Jiayin Group Inc. (NASDAQ: JFIN) released its unaudited financial results for the first quarter of 2026 on the evening of June 23, 2026, Beijing Time.
Amidst significant shifts in the industry and market landscape, the company maintained its commitment to compliance, strategically pivoting its operational focus from scale expansion to in-depth cultivation.
This strategy centers on serving high-quality existing users and driving structural upgrades to its business model, demonstrating growth vitality in areas such as technology enablement, auto-secured lending, and international operations.
The financial report indicates that for Q1 2026, Jiayin Group facilitated approximately RMB 19.3 billion in loan transaction volume and generated revenue of around RMB 757 million, meeting its previously issued performance guidance.
This achievement is attributed to the company's ongoing refinement of its asset tiering management and differentiated outreach strategies, coupled with stricter risk control and review standards.
In the first quarter, the average loan amount per transaction was RMB 7,111, and the repeat borrowing ratio reached 76.3%, marking an increase of 4.4 percentage points year-over-year, validating the effectiveness of its strategy to deepen engagement with its existing user base.
In the field of artificial intelligence, Jiayin Group continues to advance along a clear strategic path, integrating AI into fintech service scenarios to accelerate the evolution of its technological service capabilities.
The feature iteration cycle for its proprietary risk control models has been reduced from several days to under one hour, ensuring strategies can rapidly adapt to market changes and enabling the swift delivery of core technical capabilities to partner institutions.
Notably, AI agent-generated code now accounts for 30% of the total AI codebase, boosting R&D efficiency by approximately 20%, which further solidifies the engineering foundation for the large-scale deployment of AI.
Jiayin Group consistently regards "security" and "responsibility" as fundamental to its operations, leveraging its multimodal AI technology to continuously strengthen defenses protecting user rights.
In the first quarter, the company identified and blocked approximately 290,000 fraudulent loan applicants and intercepted 113,000 malicious applications from black-market operations.
Regarding shareholder returns, Jiayin Group has extended its current share repurchase program to June 12, 2027, with a remaining repurchase authorization of approximately $49.6 million.
Moving forward, the company will coordinate various shareholder return initiatives based on market conditions and its operational performance.
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