JFIN Earnings Prediction
The chart below shows how JFIN performed 10 days before and after its earnings report, based on data from the past quarters. Typically, JFIN sees a -10.04% change in stock price 10 days leading up to the earnings, and a -7.65% change 10 days following the report. On the earnings day itself, the stock moves by +2.72%. This data can give you a slight idea of what to expect for the next quarter's release.
JFIN Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
1.07B
39.55%
3.84%
Gross Margin
--
--
--
Operating Margin
36.86%
21.29%
21.25%
Net Margin
25.87%
-46.28%
-1.56%
EPS
1.30
-24.42%
2.36%
No Data Available
JFIN Earnings Analysis
Jiayin Group Inc Corporation (JFIN.O) Earnings Conference Call
Positive
Loan Facilitation Growth: In Q4 2024, Jiayin Group facilitated loan transactions totaling RMB27.7 billion, a 37.8% year-over-year increase, with loan facilitation service revenue reaching RMB1.1 billion, up 46.3% year-over-year.
New Borrower Growth: The company added 2.774 million new borrowers in 2024, representing a year-over-year growth of 45.1%.
Retention Rate Improvement: The annual retention rate increased by approximately 7%, with a focus on improving retention for potential churn users, achieving nearly 75% retention.
Institutional Partnership Expansion: Jiayin maintained in-depth cooperative relationships with 73 financial institutions, expanding its network of institutional partnerships.
Loan Delinquency Rate Improvement: The delinquency rate for loans overdue from 61 to 90 days dropped to 0.53%, showing significant improvement compared to the previous year.
Fraud Prevention Success: The company intercepted over 540,000 high-risk fraud applications and blocked 468,000 malicious attacks, demonstrating effective risk control measures.
Customer Service Accuracy Improvement: The NUA agent assistant system achieved a 90% accuracy rate in customer service tech reminders, improving operational efficiency.
Overseas Loan Volume Surge: In Q4 2024, Jiayin's overseas business partners in Indonesia saw a 74% year-over-year increase in loan volume, with registered users growing by 131%.
Dividend Distribution and Growth: The company distributed a total dividend of US$0.5 per ADS in 2024, totaling US$26.6 million, and plans to increase shareholder returns in 2025 to approximately 30% of the previous fiscal year’s net profit after tax.
Loan Facilitation Growth Target: Looking ahead, Jiayin set a loan facilitation volume target range of RMB137 billion to RMB142 billion for 2025, indicating strong growth expectations.
Negative
Revenue Decline Analysis: Net revenue decreased by 12.2% year-over-year, indicating a decline in overall financial performance despite an increase in loan facilitation services revenue.
Net Income Decline: The company's net income for Q4 2024 was RMB275.5 million, a decrease of 25.1% compared to the same period in 2023, primarily due to a higher base from a one-off non-operational income in the previous year.
Net Income Per Share Decline: Basic and diluted net income per share fell to RMB1.3 from RMB1.72 in Q4 2023, reflecting a decline in profitability.
Cash Decrease and Liquidity Concerns: Cash and cash equivalents decreased significantly to RMB514.5 million from RMB741.2 million at the end of the previous quarter, indicating potential liquidity concerns.
Rising Marketing Costs: Sales and marketing expenses increased by 57% year-over-year, suggesting rising costs in borrower acquisition that may impact future profitability.
JFIN FAQs
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JFIN Earning Call Sentiment
Jiayin Group Inc. (JFIN) Q4 2024 Earnings Call Transcript
JFIN.O
-2.17%Positive
The earnings call presents mixed signals: strong growth in loan facilitation services and a positive future dividend plan contrast with a decline in net income and unclear guidance on revenue slowdown. The Q&A section reveals strategic focus on quality growth and technology investment, but lacks clarity on long-term trends. The market may react neutrally due to these offsetting factors.
