Jiayin Group’s Q4 Volume Drops 12.6% While FY2025 Volume Jumps 28.0%
Jiayin Group’s Q4 loan facilitation volume fell 12.6% to RMB24.2 billion, driving net income down 63.5% to RMB100.6 million as the company prioritized asset quality. In FY2025, loan facilitation volume rose 28.0% to RMB129.0 billion with net income up 45.4% to RMB1.54 billion.
1. Fourth-Quarter Financial Results
In the fourth quarter of 2025, loan facilitation volume declined 12.6% year-on-year to RMB24.2 billion, while average borrowing size rose 26.1% to RMB9,846. Net revenue fell 22.4% to RMB1,090.2 million and net income dropped 63.5% to RMB100.6 million, with the 90-day plus delinquency ratio at 2.03%.
2. Full-Year 2025 Performance
For the full year, Jiayin facilitated RMB129.0 billion in loans, up 28.0%, and revenue increased 7.3% to RMB6,222.2 million. Operating income rose to RMB1,797.3 million (Non-GAAP RMB1,955.3 million), and net income grew 45.4% to RMB1,535.7 million, driven by repeat borrowers contributing 76.0% of volume.
3. Strategic Shift and Outlook
Facing a tighter regulatory framework, management shifted from scale expansion to compliance-first asset quality, deploying AI-driven risk management and expanding overseas. The company plans to maintain disciplined cost control and geographic diversification to support long-term resilience and growth.