JFIN.US (JFIN.US) released the second-quarter report, the amount of cash and equivalent goods increased sharply to 504 million yuan

Zhitong Finance App learned that on the evening of August 28, 2026, Beijing time, JFIN.US (JFIN.US) released its unaudited financial report for the second quarter of 2026. As industry policies continue to be implemented, Jiayin Technology adapts to changes in the environment, accelerates the strategic adjustment of the business structure, and continuously optimizes the customer base and business structure in all aspects such as customer acquisition, risk control, and operation. By the end of the second quarter, the amount of the company's cash and cash equivalents had risen sharply to 504 million yuan, saving strength to overcome the industry cycle and ensure steady future development.

According to financial data, Jiayin Technology's consolidated transaction volume for the second quarter of 2026 was about 9.5 billion yuan, achieved revenue of about 737 million yuan, and achieved the target for early performance guidance. The average loan amount for the second quarter was RMB 6,663, and the proportion of repeated loans reached 73.1%.

In order to cope with the impact of tightening liquidity in the industry, Jiayin Technology actively reduced risk exposure in the second quarter and steadily mitigated stock risks. At the same time, emphasis was placed on improving recycling efficiency, and the 30-day recycling rate increased steadily from month to month. By the end of the second quarter, the overdue rate for 90 days or more was 2.21%, which remained stable from month to month.

Accelerating the upgrading of the role from a loan aid service provider to a technology exporter has always been the transformation goal of Jiayin Technology.

Within the second quarter, the company's self-developed Fuxi platform completed the accumulation of infrastructure, risk control and core skills, covering all major business aspects of the loan cycle. The full chain of credit modeling skills have been implemented on a large scale, reducing the traditional 3 to 5 day modeling optimization cycle to the hourly level. Indicators measuring the accuracy of risk identification, such as model AUC and KS, are significantly superior to manual benchmarks.

Yan Dinggui, chairman of Jiayin Technology, said that now the company is continuing to expand the boundaries of its business model, extending from a simple loan matching platform to a diversified platform focused on compliance-driven, technological empowerment, and ecological collaboration. At the same time, the company continues to deepen its strategic investment in artificial intelligence and overseas business to meet the challenges brought about by transformation. This all highlights Jiayin Technology's determination to create long-term value.