Focusing on Q3 2025 U.S. Stock Earnings Reports On the evening of November 25, 2025 (Beijing Time), Jiayin Group Inc. (NASDAQ: JFIN) released its unaudited financial results for the third quarter of 2025. Adhering to a strategy of prudent operations and compliance, the company continued to increase investments in technology R&D and application, providing strong support for building long-term core competitiveness.

In its domestic business, Jiayin Group facilitated loan transaction volumes of RMB 32.2 billion during the quarter, a year-on-year increase of approximately 20.6%. Non-GAAP operating profit reached RMB 490 million, meeting the previously set performance guidance.

Regarding risk management, external factors such as industry contraction and tightening liquidity have pressured overall risk indicators, leading to fluctuations in asset quality. In response, the company rapidly optimized its risk control models by tightening strategies for high-risk users and implementing a hybrid short- and long-term model framework to enhance flexibility and responsiveness. As of the end of Q3, the 90+ day delinquency rate stood at 1.33%.

In customer acquisition, Jiayin Group maintained a cautious strategy, focusing on high-quality client segments through partnerships with leading internet platforms. This approach ensured superior traffic and user quality while refining dynamic credit limit adjustments to boost retention and repeat borrowing.

For instance, repeat borrowers—the cornerstone of business growth—accounted for 78.6% of total transaction volume, driving the average loan size to RMB 9,115, up 19.5% YoY.

2025 marked a strategic deepening phase for Jiayin Group’s AI initiatives. Increased resource allocation and organizational restructuring yielded breakthroughs in AI-driven business enhancements, particularly in multimodal anti-fraud and AI-assisted customer service. Proprietary models reduced costs by over RMB 1 million while establishing a differentiated technological edge, fundamentally upgrading core AI capabilities.

Chairman Yan Dinggui noted that the October rollout of new lending regulations introduced industry-wide challenges. Jiayin Group’s Q4 2025 transaction volume guidance is set at RMB 23–25 billion, with full-year projections of RMB 127.8–129.8 billion. Annual Non-GAAP operating profit is expected to range between RMB 1.99–2.06 billion. Amid a complex and competitive landscape, the company aims to leverage operational excellence for sustained resilience.