Jiayin Group Inc. (JFIN) Q3 2025 Earnings Call Transcript
Loan facilitation volume RMB 32.2 billion, representing an increase of 20.6% year-over-year. This growth was driven by rising demand for consumer finance and stable funding supply.
Net revenue RMB 1,470.2 million, representing an increase of 1.8% year-over-year. The slight increase reflects stable business performance.
Facilitation and servicing expense RMB 286.5 million, compared with RMB 419.1 million in the same period of 2024, a significant decrease. This was primarily due to decreased expenses related to financial guarantee services.
Allowance for uncollectible receivables, contract assets, loans receivable and others RMB 1.5 million, representing a decrease of 87.1% year-over-year. This was primarily due to decreased allowance for overseas loans as a result of the disposal of Nigeria entities during 2024 and the growth slowdown of receivables from the loan facilitation business.
Sales and marketing expense RMB 544.2 million, representing a decrease of 1.1% year-over-year. This reflects a cautious strategy in marketing expenditures.
General and administrative expense RMB 72.4 million, representing an increase of 29% year-over-year. This was primarily driven by an increase in share-based compensation.
R&D expense RMB 108.7 million, representing an increase of 13.3% year-over-year. This was primarily driven by an increase in expenditures for employee compensation and related expenses.
Non-GAAP income from operations RMB 490.6 million, compared with RMB 326.5 million in the same period of 2024, an increase of 50.3%. This reflects strong operational performance and cost management.
Net income RMB 376.5 million, representing an increase of 39.7% year-over-year. This was driven by higher operational income and effective cost control.
Basic and diluted net income per share RMB 1.83 compared with RMB 1.27 in the third quarter of 2024, reflecting improved profitability.
Basic and diluted net income per ADS RMB 7.32 compared with RMB 5.08 in the third quarter of 2024, reflecting improved profitability.
Cash and cash equivalents RMB 124.2 million, compared with RMB 316.2 million at the end of the previous quarter, a decrease. This reflects changes in cash management and operational investments.
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- Strategic Development: Prior to his CFO role, Sun served as Head of Capital Markets at KNOREX, overseeing capital markets planning and investor relations, highlighting his crucial role in enhancing the company's financial transparency and operational readiness.
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Martin Zweig's Investment Legacy: Martin Zweig's stock recommendation newsletter achieved an average annual return of 15.9% over 15 years, earning recognition for its risk-adjusted returns and showcasing his successful investment strategies.
Validea's Investment Research: Validea is an investment research service that analyzes stocks based on the strategies of renowned investors like Zweig, offering insights and model portfolios aimed at long-term market outperformance.
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Crypto-Linked Stocks Performance: Shares of crypto-related companies, including CleanSpark Inc, fell significantly in pre-market trading as Bitcoin's value dropped below $86,000.
Notable Stock Declines: Several stocks experienced sharp declines in pre-market trading, including Columbus Circle Capital I Corp (-19.2%) and Vaxcyte Inc (-11.6%).
General Market Sentiment: The overall market sentiment appears negative, with multiple stocks in the tech and crypto sectors showing substantial losses following the decline in Bitcoin prices.
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Market Overview: The pre-market trading session showed a mix of gains and losses across various stocks, with some companies like New Fortress Energy Inc. and Canadian Solar Inc. also reporting notable increases.
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Nutanix Financial Results: Nutanix Inc. shares fell 16.8% in pre-market trading after reporting disappointing first-quarter earnings of 21 cents per share, missing the analyst estimate of 41 cents, and cutting its FY26 sales guidance.
Other Stocks Declining: Several other stocks also saw declines in pre-market trading, including Jiayin Group Inc. (-7.8%), Zscaler Inc. (-7.2%), and Workday Inc. (-6.3%), following their respective financial results.
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