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Jia Liang Yuan

Research Analyst at Huafu Securities

Publicly available information does not provide a detailed, verifiable professional profile for an analyst named Jia Liang Yuan at Huafu Securities, including job title, coverage list, performance metrics, or credentials. No authoritative sources or a confirmed LinkedIn profile could be identified that match this name–firm combination with enough specificity to describe companies covered or a documented performance track record. There is also no clear, time-stamped career history showing prior employers, start dates, or promotions that can be reliably attributed to this individual. Because of this lack of reliable data, a substantive description of their career, coverage, and credentials cannot be produced without resorting to speculation.

Jia Liang Yuan's questions to Yuanbao (YB) leadership

Question · Q3 2025

Jia Liang Yuan inquired about the breakdown of quarterly revenue growth between new user acquisition and higher premium per user, key drivers for sustainable growth over the next three years, and the quantification of KPI improvements from AI efficiency, including potential new revenue streams or pricing power from exporting AI capabilities.

Answer

CFO Ray Wan explained that revenue growth is driven by market tailwinds, cross-selling, product innovation, and data advantage. He emphasized AI's deep integration across operations, enhancing efficiency and product development, such as the new critical illness product. He believes AI capabilities will expand product offerings and potentially diversify revenue streams.

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Question · Q3 2025

Jia Liang Yuan asked for a breakdown of revenue growth between new user acquisition and higher premium per user, and the key drivers for sustainable growth over the next three years. He also inquired about quantifiable KPI improvements from AI and whether exporting these AI capabilities could create new revenue streams or pricing power.

Answer

Ray Wan, CFO, identified market tailwinds, cross-selling/product innovations, and data advantage as the three key drivers for sustainable growth over the next 2-3 years. He explained AI's deep integration across the business, enhancing operational efficiency, product development (e.g., the new critical illness product), and potentially expanding product offerings, which could lead to new revenue streams.

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