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Yingying Xu

Research Analyst at Southwest Securities

Yingying Xu is an equity research analyst at Southwest Securities, specializing in coverage of China fintech and insurance-related companies such as Yuanbao Inc. Publicly available call-transcript data shows her participating in at least one Yuanbao earnings call in a lead analyst capacity, but there is currently no reliable third-party performance record with quantified success rates, average returns, or platform rankings tied specifically to her research. Limited public disclosures do not provide a clear career timeline, details of prior employers, or the date she joined Southwest Securities. There is also no confirmed information on her securities licenses, FINRA or CSRC registrations, or other professional credentials in English-language sources.

Yingying Xu's questions to Yuanbao (YB) leadership

Question · Q3 2025

Yingying Xu asked about the main drivers of Yuanbao's continued revenue growth for 2026, including marketing spend, AI efficiency, cross-selling, or commission rates, and how these factors are expected to change over the next three years. She also asked about Yuanbao's strategy to strengthen its brand, improve customer loyalty, and increase renewal rates compared to ecosystem players.

Answer

CFO Ray Wan stated that growth is driven by a holistic assessment across multiple dimensions, aiming for sustainable profitability with stable or flat customer acquisition costs. He projected at least 30% revenue growth for 2025. He highlighted Yuanbao's independent, AI-driven engine and deep cross-functional collaboration as key differentiators for brand strength and customer stickiness.

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