Jiayin Group Inc. (JFIN) SEC Filings & Earnings Calls
EquiReason read 9 Jiayin Group Inc. SEC filings in the last 12 months. Latest: 6-K on 2026-08-28 — Jiayin Group Q2 2026: net revenue down 60.9% YoY, net loss of RMB183.6M vs net income of RMB519.1M in prior year; transaction volume down 74.4% YoY; company cites business scale co.
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 67.8M
- P/E TTM
- —
- Dividend yield
- —
- 52-week
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- Next earnings
- 23 Nov, in 30 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
28 Aug 20266-KJiayin Group Q2 2026: net revenue down 60.9% YoY, net loss of RMB183.6M vs net income of RMB519.1M in prior year; transaction volume down 74.4% YoY; company cites business scale contraction and strategic shift.earningsopen
Figures in the filing · each found in the filing text
| Repeat borrowing contribution · Q2-2026 | 73.1% | |
| 90 day+ delinquency ratio · 2026-06-30 | 2.2% |
Risks flagged
Severe revenue decline and operating loss indicate business contraction risk
“Net revenue down 60.9% YoY; loss from operations of RMB246.7M vs income of RMB639.1M prior year.”
High delinquency ratio may signal credit quality deterioration
“90 day+ delinquency ratio of 2.21% as of June 30, 2026.”
Increased facilitation and servicing expense despite lower volume suggests cost structure issues
“Facilitation and servicing expense up 92.7% YoY to RMB549.3M.”
23 Jul 20266-KResignation of director Xiaojing Lu and chief risk officer Dan Qi, both without disagreement with the company. Vacancies not immediately filled.open
Risks flagged
Leadership vacuum in risk management and board governance due to simultaneous resignations without immediate replacements.
“Both director and CRO resigned effective same date; vacancies not immediately filled.”
23 Jun 20266-KQ1 2026 net loss of RMB61.7M vs net income of RMB539.5M a year ago; revenue down 57.4%; transaction volume down 45.8%; guidance for Q2 volume of RMB9.5-10.5B implies further decline.earningsopen
Figures in the filing · each found in the filing text
| 90 day+ delinquency ratio · Chinese Mainland · 2026-03-31 | 2.3% | |
| Repeat borrowing contribution · Chinese Mainland · Q1-2026 | 76.3% |
Guidance
Q2 2026 transaction volume guidance of RMB9.5-10.5B vs Q1 2026 actual of RMB19.3B implies sequential decline of 45-51%.
Guidance for Q2 2026 transaction volume of RMB9.5-10.5B represents a significant sequential decline from Q1 2026's RMB19.3B, indicating continued demand deterioration.
Risks flagged
Sharp revenue and volume decline, operating loss, and deteriorating cash position indicate severe business stress.
“Revenue down 57.4%, operating loss of RMB70.1M, cash down 30% from Dec 2025.”
Regulatory and macroeconomic headwinds in China's fintech sector continue to pressure operations.
“CEO cites 'evolving regulatory and macroeconomic landscape' as reason for disciplined recalibration.”
28 Apr 202620-FAnnual report shows 28% loan volume growth and improved credit mix; no explicit beat/miss vs expectations.earningsopen
Figures in the filing · each found in the filing text
| Loan Facilitation Volume · FY2025 | $129.05B | +28% y/y |
| Loan Facilitation Volume (2024) · FY2024 | $100.85B |
Risks flagged
PRC Interest Rate Cap Risk
“the sum of the annualized interest that lenders charge and fees we and the VIE Group and our and the VIE Group’s business partners charge exceed four times the one-year Loan Prime Rate at the time of the establishment of the agreement, the borrower may refuse to pay the portion that exceeds the limit” · word for word
Credit Cycle Risk
“If economic conditions deteriorate, we and the VIE Group may face increased risk of default or delinquency of borrowers, which will result in lower returns or even losses.” · word for word
Model Risk
“If our and the VIE Group’s credit assessment model is flawed or ineffective, or if we and the VIE Group otherwise fail or are perceived to fail to manage the default risks of loans facilitated through our and the VIE Group’s platform, our and the VIE Group’s reputation and market share would be materially and adversely affected” · word for word
31 Mar 20266-KQ4 2025 net income down 63.5% YoY to RMB100.6M; revenue down 22.4%; loan facilitation volume down 12.6%; full year 2025 revenue up 7.3% but net income up 45.4%.earningsopen
Figures in the filing · each found in the filing text
| 90 day+ delinquency ratio · Chinese Mainland · 2025-12-31 | 2.0% | |
| Repeat borrowing contribution · Chinese Mainland · Q4-2025 | 79.4% |
Risks flagged
Q4 performance significantly deteriorated due to regulatory transition and proactive tightening; full year growth masks Q4 weakness.
“Q4 revenue down 22.4%, net income down 63.5%, loan volume down 12.6%.”
Regulatory framework implementation causing sector-wide liquidity tightening and increased risk levels.
“CEO cites 'formal implementation of new regulatory framework' leading to 'sector-wide liquidity tightening and increased volatility in overall risk levels'.”
25 Nov 20256-KQ3 2025 net income up 39.7% YoY to RMB376.5M; revenue up 1.8%; loan facilitation volume up 20.6%; guidance for FY2025 volume of RMB127.8-129.8B and non-GAAP operating income of RMB1.99-2.06B.earningsopen
Figures in the filing · each found in the filing text
| 90 day+ delinquency ratio · Chinese Mainland · 2025-09-30 | 1.3% | |
| Repeat borrowing contribution · Chinese Mainland · Q3-2025 | 78.6% |
Guidance
FY2025 loan facilitation volume guidance of RMB127.8-129.8B and non-GAAP operating income of RMB1.99-2.06B.
Guidance for FY2025 implies continued volume growth and margin expansion, consistent with Q3 performance.
Risks flagged
Cash position declined significantly from RMB316.2M to RMB124.2M sequentially, indicating potential liquidity pressure.
“Cash and cash equivalents down 60.7% from June 30, 2025 to September 30, 2025.”
12 Nov 20256-KJiayin subsidiary Jirongzhicheng entered into a RMB600M loan facility agreement with financial institutions, secured by commercial property and guarantees, at 3.5% interest rate, maturing in 2032.open
Risks flagged
Debt is secured by commercial property and parent guarantees, increasing balance sheet encumbrance.
“Mortgage of commercial property and pledge of equity interest as collateral.”
Jiayin Group Inc. — questions
- What did Jiayin Group Inc. file recently?
- 9 SEC filings in the last 12 months. Latest: 6-K on 2026-08-28 — Jiayin Group Q2 2026: net revenue down 60.9% YoY, net loss of RMB183.6M vs net income of RMB519.1M in prior year; transaction volume down 74.4% YoY; company cites business scale contraction and strategic shift.
Every figure on this page comes from Jiayin Group Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.