Jiayin Group(US:JFIN) Zhi Tong Cai Jing·2025-08-20 11:00Core Insights - JIAYIN Technology (JFIN.US) reported Q2 financial results for the period ending June 30, 2025, with net revenue of RMB 1.8862 billion (USD 263.3 million), representing a year-over-year growth of 27.8% [1] - The revenue from loan facilitation services reached RMB 1.6094 billion (USD 224.7 million), marking a significant increase of 69.2% year-over-year, primarily due to an increase in transaction volume facilitated by the company [1] - The company experienced a decline in guarantee service revenue, which was RMB 126.4 million (USD 17.6 million), down from RMB 424.8 million in the same period last year, attributed to a decrease in the average outstanding loan balance for guaranteed services [1] Financial Performance - Operating income for the company was RMB 639.1 million (USD 89.2 million), reflecting a substantial year-over-year increase of 181.4% [1] - Non-GAAP operating profit was RMB 737.6 million (USD 103 million), compared to RMB 261.6 million in the same quarter of 2024 [2] - Net profit reached RMB 519.1 million (USD 72.5 million), a remarkable growth of 117.8% compared to RMB 238.3 million in the previous year [2] Future Outlook - The company projects that the total loan facilitation amount for the full year of 2025 will be between RMB 137 billion and RMB 142 billion [2] - For Q3 2025, the expected loan facilitation amount is estimated to be between RMB 32 billion and RMB 34 billion [2] - The forecast for Q3 2025 non-GAAP operating profit is anticipated to be between RMB 490 million and RMB 560 million, reflecting the company's current and preliminary views on market and operational conditions [2]