嘉银科技由严定贵先生于2011年6月18日创立,总部在中国上海。嘉银科技于2019年5月10日在美国纳斯 达克成功上市,股票代码:JFIN。 8月25日，嘉银科技(JFIN)盘中上涨2.22%，截至21:35，报14.403美元/股，成交7.43万美元，总市值7.69 亿美元。 嘉银科技全面聚焦科技战略,在科技领域全面开花结果,"天引"智能资金管理平台高效匹配资金资产,"明 鉴"智能风控引擎大幅优化风控水平,"大禹"数据资产管理平台系统提升数据治理能力,"嫦娥"智能语音呼 叫平台提供合规贴心贷后服务。多项科技创新成果的集中落地,促进嘉银科技实现了流程数字化、监督 自动化、决策科学化,数字经济基石不断夯实,数字技术能力飞速发展。 财务数据显示，截至2025年06月30日，嘉银科技收入总额36.62亿人民币，同比增长24.06%；归母净利 润10.59亿人民币，同比增长107.03%。 本文源自：金融界 资料显示，嘉银集团公司是中国领先的科技服务集团,致力于以大数据、云计算、人工智能等技术在消 费场景内连接消费者与金融机构,让每位用户都能享受到高效便捷的科技服务,同时助力金融机构业务高 速增长。 作者：行情君 嘉 ...

8月22日，嘉银科技(JFIN)盘中上涨5.12%，截至22:34，报13.96美元/股，成交40.16万美元，总市值7.45 亿美元。 财务数据显示，截至2025年06月30日，嘉银科技收入总额36.62亿人民币，同比增长24.06%；归母净利 润10.59亿人民币，同比增长107.03%。 大事提醒： 8月20日，嘉银科技2025财年中报归属股东应占溢利10.59亿人民币，同比增长107.03%，基本每股收益 4.99人民币。 资料显示，嘉银集团公司是中国领先的科技服务集团,致力于以大数据、云计算、人工智能等技术在消 费场景内连接消费者与金融机构,让每位用户都能享受到高效便捷的科技服务,同时助力金融机构业务高 速增长。 嘉银科技从创立之初就将科技创新刻入企业发展基因,坚持数字+科技双驱动,重点构建以大数据驱动为 核心理念的云服务平台和智能风控体系。 放眼全球,嘉银科技业务已经覆盖东南亚、非洲、拉丁美洲等多个地区,未来将继续推广到更多国家和地 区。 嘉银科技全面聚焦科技战略,在科技领域全面开花结果,"天引"智能资金管理平台高效匹配资金资产,"明 鉴"智能风控引擎大幅优化风控水平,"大禹"数据资产管理平台系统 ...

Core Viewpoint - JiaYin Technology (JFIN) shows strong financial performance with significant revenue and profit growth, indicating a positive outlook for the company [1][2]. Financial Performance - As of March 31, 2025, JiaYin Technology reported total revenue of 1.776 billion RMB, representing a year-on-year increase of 20.35% [1]. - The net profit attributable to the parent company reached 539 million RMB, marking a substantial year-on-year growth of 97.56% [1]. Company Overview - JiaYin Technology, founded by Mr. Yan Dinggui on June 18, 2011, is a leading technology service group in China, headquartered in Shanghai [2]. - The company was successfully listed on NASDAQ on May 10, 2019, under the stock code JFIN [2]. - JiaYin Technology focuses on connecting consumers with financial institutions through big data, cloud computing, and artificial intelligence, aiming to enhance service efficiency and support rapid business growth for financial institutions [2]. Technological Innovations - The company has developed several innovative platforms, including: - "TianYin" intelligent fund management platform for efficient asset matching [3]. - "MingJian" intelligent risk control engine to significantly optimize risk management [3]. - "DaYu" data asset management platform to enhance data governance capabilities [3]. - "ChangE" intelligent voice call platform for compliant and considerate post-loan services [3]. - These technological advancements have led to digital process optimization, automated supervision, and scientific decision-making, strengthening the foundation of the digital economy and rapidly advancing digital technology capabilities [3].

Financial Data and Key Metrics Changes - The company achieved a loan facilitation volume of RMB 37.1 billion, representing a year-on-year increase of approximately 54.6%, setting a new record [7][21] - Non-GAAP income from operations reached RMB 738 million, up approximately 182% year on year, while net income reached RMB 519 million, a year-on-year increase of approximately 117.8% [8][23] - The net income margin improved to 27.5%, significantly up from 16.1% in the same period last year [40] Business Line Data and Key Metrics Changes - The average borrowing amount per repeat borrower increased by 4.8% quarter on quarter, with their share of loan facilitation volume rising from 71.9% to 75.6% [10] - The number of borrowers reached 908,000, representing a year-on-year increase of approximately 33.5% [11] Market Data and Key Metrics Changes - In overseas markets, loan disbursements in Indonesia increased by over 200% year on year, and registered users grew by approximately 170% [14] - In Mexico, loan disbursement and registered users both increased by nearly 40% quarter on quarter [14] Company Strategy and Development Direction - The company is focusing on enhancing operational capabilities through data and AI empowerment to enable financial institutions to pursue long-term and quality growth [30] - The company plans to maintain compliance as a foundation while dynamically adjusting operational pace in response to new regulations [18] Management's Comments on Operating Environment and Future Outlook - Management expects the implementation of new loan facilitation regulations to drive long-term healthy industry development and ensure healthy competition [30] - The company anticipates Q3 loan facilitation volume guidance to be between RMB 32 billion and RMB 34 billion, with non-GAAP income from operations guidance set at RMB 490 million to RMB 560 million [18][40] Other Important Information - The company distributed a cash dividend of USD 0.8 per ADS, representing a 60% increase compared to last year [31] - An additional USD 50 million was approved for the share repurchase plan, bringing the total authorized repurchase amount to USD 80 million [32] Q&A Session Summary Question: Impact of new regulations on loan facilitation business and plans around shareholder returns - Management indicated that they will continue to focus on enhancing operational capabilities and are preparing contingency plans to respond to new regulations [30] - The company maintains an annual dividend policy with a total amount of approximately 30% of the previous year's net income after tax [31] Question: Outlook for profit margin and key drivers behind improved risk performance - The strong profit margin performance is attributed to increased loan facilitation volume, optimization of revenue mix, and strategic investments in AI technology [40] - Risk performance has improved due to ongoing investment in risk data and models, as well as increased loan volume [42]

Core Insights - JIAYIN Technology (JFIN.US) reported Q2 financial results for the period ending June 30, 2025, with net revenue of RMB 1.8862 billion (USD 263.3 million), representing a year-over-year growth of 27.8% [1] - The revenue from loan facilitation services reached RMB 1.6094 billion (USD 224.7 million), marking a significant increase of 69.2% year-over-year, primarily due to an increase in transaction volume facilitated by the company [1] - The company experienced a decline in guarantee service revenue, which was RMB 126.4 million (USD 17.6 million), down from RMB 424.8 million in the same period last year, attributed to a decrease in the average outstanding loan balance for guaranteed services [1] Financial Performance - Operating income for the company was RMB 639.1 million (USD 89.2 million), reflecting a substantial year-over-year increase of 181.4% [1] - Non-GAAP operating profit was RMB 737.6 million (USD 103 million), compared to RMB 261.6 million in the same quarter of 2024 [2] - Net profit reached RMB 519.1 million (USD 72.5 million), a remarkable growth of 117.8% compared to RMB 238.3 million in the previous year [2] Future Outlook - The company projects that the total loan facilitation amount for the full year of 2025 will be between RMB 137 billion and RMB 142 billion [2] - For Q3 2025, the expected loan facilitation amount is estimated to be between RMB 32 billion and RMB 34 billion [2] - The forecast for Q3 2025 non-GAAP operating profit is anticipated to be between RMB 490 million and RMB 560 million, reflecting the company's current and preliminary views on market and operational conditions [2]

Core Insights - JiaYin Technology reported an unaudited financial report for Q2 2025, with transaction volume reaching 37.1 billion RMB and revenue approximately 1.886 billion RMB [1] - The company’s asset quality showed a 90-day overdue rate of 1.12% as of the end of Q2 [1] - In terms of shareholder returns, JiaYin Technology distributed a cash dividend of $0.8 per ADS in July, totaling approximately $41.1 million, which is over a 50% increase from the previous year [1] - The board approved an extension of the current share repurchase plan until June 12, 2026, and added an additional $50 million to the existing repurchase program in August [1] - For Q3, the company set a transaction volume guidance of 32 billion to 34 billion RMB and a Non-GAAP operating profit guidance of 490 million to 560 million RMB [1]

Core Insights - Jiayin Group Inc. reported a significant increase in loan facilitation volume and net revenue for the second quarter of 2025, indicating strong operational performance amid macroeconomic challenges [1][6][8]. Financial Performance - Total loan facilitation volume reached RMB 37.1 billion (approximately US$ 5.2 billion), a 54.6% increase year-over-year [14]. - Net revenue was RMB 1,886.2 million (US$ 263.3 million), reflecting a 27.8% growth compared to the same period in 2024 [8][14]. - Revenue from loan facilitation services surged to RMB 1,609.4 million (US$ 224.7 million), marking a 69.2% increase from the previous year [9][14]. - Non-GAAP income from operations was RMB 737.6 million (US$ 103.0 million), a substantial increase from RMB 261.6 million in the same quarter of 2024 [15][14]. Operational Highlights - The average borrowing amount per transaction decreased by 10.5% to RMB 8,130 (US$ 1,135) [14]. - The contribution from repeat borrowers to total loan facilitation volume increased to 75.6%, up from 73.4% in the same period last year [14]. - The 90-day+ delinquency ratio stood at 1.12% as of June 30, 2025 [14]. Expenses and Costs - Facilitation and servicing expenses decreased by 53.1% to RMB 285.1 million (US$ 39.8 million) [10]. - Sales and marketing expenses rose by 46.0% to RMB 710.5 million (US$ 99.2 million), primarily due to increased borrower acquisition costs [12]. - General and administrative expenses increased by 70.0% to RMB 110.5 million (US$ 15.4 million) [12]. Business Outlook - The company anticipates its loan facilitation volume for the full year of 2025 to be between RMB 137.0 billion and RMB 142.0 billion, with a third-quarter forecast of RMB 32.0 billion to RMB 34.0 billion [18]. - Non-GAAP income from operations for the third quarter is expected to range from RMB 490 million to RMB 560 million [18]. Recent Developments - The Board of Directors approved a cash dividend of US$ 0.20 per ordinary share for the fiscal year 2025, totaling approximately US$ 41.1 million [19]. - A share repurchase plan was updated to allow for the repurchase of up to US$ 80 million in ordinary shares through June 12, 2026 [20]. Environmental, Social, and Governance (ESG) - Jiayin published its 2024 ESG report, emphasizing its commitment to corporate sustainability and ethical practices [21].

Core Viewpoint - JiaYin Technology (JFIN) shows strong financial performance with significant revenue and profit growth, indicating a positive outlook for the company as it prepares to release its mid-year financial report for FY2025 [1][2]. Financial Performance - As of March 31, 2025, JiaYin Technology reported total revenue of 1.776 billion RMB, representing a year-on-year increase of 20.35% [1]. - The company's net profit attributable to shareholders reached 539 million RMB, marking a substantial year-on-year growth of 97.56% [1]. Upcoming Events - JiaYin Technology is scheduled to disclose its mid-year financial report for FY2025 on August 20, 2023, before the market opens [2]. Company Overview - JiaYin Technology, founded by Mr. Yan Dinggui on June 18, 2011, is a leading technology service group in China, headquartered in Shanghai [2]. - The company went public on NASDAQ on May 10, 2019, under the stock code JFIN [2]. Strategic Focus - The company emphasizes technological innovation, focusing on a dual-driven approach of digital and technology to build a cloud service platform and intelligent risk control system [2][3]. - JiaYin Technology's business has expanded globally, covering regions such as Southeast Asia, Africa, and Latin America, with plans for further expansion [2]. Technological Innovations - JiaYin Technology has developed several innovative platforms, including: - "TianYin" intelligent fund management platform for efficient asset matching [3]. - "MingJian" intelligent risk control engine for enhanced risk management [3]. - "DaYu" data asset management platform for improved data governance [3]. - "ChangE" intelligent voice call platform for compliant post-loan services [3]. - These innovations have led to digital process optimization, automated supervision, and scientific decision-making, strengthening the foundation of the digital economy [3].

Group 1 - The core viewpoint of the article highlights the strong financial performance of JiaYin Technology (JFIN), with a significant increase in revenue and net profit year-on-year [1][2] - As of March 31, 2025, JiaYin Technology reported total revenue of 1.776 billion RMB, representing a year-on-year growth of 20.35%, and a net profit attributable to shareholders of 539 million RMB, reflecting a remarkable year-on-year increase of 97.56% [1] - The company is set to disclose its fiscal year 2025 mid-term report on August 26, 2023, which is anticipated to provide further insights into its financial performance [2] Group 2 - JiaYin Technology is a leading technology service group in China, focusing on connecting consumers with financial institutions through big data, cloud computing, and artificial intelligence [2] - The company was founded by Mr. Yan Dinggui on June 18, 2011, and is headquartered in Shanghai, China. It successfully went public on NASDAQ on May 10, 2019, under the stock code JFIN [2] - The company has expanded its business globally, covering regions such as Southeast Asia, Africa, and Latin America, with plans for further expansion into more countries and regions [2] Group 3 - JiaYin Technology is fully focused on its technology strategy, with multiple innovative platforms such as the "Tianyin" intelligent fund management platform, "Mingjian" intelligent risk control engine, "Dayu" data asset management platform, and "Chang'e" intelligent voice call platform [3] - These technological innovations have led to the digitalization of processes, automation of supervision, and scientific decision-making, thereby strengthening the foundation of the digital economy and rapidly advancing digital technology capabilities [3]

SHANGHAI, China, Aug. 12, 2025 (GLOBE NEWSWIRE) -- Jiayin Group Inc. ("Jiayin" or the "Company") (NASDAQ: JFIN), a leading fintech platform in China, today announced that it will release its unaudited financial results for the second quarter of 2025 before the U.S. market opens on Wednesday, August 20, 2025. A live and archived webcast of the conference call will be available on the company's investor relations website at https://ir.jiayintech.cn/. About Jiayin Group Inc. The Company will conduct a conferen ...