Jiayin Group Inc. (JFIN) said the company expects non-GAAP income from operation for the full year of 2025 to be in the range of RMB 1.99 billion to RMB 2.06 billion. The company expects loan facilitation volume for the full year of 2025 to be in the range of RMB 127.8 billion to RMB 129.8 billion and loan facilitation volume for the fourth quarter to be in the range of RMB 23.0 billion to RMB 25.0 billion. Third quarter net income was RMB 376.5 million, an increase of 39.7% from the same period of 2024. N ...

Core Insights - X Financial is a financial technology company in China providing personal finance services, including loan facilitation and wealth management [1] - The company operates in a competitive landscape with peers such as MOGU Inc., Viomi Technology Co., Ltd, Four Seasons Education (Cayman) Inc., and 111, Inc. [1] Financial Performance Metrics - X Financial has a Return on Invested Capital (ROIC) of -4.08% and a Weighted Average Cost of Capital (WACC) of 107.23%, resulting in a negative ROIC to WACC ratio of -0.038, indicating inefficiency in generating returns [2][6] - MOGU Inc. has a ROIC of -10.23% and a WACC of 3.47%, leading to a ROIC to WACC ratio of -2.95, suggesting similar struggles in generating returns above its cost of capital [3][6] - Viomi Technology Co., Ltd demonstrates strong capital efficiency with a ROIC of 84.77% and a WACC of 4.20%, resulting in a positive ROIC to WACC ratio of 20.20, indicating effective capital utilization [4][6] - Four Seasons Education (Cayman) Inc. and 111, Inc. also face challenges with negative ROIC to WACC ratios of -0.12 and -0.03, respectively, highlighting difficulties in generating sufficient returns on invested capital [5][6]