Jiayin Group Inc. (NASDAQ:JFIN) Q1 2022 Results Earnings Conference Call June 8, 2022 8:00 AM ET Company Participants Shawn Zhang - Investor Relations Dinggui Yan - Chief Executive Officer Chun Lin Fan - Chief Financial Officer Xu Yifang - Chief Risk Officer Conference Call Participants Andrew Scott - ROTH Capital Partners Operator Good day, ladies and gentlemen. Thank you for standing by. And welcome to the Jiayin Group's First Quarter 2022 Earnings Conference Call. Currently, all participants are in a lis ...

Jiayin Group Inc. (NASDAQ:JFIN) Q4 2021 Results Earnings Conference Call March 31, 2022 8:00 AM ET Company Participants Shawn Zhang - Investor Relations Dinggui Yan - Chief Executive Officer Jin Chen - Co-Chief Financial Officer Xu Yifang - Chief Risk Officer Conference Call Participants Andrew Scott - ROTH Capital Operator Good day, ladies and gentlemen, thank you for standing by. And welcome to the Jiayin Group's Fourth Quarter 2021 Earnings Conference Call. Currently all participants are in a listen-only ...

Financial Data and Key Metrics Changes - The total loan origination volume reached 6.7 billion RMB, representing a year-over-year increase of 100.2% and a sequential increase of 17.7% [10] - Net income was 124.8 million RMB, a 41.2% increase compared to 88.4 million RMB in the same period last year [10] - Net revenue was 577.1 million RMB, up 43.8% year-over-year, driven by significant growth in loan origination volumes [11] - Total operating costs and expenses increased by 68.4% year-over-year, reaching 423.2 million RMB, with operating costs as a percentage of revenue at 73.3% compared to 62.6% in the same period last year [12] Business Line Data and Key Metrics Changes - The company resumed its marketing program, focusing on acquiring higher credit quality customers, resulting in a repeat borrowing rate of 69.1% for the quarter [6][7] - Other revenue decreased to 40.3 million RMB, down 47.7%, primarily due to reduced revenue from P2P related services [11] Market Data and Key Metrics Changes - The company has expanded its funding partners to 36, with an additional 42 institutions in discussion, indicating a strong growth trajectory in the consumer market [5][6] - The company is focusing on small business owners, which are seen as a backbone of economic development, and is gradually rolling out loan programs for this segment [6] Company Strategy and Development Direction - The company aims to diversify its funding resources and broaden collaborations with institutional partners to capture opportunities in the growing consumer market [5] - There is a strong emphasis on corporate social responsibility (CSR), with initiatives aimed at improving educational environments for children in need [8] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining top-line growth and capturing opportunities in the consumer market despite a cautious approach to new offerings [5][6] - The company has adjusted its full-year 2021 loan origination volume guidance to between 20 billion RMB to 23 billion RMB, representing a year-over-year growth of 72% to 98% [16] Other Important Information - The company ended the quarter with 178.5 million RMB in cash and cash equivalents, compared to 141.4 million RMB as of June 30, 2021, providing greater flexibility for long-term growth initiatives [15] Q&A Session Summary Question: Can you discuss the success seen in the new online advertising? - Management noted a 36% increase in sales and marketing expenses, with half attributed to marketing fees and the other half driven by new marketing initiatives, leading to improved cost efficiency for acquiring new borrowers [18][19] Question: Can you provide details on the new products for small businesses? - The focus is on micro to small businesses, with loan sizes expected to be 20% to 30% higher than current offerings, utilizing online acquisition channels for customer evaluation [21][22] Question: What updates are there on international expansion? - The company is making solid progress in international markets, particularly in Mexico and Nigeria, while still working on solidifying its position in Indonesia [26] Question: What is the outlook for credit costs and customer credit quality? - The drop in credit costs is attributed to improved credit quality, with most uncollectible allowances related to previous business models now being phased out [30][31] Question: How is the integration of Bweenet progressing? - Due to regulatory challenges in China, operations in this segment have been halted, but the company is exploring opportunities overseas and monitoring regulatory changes [33]

Jiayin Group Inc. (NASDAQ:JFIN) Q2 2021 Earnings Conference Call August 25, 2021 8:00 AM ET Company Participants Susie Wang - Investor Relations Yan Dinggui - Chief Executive Officer Xu Yifang - Chief Risk Officer Shelley Bai - Co-Chief Financial Officer Delia Chen - Co-Chief Financial Officer Conference Call Participants Craig Irwin - ROTH Capital Partners Operator Good day, ladies and gentlemen. Thank you for standing by and welcome to the Jiayin Group Second Quarter of 2021 Earnings Conference Call. [Ope ...

Jiayin Group Inc. (NASDAQ:JFIN) Q1 2021 Results Earnings Conference Call June 7, 2021 8:00 AM ET Company Participants Julia Qian - MD, The Blueshirt Group Asia, IR Dinggui Yan - Founder & CEO Shelley Bai - Co-CFO Julia Chen - Co-CFO Xu Yifang - Chief Risk Officer Conference Call Participants Andrew Scutt - ROTH Capital Operator Good day, ladies and gentlemen. Thank you for standing by, and welcome to the Jiayin Group's First Quarter of 2021 Earnings Conference Call. Currently, all participants are in a list ...

Jiayin Group Inc. (NASDAQ:JFIN) Q4 2020 Earnings Conference Call April 9, 2021 8:00 AM ET Company Participants Julia Qian - MD, The Blueshirt Group Asia, IR Dinggui Yan - Founder, Director and CEO Jin Chen - Co-CFO Xu Yifang - Director and Chief Risk Officer Conference Call Participants Andrew Scutt - ROTH Capital Partners Operator Good day, ladies and gentlemen. Thank you for standing by, and welcome to Jiayin Group Fourth Quarter and Full-Year of 2020 Earnings Conference Call. Currently, all participants ...

Jiayin Group Inc. (NASDAQ:JFIN) Q3 2020 Earnings Conference Call November 30, 2020 8:00 AM ET Company Participants Julia Qian - Investor Relations, The Blueshirt Group Asia Dinggui Yan - Founder, Director and Chief executive officer Shelley Bai - Director, Investor Relations Chunlin Fan - Chief Financial Officer Xu Yifang - Director and Chief Risk Officer Conference Call Participants Andrew Scutt - ROTH Capital Partners Operator Good day, ladies and gentlemen. Thank you for standing by and welcome to the Ji ...