嘉银科技2025年第三季度营收14.70亿元，净收入3.77亿元

Core Viewpoint - JIAYIN Technology reported its Q3 2025 unaudited financial results, showing growth in revenue and net income, while also highlighting challenges in the industry due to new regulations [1] Financial Performance - The company's net revenue for Q3 2025 was 1.47 billion yuan, an increase of 1.8% compared to the same period in 2024 [1] - Non-GAAP operating profit was 490.6 million yuan, up from 327 million yuan year-on-year [1] - Net income reached 377 million yuan, reflecting a year-on-year growth of 39.7% [1] Loan Facilitation Metrics - JIAYIN Technology facilitated loan transactions amounting to 32.2 billion yuan in Q3 2025, representing a year-on-year increase of approximately 20.6% [1] - The average loan amount per transaction was 9,115 yuan, which is a 19.5% increase compared to the same period in 2024 [1] - The repeat borrowing contribution rate was 78.6%, up from 73.0% in the previous year [1] - As of September 30, 2025, the company reported a delinquency rate of 1.33% for loans overdue by more than 90 days [1] Future Guidance - The company set its Q4 2025 transaction volume guidance between 23 billion to 25 billion yuan, with an annual transaction volume target of 127.8 billion to 129.8 billion yuan [1] - The annual Non-GAAP operating profit guidance is projected to be between 1.99 billion to 2.06 billion yuan [1]