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 realize dreams by creating value through technology and passion.

• Emphasizes values of service, openness, collaboration, and customer-centric value creation.

Business growth and operational highlights

• Achieved significant growth in loan facilitation volume, reaching RMB129.0 billion in 2025, up from RMB55.5 billion in 2022.

• 1Q26 transaction volume was RMB19.3 billion, a 45.8% YOY decrease, reflecting prudent scale management.

• Revenue from loan facilitation services in 1Q26 was RMB460.1 million, down 68.9% YOY; net loss was RMB61.7 million.

• Tech empowerment business grew to RMB1.52 billion in 1Q26, up 67.6% QOQ.

Technology and risk management

• Proprietary AI-driven risk management system covers the entire loan lifecycle, including fraud detection and credit assessment.

• Launched advanced platforms such as Xingkong knowledge graph and MingCha anti-fraud system to enhance efficiency and compliance.

• AI-powered tools like Dayu, Tianlu, and Fuxi improve data management, R&D, and marketing efficiency.