Jiayin Group Stays Resilient Amid Regulatory Tightening
Jiayin Group, a leading online consumer finance company in China, has reported strong financial results for its fourth quarter and full year 2025, despite the challenges posed by deepening regulation and standardized development in the industry.
In a recent conference call, Mr. Yan Dinggui, Chief Executive Officer of Jiayin Group, highlighted the company's steady progress, with loan facilitation volume reaching RMB 129 billion for the full year, representing a year-on-year increase of approximately 28%. Revenue reached RMB 6.22 billion, up approximately 7.3% year-on-year, and net income stood at RMB 1.54 billion, a year-on-year increase of approximately 45.4%, demonstrating the company's operational resilience amid a complex environment.
Mr. Yan noted that in the fourth quarter, following the implementation of new regulations, comprehensive financing costs declined alongside higher entry barriers and stricter compliance requirements. In response, Jiayin Group proactively collaborated with its funding partners to facilitate necessary adjustments, maintaining partnerships with 79 financial institutions, with an additional 53 currently in negotiations.
The company has consistently adhered to its operating philosophy of compliance as the foundation, quality and efficiency as priorities. To further enhance channel management and marketing spend efficiency, Jiayin Group implemented cross-functional collaboration to revamp its channel evaluation framework and optimize onboarding standards, ongoing monitoring, and off-boarding processes.
By establishing a more flexible credit limit management system and implementing targeted reactivation strategies for existing borrowers, the company effectively unlocked the repeat borrowing potential among quality borrowers. Repeat borrowing contribution accounted for 79.4% of loan facilitation volume, an increase of 6.7 percentage points compared to the same period last year.
Mr. Yan also emphasized that since the fourth quarter, risk indicators have remained under pressure, and the company has been advancing a phased, deep restructuring of its risk control strategy, which includes multiple rounds of tightening entry criteria, optimizing credit limits, and iterating on product offerings.
The conference call highlighted Jiayin Group's commitment to adapting to changing regulatory environments while maintaining its focus on quality and efficiency. As the company looks forward to 2026, it aims to further strengthen its risk control strategy and improve operational efficiency, positioning itself for continued growth in a rapidly evolving market.
