JFIN released its unaudited financial report for the second quarter of 2026 on the evening of August 28, 2026. According to Sina Finance, the company said it continued to adjust its business structure, optimize customer acquisition, risk control, and operations, and expand its cash and cash equivalents to 504 million yuan at the end of the quarter.
According to Sina Finance, JFIN said second-quarter facilitated transaction volume was about 9.5 billion yuan and revenue was about 737 million yuan, meeting its earlier performance guidance. Average loan size was 6,663 yuan, repeat borrowing accounted for 73.1%, and the 90-day-plus delinquency rate was 2.21% at the end of the quarter.
The company said it reduced risk exposure in the second quarter to address tighter industry liquidity and improved collection efficiency, with the 30-day recovery rate rising quarter on quarter. It also said its self-developed Fuxi platform had completed infrastructure, risk-control, and core skill accumulation, while its credit modeling workflow had been scaled up and shortened from three to five days to hourly levels.
Chairman Yan Dinggui said the company is expanding beyond a pure loan-matching platform toward a diversified platform centered on compliance, technology enablement, and ecosystem collaboration. He added that JFIN is continuing to increase strategic investment in artificial intelligence and overseas business.
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