Jiayin Group (JFIN) Investor presentation summary

Strategic vision and mission

• Focuses on connecting underserved individual borrowers with financial institutional partners using advanced technology and innovation.

• Mission is to create value and realize dreams through technology and passion, empowering both borrowers and institutions.

• Core values emphasize service, technology, openness, collaboration, and customer-centric value creation.

Business growth and operational highlights

• Loan facilitation volume grew from RMB55.5 billion in 2022 to RMB129.0 billion in 2025, with a 55.8% CAGR from 2021 to 2025.

• Net revenue reached RMB6.22 billion in 2025, up 7.3% YoY, and non-GAAP income from operation rose 49.6% YoY to RMB1.96 billion.

• Over 20 million cumulative borrowers by end of 2025, with 3.02 million new borrowers in 2025 and 79 cumulative funding partners.

Technology and risk management

• Proprietary AI-driven platforms enhance borrower acquisition, risk assessment, anti-fraud, and operational efficiency.

• 100% AI-automated approval and processing, with advanced big data analytics and risk control systems.

• Developed knowledge graph and anti-fraud systems, collaborating with credit reporting institutions for compliance and data security.