on Friday, August 28, 2026 at 8:00 AM U.S. Eastern Time (8:00 PM Beijing/Hong Kong Time on the same day).
