Jiayin Group Inc (NAS:JFIN)

Q1 2026 Jiayin Group Inc Earnings Call Transcript

Jun 23, 2026 / 12:00PM GMT

Release Date Price: $2.85 (-28.39%)

Transcript

Key Points

Positve

Jiayin Group Inc (JFIN) achieved a transaction volume of RMB19.3 billion, despite a challenging market environment.
Repeat borrowing accounted for 76.3% of transaction volume, indicating strong engagement with existing borrowers.
The technology empowerment business saw a sequential increase of approximately 67.6% in transaction volume, highlighting successful expansion efforts.
The company launched a fully-digitalized Version 3.0 system for auto-backed loans, maintaining strong growth momentum.
International business showed significant growth, with loan volumes in Indonesia increasing by 20% quarter-over-quarter and more than doubling year-over-year.

Negative

Jiayin Group Inc (JFIN) reported a net loss of approximately RMB61.7 million for the first quarter.
Transaction volume decreased by 45.8% year-over-year, reflecting industry pressures and reduced credit demand.
Net revenue decreased by 57.4% from the same period of 2025, indicating significant revenue challenges.
The 90-plus-day delinquency ratio increased to 2.25%, suggesting rising credit risk.
Sales and marketing expenses decreased by 49.6%, primarily due to decreased borrower acquisition expenses, which may impact future growth.

Operator

Good day, ladies and gentlemen. Thank you for standing by, and welcome to the Jiayin Group's first-quarter 2026 earnings conference call. (Operator Instructions)

I will now turn the call over to Mr. Sam Lee from Investor Relations of Jiayin Group. Please proceed.

Sam Lee

Jiayin Group Inc - Investor Relations

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 Dinghui, Chief Executive Officer; Mr. Fan Chun Lin, Chief Financial Officer; and Ms. Qi Dan, Chief Risk Officer.

Before we continue, please note that today's discussion will contain forward-looking statements made under the safe harbor provisions of the US Private Securities Litigation Reform Act of 1995. Forward-looking statements involve inherent risks and uncertainties. As such, the

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