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Recent press releases and 8-K filings for YRD.
Yiren Digital Reports Q3 2025 Financial Results
YRD
Earnings
Guidance Update
Demand Weakening
- Yiren Digital reported total net revenue of RMB1,555.0 million (US$218.4 million) for the third quarter of 2025, marking a 5% increase from the same period in 2024. However, net income decreased to RMB317.6 million (US$44.6 million), and Adjusted EBITDA was RMB236.8 million (US$33.3 million).
- The company's financial services business saw total loans facilitated reach RMB20.2 billion (US$2.8 billion) in Q3 2025, a 51% increase compared to Q3 2024, with the outstanding balance of performing loans growing 50% year-over-year to RMB34.2 billion (US$4.8 billion) as of September 30, 2025.
- Despite loan growth, the number of borrowers served in Q3 2025 decreased by 11% year-over-year to 1,335,978, attributed to a strategic tightening of credit policy amid industry-wide credit risk fluctuations.
- Delinquency rates for loans past due for 1-30 days, 31-60 days, and 61-90 days increased to 2.7%, 1.7%, and 1.4%, respectively, as of September 30, 2025, compared to June 30, 2025.
- For the fourth quarter of 2025, Yiren Digital projects total revenue to be between RMB1.4 billion and RMB1.6 billion.
Nov 26, 2025, 11:03 AM
Yiren Digital Reports Q3 2025 Results with Revenue Growth and Declining Net Income
YRD
Earnings
Guidance Update
Demand Weakening
- Yiren Digital reported Q3 2025 total revenue of RMB 1.55 billion, a 5.1% year-over-year increase, while net income declined 12% quarter-over-quarter to RMB 318 million, or $0.51 per ADR share.
- The financial services segment was a key growth driver, with loan origination increasing 51% year-over-year to RMB 20.2 billion and revenue up 70% year-over-year to RMB 1.4 billion.
- The Internet insurance business showed significant momentum, with annualized premium growing 204% quarter-over-quarter to RMB 196 million and customer numbers rising 93% quarter-over-quarter to 229,353.
- Despite proactive credit policy tightening, delinquency rates edged up in Q3 2025, with the 1-30 day rate at 2.7%, and the company expects continued industry-wide pressure on asset quality in Q4.
- For Q4 2025, Yiren Digital projects revenue to be in the range of RMB 1.4 billion to RMB 1.6 billion.
Nov 25, 2025, 12:00 PM
Yiren Digital Reports Strong Q3 2025 Financials and Strategic Growth
YRD
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Yiren Digital reported strong financial performance in Q3 2025, with RMB20.2 billion in loan facilitation, a 51% year-over-year increase, and internet insurance annualized premiums surging 204% quarter-over-quarter to RMB196 million. Total revenue for the quarter was RMB1,555 million, with a net income of RMB318 million.
- The company maintains a premium borrower focus, evidenced by 77% repeat borrowing in Q3 2025, and holds an advantageous market position on nearly 30 regulatory "whitelists" for funding partners.
- Strategic initiatives include leveraging its proprietary Agentic AI platform for efficiency and pursuing international expansion, with its Indonesia business projected to scale up in 2026. The company also offers a significant 9.6% dividend yield as of November 24, 2025.
Nov 25, 2025, 12:00 PM
Yiren Digital Announces Q3 2025 Financial Performance
YRD
Earnings
Guidance Update
New Projects/Investments
- Yiren Digital reported Q3 2025 total revenue of RMB 1.55 billion, a 5.1% year-over-year increase, but net income declined 12% quarter-over-quarter to RMB 318 million, resulting in a 20% net margin.
- The financial services segment saw loan origination grow 51% year-over-year to RMB 20.2 billion, with a 77% repeat borrowing rate, while the Internet insurance business expanded significantly, with annualized premium reaching RMB 196 million, a 204% quarter-over-quarter growth.
- The company is actively using AI capabilities to improve sales conversion, risk controls, and reduce operational costs, including a RMB 5 million per month reduction in labor costs from AI-driven collections.
- Despite proactive credit policy tightening, delinquency rates edged up in Q3, with the 1-30 day rate at 2.7%, and the company anticipates continued industry-wide asset quality pressure in Q4 2025.
- For Q4 2025, revenue is projected to be between RMB 1.4 billion and RMB 1.6 billion.
Nov 25, 2025, 12:00 PM
Yiren Digital Reports Q3 2025 Results with Revenue Growth and Internet Insurance Expansion
YRD
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Yiren Digital reported Q3 2025 total revenue of RMB 1.55 billion, a 5.1% year-over-year increase, with net income of RMB 318 million and $0.51 EPS per ADR share, representing a 12% decline from Q2 2025.
- The financial services segment was a key growth driver, with loan origination increasing 51% year over year to RMB 20.2 billion and segment revenue growing 70% year over year to RMB 1.4 billion.
- The Internet insurance business demonstrated significant expansion, achieving RMB 196 million in gross premium, a 204% quarter-over-quarter growth, and increasing its customer base by 93% quarter over quarter to 229,353.
- Despite facing a challenging operating environment with heightened regulatory uncertainty and industry-wide asset quality pressure, the company is leveraging AI capabilities to enhance efficiency and risk management, and projects Q4 2025 revenue to be between RMB 1.4 billion and RMB 1.6 billion.
Nov 25, 2025, 12:00 PM
Yiren Digital Reports Third Quarter 2025 Financial Results
YRD
Earnings
Guidance Update
Demand Weakening
- Yiren Digital reported total net revenue of RMB1,555.0 million (US$218.4 million) in Q3 2025, marking a 5% increase from Q3 2024, primarily driven by a 70% increase in financial services revenue.
- Net income for Q3 2025 was RMB317.6 million (US$44.6 million), a decrease from RMB355.4 million in the same period of 2024, and Adjusted EBITDA was RMB236.8 million (US$33.3 million), down from RMB380.9 million in Q3 2024.
- Total loans facilitated in Q3 2025 reached RMB20.2 billion (US$2.8 billion), representing a 51% increase compared to Q3 2024, and the outstanding balance of performing loans grew 50% to RMB34.2 billion (US$4.8 billion) as of September 30, 2025.
- Delinquency rates as of September 30, 2025, for loans past due 1-30 days, 31-60 days, and 61-90 days were 2.7%, 1.7%, and 1.4%, respectively, showing an increase from June 30, 2025.
- The company projects total revenue for Q4 2025 to be between RMB1.4 billion and RMB1.6 billion.
Nov 25, 2025, 10:30 AM
Yiren Digital Discusses Q2 2025 Performance, AI, Web3, and International Expansion
YRD
New Projects/Investments
Guidance Update
Dividends
- Yiren Digital reported Q2 2025 total revenue of 1.65 billion RMB ($236 million), a 13% year-on-year increase, primarily driven by 75% growth in its online lending business. The company also achieved net income growth quarter-to-quarter in Q2 2025, reversing five quarters of decline.
- The company is expanding its operations internationally, having entered the Philippines in 2023 and Indonesia in September 2025, with overseas business projected to contribute 10% of total business by 2026.
- Yiren Digital is investing heavily in AI and Web3 technologies, launching its legal and compliance LLM (Zhu) and multi-AI agent platform (MultiQ) in 2025. A Web3 platform for crypto assets and Real World Assets (RWA) is under development, with a beta system launching in November 2025 and Platform 1.0 for staking services in H1 2026.
- The company continues its dividend policy, having increased dividends by 10% year-on-year in September, with a payout ratio of nearly 8%.
Nov 4, 2025, 3:00 PM
Yiren Digital Reports 2025 Financial Growth and Details AI, International, and Web3 Expansion Plans
YRD
New Projects/Investments
Revenue Acceleration/Inflection
Dividends
- Yiren Digital reported RMB1.65 billion (US$236 million) in total revenue for 2025, marking a 13% year-on-year growth, primarily driven by a 75% increase in its online lending business. The company reversed five quarters of net income decline in 2025 and anticipates continued positive net income margins.
- The company is strategically advancing its AI capabilities, launching the legal and compliance LLM Ziju and the multi-AI agent platform MultiQ in 2025, which are deeply embedded across its lending operations for efficiency and fraud prevention.
- Yiren Digital is expanding its global footprint, having entered the Philippines in 2023 and Indonesia in September 2025, projecting overseas business to contribute 10% of its total business by 2026.
- A key future initiative involves Web3 and Real World Asset (RWA) tokenization, with plans to launch an Ethereum staking platform in H1 2026 and its first fixed income product for the Web3 platform in H2 2026, targeting institutional clients.
Nov 4, 2025, 3:00 PM
Yiren Digital CFO Highlights AI Transformation Strategy
YRD
New Projects/Investments
Product Launch
- Yiren Digital's CFO, Mr. William Hui, presented the company's artificial intelligence (AI) transformation strategy at Hong Kong Fintech Week on November 3, 2025.
- The strategy includes its proprietary large language model, Zhiyu LLM, which enhances operational efficiency and decision accuracy in areas such as risk screening and customer service.
- The company also introduced "Magicube," an agentic AI platform designed to coordinate specialized AI agents for complex business functions and support expansion into new financial service verticals.
- Yiren Digital aims to leverage AI and blockchain to become an AI-powered and blockchain-enabled global fintech leader.
Nov 4, 2025, 10:25 AM
Yiren Digital to Showcase AI Transformation at Hong Kong FinTech Week
YRD
New Projects/Investments
Product Launch
- Yiren Digital's CFO, William Hui, is scheduled to deliver a keynote speech on November 3, 2025, at Hong Kong FinTech Week x StartmeupHK Festival 2025, highlighting the company's AI transformation journey and latest technological innovations.
- The company has deeply integrated proprietary AI technologies, including its enhanced Magicube Agent Platform and the large language model "Zhiyu", which obtained official regulatory approval for commercialization in April 2025.
- Yiren Digital is building a new growth engine to become an AI-powered and blockchain-enabled global fintech leader, with a strategic entry into crypto and blockchain finance.
Oct 30, 2025, 1:00 PM
Quarterly earnings call transcripts for Yiren Digital.
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