Jiayin Group Inc. (NASDAQ: JFIN) released its unaudited financial report for the second quarter of 2026 on the evening of August 28, 2026, Beijing time. Amid the continued rollout of industry policies, the company has adapted to the shifting landscape by accelerating strategic adjustments to its business structure, optimizing customer segments and operational frameworks across customer acquisition, risk control, and day-to-day operations. By the end of the second quarter, cash and cash equivalents climbed significantly to 504 million yuan, building a solid buffer to navigate industry cycles and secure stable growth ahead.

According to the financial data, Jiayin Group Inc. facilitated approximately 9.5 billion yuan in transaction volume during Q2 2026, generating roughly 737 million yuan in revenue, which met the previously guided performance targets. The average loan amount per transaction stood at 6,663 yuan, while the repeat borrowing rate reached 73.1%. In response to tightening liquidity across the sector, the company proactively narrowed its risk exposure during the quarter and steadily worked to ease existing risk concentrations. At the same time, it focused on improving collection efficiency, with the 30-day recovery rate showing steady sequential gains. As of the end of Q2, the delinquency rate for loans overdue beyond 90 days was 2.21%, holding stable quarter-over-quarter.

Accelerating the transition from a loan facilitation provider to a technology solutions exporter has been a long-standing goal for Jiayin Group Inc. During the quarter, the company's proprietary Fu Xi platform completed the buildout of its infrastructure layer, risk control layer, and core Skill frameworks, covering all key operational stages across the loan lifecycle. The full-chain Skill for credit modeling has been deployed at scale, compressing the traditional 3-to-5 day modeling optimization cycle down to just hours, while model metrics such as AUC and KS, which gauge risk identification accuracy, have consistently outperformed manual benchmarks.

Yan Dinggui, Chairman of Jiayin Group Inc., noted that the company is now broadening its business model scope, evolving from a pure loan matching platform into a diversified hub centered on compliance-driven operations, technology empowerment, and ecosystem collaboration. Meanwhile, the firm continues to deepen strategic investments in artificial intelligence and overseas ventures to tackle the challenges of transformation. These efforts underscore the company's commitment to generating long-term shareholder value.