Core Insights - JiaYin Technology (JFIN.US) reported strong performance in Q1 2025, achieving a loan facilitation transaction volume of approximately 35.6 billion yuan, a year-on-year increase of about 58.2% [1] - The company generated revenue of approximately 1.776 billion yuan and a net profit of around 540 million yuan in the same quarter [1] Business Performance - The domestic economic recovery has positively impacted JiaYin Technology, leading to a successful start in Q1 [1] - The company has implemented a "quality score" mechanism to enhance risk assessment for new customers, resulting in a 90-day overdue rate of 1.13%, indicating a stable risk control system [2] Technological Advancements - JiaYin Technology launched the "Fuxi" model management platform, which now covers 90% of its business lines, significantly improving model deployment efficiency by nearly three times [2] - The company upgraded its "Tianlu" R&D efficiency operation platform to standardize and automate the entire product development lifecycle [2] Shareholder Returns - In March, the company updated its dividend policy, increasing the payout ratio from at least 15% to around 30% of the previous fiscal year's net profit [2] - The board approved a dividend plan of $0.8 per ADS, representing a year-on-year increase of approximately 60% [2] - The existing stock repurchase plan has a cap of $30 million, with an extension of its validity until June 12, 2026 [2]