Jiayin (JFIN) Q2 2026 Earnings Call Transcript

Jiayin Group reported significant challenges in Q2 2026 with net revenue declining 60.9% year-over-year to RMB 736.9 million and transaction volume plummeting 74.4% to RMB 9.5 billion, driven by industry-wide contraction and regulatory pressures. The company posted a net loss of RMB 183.6 million compared to prior-year net income of RMB 519.1 million. However, management is executing a strategic pivot toward becoming a technology service provider, leveraging AI-driven operational improvements and expanding international operations in Southeast Asia, while maintaining a stable 2.21% delinquency rate.