Jiayin Group (JFIN) investor relations material

Executive summary

• Transaction volume reached CNY 9.5 billion, down 74.4% year-over-year, reflecting industry contraction and strategic business adjustments.

• Net loss for the quarter was CNY 183.6 million, compared to net income of CNY 519.1 million in the same period last year.

• Strategic focus shifted from scale-driven growth to risk mitigation, high-quality borrowers, efficiency, compliance, technology, and international expansion amid regulatory tightening.

• Continued investment in AI and overseas business to support long-term transformation.

Financial highlights

• Net revenue was CNY 736.9 million, a decrease of 60.9% year-over-year.

• Loss from operations was CNY 246.7 million, compared to CNY 639.1 million income from operations in the prior year.

• Facilitation and servicing expense rose 92.7% to CNY 549.3 million due to increased guarantee services.

• Allowance for uncollectible receivables increased to CNY 51.3 million from CNY 32.5 million year-over-year.

• Cash and cash equivalents rose to CNY 504 million as of June 30, 2026, from CNY 43.4 million sequentially.

Outlook and guidance

• No guidance issued for the third quarter due to macroeconomic uncertainty and strategic priorities.

• Management is focused on strategic transformation to drive long-term value amid evolving industry dynamics.

• Dividend suspended for the fiscal year to prioritize business transformation and risk mitigation.