Yiren Digital Ltd (YRD)

Yiren Digital Advances AI Entertainment Strategy Through Warrant Agreement with an AI-Native Entertainment and Emotional Wellness PlatformJuly 8, 2026 7:00 AM
PR Newswire (US) Staged Investment Rights Provide a Pathway Toward Potential Majority Ownership in a Fast-Growing, Internationally Focused AI Application CompanyBEIJING, July 8, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced that it has entered into a warrant agreement with a privately held AI-native company (the "Target Company") focused on immersive AI entertainment and emotional wellness with a predominantly international footprint. The arrangement further advances the Company's "All-in-AI" strategy and its expansion into the AI entertainment and emotional wellness vertical.The name of the Target Company is not disclosed due to confidentiality obligation. The agreement marks the fourth AI company with which Yiren Digital has entered into a warrant agreement, reflecting the Company's disciplined approach to acquiring potential controlling interests while deploying capital efficiently to create long-term shareholder value. Under the agreement, the Company has the right to exercise the warrant, to acquire a combination of existing and newly issued shares at a predetermined price with the objective of becoming the controlling shareholder. These rights are staged investment rights and do not constitute current control, de facto control, or consolidation. Any future change in ownership will occur only upon satisfaction of contractual conditions and completion of required payments, and all subsequent exercises will be subject to applicable regulatory requirements and corporate governance procedures. Upon completion of the warrant exercise, the Target Company is expected to become part of Yiren Digital's forthcoming AI Entertainment and Emotional Wellness business segment.The Target Company operates in the rapidly growing AI-powered digital companion market, a key segment within AI entertainment. Its platform offers immersive, story-driven AI experiences designed to foster deep user engagement while providing personalized companionship experiences through intelligent AI interactions. By combining rich storytelling with adaptive AI characters, the platform creates meaningful user experiences that extend beyond conventional chatbot applications. The Target Company has established a leading position across Southeast Asia and Greater China, including Vietnam, Thailand, and Taiwan region, and is developing its own proprietary, purpose-built AI roleplay model. By combining high-quality user interactions with proprietary model development, the Target Company aims to create a self-reinforcing data and model improvement cycle that continuously enhances user experience."We believe the future of AI lies not only in improving productivity, but also in creating richer and more meaningful human experiences," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "Platforms that combine immersive content, emotional engagement, and proprietary AI technologies represent an exciting new frontier. We will continue to invest in AI-native businesses that complement our ecosystem in order to create long-term value for our users and shareholders."Expanding into AI EntertainmentThe Target Company operates in AI companionship and roleplay entertainment, an emerging segment of AI entertainment that Yiren Digital believes represents one of the consumer AI formats with the clearest user demand and monetization potential. Through this and related investments, the Company aims to build a leading presence in AI entertainment, combining immersive, narrative-driven experiences with Yiren Digital's proprietary AI capabilities, operating resources and commercialization experience.User Traction and International MomentumAccording to unaudited operating data provided by the Target Company, as of June 2026, the platform had reached over 3 million cumulative users and over 150,000 cumulative paying users, with a DAU/MAU ratio of approximately 44%, and an unaudited annualized revenue run-rate exceeding US$10 million. The business is predominantly international, with strong momentum across selected Southeast Asian and Greater China markets, including Thailand, Vietnam and Taiwan region. Building on this regional traction, the Target Company intends to expand its marketing and user acquisition efforts in the United States and other Western markets.Advancing Yiren Digital's AI Application-Layer StrategyYiren Digital views AI entertainment and emotional wellness as an important extension of its AI application-layer strategy, providing large-scale consumer engagement, proprietary interaction data and recurring monetization opportunities that complement its established fintech platform. In this sector, the Company intends to pursue a disciplined path to scale while continuing to evaluate additional investment and collaboration opportunities in AI-native consumer applications. If the warrant is exercised and all applicable conditions are satisfied, the Target Company could become an important part of Yiren Digital's AI entertainment and emotional wellness vertical.About Yiren DigitalYiren Digital Ltd. is a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.Safe Harbor StatementThis press release contains forward-looking statements. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "aim," "anticipate," "believe," "estimate," "expect," "hope," "going forward," "intend," "ought to," "plan," "project," "potential," "seek," "may," "might," "can," "could," "will," "would," "shall," "should," "is likely to" and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident," and similar expressions. Forward-looking statements are based on management's current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company's filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law. View original content:https://www.prnewswire.com/news-releases/yiren-digital-advances-ai-entertainment-strategy-through-warrant-agreement-with-an-ai-native-entertainment-and-emotional-wellness-platform-302820630.htmlSOURCE Yiren Digital Ltd. Original: Yiren Digital Advances AI Entertainment Strategy Through Warrant Agreement with an AI-Native Entertainment and Emotional Wellness Platform

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Yiren Digital Announces New $20 Million Share Repurchase ProgramJuly 2, 2026 5:35 AM
PR Newswire (US) BEIJING, July 2, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced that its board of directors has authorized a new share repurchase program, under which the Company may repurchase up to 10% of total issued and outstanding Ordinary Shares and/or American depositary shares ("ADSs") for up to US$20 million over the next 12 months, effective as of the date hereof.The Company's proposed repurchases may be made from time to time in the open market at prevailing market prices, in privately negotiated transactions, in block trades and/or through other legally permissible means, including through Rule 10b5-1 trading plans, depending on market conditions and in accordance with applicable laws, rules and regulations. The timing and amount of repurchases, if any, will be subject to market conditions, trading price, trading volume and other factors. The Company's board of directors will review the share repurchase program periodically and may authorize adjustments to its terms and size. The Company expects to fund the repurchases from its existing cash balance.About Yiren DigitalYiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.Safe Harbor StatementThis press release contains forward-looking statements. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "aim," "anticipate," "believe," "estimate," "expect," "hope," "going forward," "intend," "ought to," "plan," "project," "potential," "seek," "may," "might," "can," "could," "will," "would," "shall," "should," "is likely to" and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident," and similar expressions. Forward-looking statements are based on management's current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company's filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law. View original content:https://www.prnewswire.com/news-releases/yiren-digital-announces-new-20-million-share-repurchase-program-302816794.htmlSOURCE Yiren Digital Ltd. Original: Yiren Digital Announces New $20 Million Share Repurchase Program

Yiren Digital to Report First Quarter 2026 Financial Results on June 25, 2026June 17, 2026 5:00 AM
PR Newswire (US) BEIJING, June 17, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced that it plans to release its unaudited financial results for the first quarter ended March 31, 2026 before U.S. market opens on Thursday, June 25, 2026.Yiren Digital's management will host an earnings conference call at 8:00 a.m. U.S. Eastern Time on June 25, 2026 (or 8:00 p.m. Beijing/Hong Kong Time on June 25, 2026).Participants who wish to join the call should register online in advance of the conference at: https://dpregister.com/sreg/10209861/10439ec2351.Once registration is completed, participants will receive the dial-in details for the conference call.Additionally, a live and archived webcast of the conference call will be available at https://ir.yiren.com.About Yiren DigitalYiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com. View original content:https://www.prnewswire.com/news-releases/yiren-digital-to-report-first-quarter-2026-financial-results-on-june-25-2026-302802883.htmlSOURCE Yiren Digital Original: Yiren Digital to Report First Quarter 2026 Financial Results on June 25, 2026

Yiren Digital Announces Increase in Beneficial Ownership by Mr. Ning Tang Following Controlling Shareholder RestructuringJune 8, 2026 5:00 AM
PR Newswire (US) BEIJING, June 8, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced that it has been notified by CreditEase Holdings (Cayman) Limited, the Company's controlling shareholder (the "Controlling Shareholder"), that a change in the Controlling Shareholder's shareholding structure took place on June 5, 2026 (the "Restructuring"). As a result of the Restructuring, Mr. Ning Tang, the Company's Executive Chairman and Chief Executive Officer, now beneficially owns the entire equity interests in the Controlling Shareholder. Accordingly, Mr. Ning Tang's indirect beneficial ownership of the Company's ordinary shares has increased from approximately 35.6% to approximately 82.0% of the total issued and outstanding ordinary shares of the Company. Prior to the Restructuring, Mr. Ning Tang held a 43.4% equity interest in the Controlling Shareholder.The Restructuring relates solely to the ownership structure of the Controlling Shareholder and does not result in any change to the Company's day-to-day operations, management, business strategy, or corporate governance.About Yiren DigitalYiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. With the successful filing of the in-house developed Large Language Model Zhiyu, the substantial upgrade of its Magicube Agent platform, Yiren Digital is establishing a new growth engine to position itself as an AI-powered next-generation fintech leader. For more information, please visit https://ir.yiren.com.Safe Harbor StatementThis press release contains forward-looking statements. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "aim," "anticipate," "believe," "estimate," "expect," "hope," "going forward," "intend," "ought to," "plan," "project," "potential," "seek," "may," "might," "can," "could," "will," "would," "shall," "should," "is likely to" and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident," and similar expressions. Forward-looking statements are based on management's current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Potential risks and uncertainties include, but are not limited to, unexpected changes in regulatory policies or enforcement practices, macroeconomic conditions, borrower credit behavior, funding partner participation, competitive dynamics, the Company's ability to achieve its anticipated financial results or previously issued guidance, and the Company's ability to meet the standards necessary to maintain listing of its ADSs on the NYSE, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company's filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law.  View original content:https://www.prnewswire.com/news-releases/yiren-digital-announces-increase-in-beneficial-ownership-by-mr-ning-tang-following-controlling-shareholder-restructuring-302793748.htmlSOURCE Yiren Digital Ltd. Original: Yiren Digital Announces Increase in Beneficial Ownership by Mr. Ning Tang Following Controlling Shareholder Restructuring

Yiren Digital Comments on Recent Media Reports Concerning Affiliates of Its Controlling ShareholderMay 26, 2026 7:30 AM
PR Newswire (US) BEIJING, May 26, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today commented on recent media reports concerning certain financial products offered by affiliates of the Company's controlling shareholder.Yiren Digital is an independent company listed on the New York Stock Exchange, with its own management team, board of directors, financial reporting and day-to-day operations that are separate from those of its controlling shareholder. The Company's business and strategic focus center on AI-enabled credit and insurance services and technology-driven operations. The Company does not operate in unrelated industries or business sectors.The matters referenced in the media reports relate to affiliates of the controlling shareholder are not connected to the Company. The Company continues to operate in the normal course of business, and its operations remain unaffected.Transactions between Yiren Digital and its controlling shareholder and its affiliates are conducted on an arm's-length basis, and are disclosed in the Company's filings in accordance with U.S. Securities and Exchange Commission rules and applicable regulatory requirements.Yiren Digital remains focused on executing its strategy across AI-enabled financial services, insurance brokerage and technology-driven operations, and is committed to transparent communication with investors and the capital markets. The Company will make any disclosures required under applicable laws, regulations and listing standards as and when appropriate.About Yiren DigitalYiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.Safe Harbor StatementThis press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident," and similar expressions.Forward-looking statements are based on management's current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of Yiren Digital Ltd. (NYSE: YRD) (the "Company"), and which could cause actual results to differ materially from those expressed or implied in such statements.Such risks and uncertainties include, but are not limited to, significant fluctuations in loan origination volumes, changes in credit performance and delinquency trends, variations in take rates and monetization efficiency, availability and cost of funding, and the Company's ability to achieve its anticipated financial results or previously issued guidance.In addition, the Company operates in a highly regulated industry in the People's Republic of China ("PRC"), and its business is materially affected by the evolving regulatory framework applicable to credit facilitation, consumer finance, online lending-related services, data security, and financial risk management. Regulatory policies and implementation measures in these areas have undergone, and may continue to undergo, significant and rapid changes, including changes in interpretation and enforcement.Such regulatory developments may include, but are not limited to, adjustments to risk retention and capital requirements, restrictions on pricing, interest rates, or service fees, enhanced consumer protection and compliance obligations, data privacy and cybersecurity requirements, and limitations on certain business models or partnership structures. These measures may materially impact the Company's ability to originate loans, maintain relationships with funding partners, price its services competitively, or sustain historical revenue and profitability levels.Furthermore, the timing, scope, and enforcement intensity of regulatory changes in the PRC are often uncertain and may vary across regions and over time. Such uncertainty may result in increased compliance costs, operational constraints, and strategic adjustments, and may also affect funding partner behavior, borrower demand, and overall industry liquidity.In addition, shifts in regulatory policy and market expectations may adversely affect investor sentiment and capital market conditions for the industry, potentially resulting in reduced loan facilitation volumes, increased volatility in financial performance, and pressure on margins.Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors, including, but not limited to, unexpected changes in regulatory policies or enforcement practices, macroeconomic conditions, borrower credit behavior, funding partner participation, competitive dynamics, and other risks described in the Company's filings with the U.S. Securities and Exchange Commission.All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law. View original content:https://www.prnewswire.com/news-releases/yiren-digital-comments-on-recent-media-reports-concerning-affiliates-of-its-controlling-shareholder-302781711.htmlSOURCE Yiren Digital Ltd. Original: Yiren Digital Comments on Recent Media Reports Concerning Affiliates of Its Controlling Shareholder

Yiren Digital Shares Slip After Q4 Loss and Dividend Suspension Amid Rising Credit RiskMarch 19, 2026 10:13 AM
IH Market News
Yiren Digital Ltd. (NYSE:YRD) reported a fourth-quarter loss and weaker-than-expected revenue, while announcing a temporary suspension of its dividend as the Chinese fintech firm responds to rising credit risks in the consumer lending market. Shares declined about 2% following the announcement.The company posted a loss of RMB10.07 per American Depositary Share in the fourth quarter, compared with earnings of RMB3.82 per ADS during the same period a year earlier. Revenue dropped 34% year over year to RMB957.6 million, well below the RMB1.45 billion recorded in the prior-year quarter.Yiren Digital also said it will temporarily suspend its semi-annual cash dividend for the second half of 2025 in order to preserve capital for potential credit volatility and continued technology investment.Loan activity declined during the quarter as the company tightened lending standards in response to broader industry credit risk concerns. Total loans facilitated fell 22% year over year to RMB12.0 billion, while the number of borrowers served dropped 52% to 742,444.Revenue from the company’s credit solutions segment, which represents 87% of overall revenue, decreased 21% year over year to RMB832.7 million.The company reported a net loss of RMB882.2 million for the quarter, compared with net income of RMB331.4 million in the fourth quarter of 2024. The decline was largely driven by significantly higher provisions tied to risk-bearing assets, increased expected loss rates and lower fee structures introduced under new regulatory rules. Provisions for contingent liabilities surged to RMB1.11 billion from RMB250.7 million a year earlier.“Our early efforts to strengthen credit standards and proactively build financial buffers ahead of the industry downturn have allowed us to navigate a challenging market environment while maintaining stable operations,” said Ning Tang, Chairman and CEO.For the full year 2025, Yiren Digital reported net income of RMB40.5 million, a sharp decline from RMB1.58 billion in 2024, on total revenue of RMB5.72 billion.Yiren Digital stock price

Original: Yiren Digital Shares Slip After Q4 Loss and Dividend Suspension Amid Rising Credit Risk

Yiren Digital Reports Fourth Quarter and Fiscal Year 2025 Financial ResultsMarch 19, 2026 7:00 AM
PR Newswire (US)

BEIJING, March 19, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced its unaudited financial results for the fourth quarter and 2025 fiscal year ended December 31, 2025.Fourth Quarter and Fiscal Year 2025 Operational HighlightsCredit Solution Business (formerly known as Financial Services Business)Total loans facilitated in the fourth quarter of 2025 was RMB12.0 billion (US$1.7 billion), representing a decrease of 40% compared to RMB20.2 billion in the third quarter of 2025 and a decrease of 22% compared to RMB15.4 billion in the same period of 2024. Total loans facilitated for the 2025 full year reached RMB67.8 billion (US$9.7 billion), representing an increase of 26% from RMB53.6 billion in 2024.Number of borrowers served in the fourth quarter of 2025 was 742,444, representing a decrease of 44% compared to 1,335,978 in the third quarter of 2025 and a decrease of 52% compared to 1,560,789 in the same period of 2024. The decrease was due to the strategic tightening of the credit policy amid ongoing industry-wide fluctuations in credit risk.Repeat borrowers' loan amount [1] accounted for 77% of the total volume of loans facilitated in the fourth quarter of 2025, in line with the third quarter of 2025. Repeat borrowers' loan amount percentage was 76% for the 2025 full year, compared to 59% in 2024.Cumulative number of borrowers served reached 14,295,499 as of December 31, 2025, representing an increase of 2% from 14,006,873 as of September 30, 2025, and an increase of 16% compared to 12,350,400 as of December 31, 2024.Outstanding balance of performing loans facilitated was RMB28.6 billion (US$4.1 billion) as of December 31, 2025, representing a decrease of 17% from RMB34.2 billion as of September 30, 2025, and an increase of 15% compared to RMB24.8 billion as of December 31, 2024.Insurance Brokerage BusinessGross written premiums in the fourth quarter of 2025 were RMB860.1 million (US$123.0 million), representing a decrease of 25% from RMB1,148.0 million in the third quarter of 2025 and a decrease of 22% compared to RMB1,100.3 million in the same period of 2024. The decline was primarily due to reduced gross written premiums from broker channels, partially offset by the continued strong growth of the internet insurance distribution business.Cumulative number of insurance clients was 2,035,550 as of December 31, 2025, representing an increase of 10% from 1,853,435 as of September 30, 2025, and an increase of 33% from 1,532,119 as of December 31, 2024.Number of new insurance policies in the fourth quarter of 2025 was 824,225, representing a 16% increase from 710,079 in the third quarter of 2025, and a 68% increase from 490,409 in the same period of 2024. This was primarily driven by the rapid expansion of internet distribution channels throughout 2025."Our early efforts to strengthen credit standards and proactively build financial buffers ahead of the industry downturn have allowed us to navigate a challenging market environment while maintaining stable operations," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "The AI-driven risk management system we built over the past two years is delivering measurable results, sharpening our credit decision-making capabilities and reinforcing our operational resilience in China's evolving credit market. These same AI capabilities are enabling us to scale our internet insurance distribution business, which sustained strong growth momentum in 2025 and meaningfully expanded our addressable market. Our strategic focus in 2026 is to deepen our AI-driven operating model and accelerate the transformation of our two core business segments into purpose-built frameworks that serve institutional and individual clients and generate more commercial opportunities from the AI technologies we have developed over the past few years.""Fiscal 2025 was a period of elevated credit risk across the consumer lending industry, and we met this environment with disciplined risk management and proactive balance sheet stewardship. We tightened our credit policy early and accumulated cash reserves to ensure we navigated the cycle with excess financial strength. Our internet insurance distribution business delivered strong momentum throughout the year, emerging as a meaningful contributor to revenue diversification and a proof point of our ability to scale new business lines," Mr. William Hui, Chief Financial Officer of Yiren Digital, commented.Fourth Quarter 2025 Financial ResultsTotal net revenue in the fourth quarter of 2025 was RMB957.6 million (US$136.9 million), representing a decrease of 34% from RMB1,452.2 million in the fourth quarter of 2024.Within this, revenue from credit solution business was RMB832.7 million (US$119.1 million), representing a decrease of 21% from RMB1,047.8 million in the same period of 2024. The decrease was mainly attributed to a decline in service fee rate under the new regulatory framework and a proactive, strategic scale-back on the loan facilitation volume of credit solution business amid heightened market risks. Revenue from credit solution business accounted for 87% of total net revenue in the fourth quarter.Revenue from insurance brokerage business was RMB83.8 million (US$12.0 million) in the fourth quarter of 2025, representing a decrease of 21% from RMB106.4 million in the fourth quarter of 2024 due to structural compression in service fee rate in recent years. The internet distribution sub-segment has demonstrated strong growth momentum since mid-2025 and its contribution to total brokerage revenue is increasing significantly in the fourth quarter of 2025 to 22%.Revenue from other business was RMB41.1 million (US$5.9 million), compared with RMB298.0 million in the same period of 2024. The decrease was mainly attributable to the continued decline in sales through the e-commerce business.Sales and marketing expenses in the fourth quarter of 2025 were RMB206.1 million (US$29.5 million), a decrease of 31% compared to RMB298.5 million in the same period of 2024. This change was mainly attributable to a scale-down in facilitated loan volume in the fourth quarter of 2025, and a higher contribution from repeat borrowers through Yixianghua platform, which increased to 77%, compared with 65% in the same period last year, and a decrease in new customer acquisition costs as the result of AI-assisted precision marketing.Origination, servicing and other operating costs in the fourth quarter of 2025 were RMB250.9 million (US$35.9 million), representing a 27% increase from RMB197.2 million in the same period of 2024. The increase reflects a strategic decision to raise asset recovery commissions to incentivize stronger recovery performance amid a challenging credit environment. These incremental recovery costs were partially offset by meaningful savings from the accelerated deployment of AI agents and automation across the collection and customer service workflows, as well as disciplined cost management across broader operations.Research and development expenses in the fourth quarter of 2025 were RMB121.4 million (US$17.4 million), a decrease of 26% compared to RMB164.7 million in the same period of 2024, and an increase of 33% from RMB91.5 million in the third quarter of 2025. The year-over-year decrease in R&D expenses was mainly due to a high base resulting from a one-off development expense in the AI credit system in the second half of 2024. With that build largely complete, the deeper integration of AI automation tools across the credit analytic workflows in 2025 delivered measurable efficiency gains and a more optimized cost structure. R&D expenses increased in the fourth quarter compared to the third quarter due to increased investment in senior AI R&D talent to support the execution of the 2026 AI roadmap.General and administrative expenses in the fourth quarter of 2025 were RMB44.3 million (US$6.3 million), representing a modest increase of 5%, compared to RMB42.2 million in the same period of 2024 and a decrease of 58% from RMB104.4 million in the third quarter of 2025. As Yiren Digital continues to invest in talent and implement organizational restructuring to strengthen its operational capabilities, these expenses may have some seasonal fluctuation.Allowance for contract assets, receivables and others in the fourth quarter of 2025 was RMB295.8 million (US$42.3 million), compared to RMB203.1 million in the same period of 2024. The increase was driven by higher receivables from guarantee services and financing services, fueled by rising expected loss rates amid an industry-level higher risk profile of assets.Provision for contingent liabilities in the fourth quarter of 2025 was RMB1,110.1 million (US$158.7 million), compared to RMB250.7 million in the same period of 2024. The increase was primarily driven by the overall growth in loan volume originated under the risk-taking model[2], coupled with a higher-risk asset profile.Fair value adjustments gain/(loss) in the fourth quarter of 2025 was a loss of RMB84.9 million (US$12.1 million), compared to a gain of RMB16.9 million in the same period of 2024, and a gain of RMB161.3 million in the third quarter of 2025. The decrease primarily resulted from fair value changes in crypto assets, reflecting the overall decline in digital asset prices during the fourth quarter of 2025.Income tax benefit in the fourth quarter of 2025 was RMB245.3 million (US$35.1 million).Net loss for the fourth quarter of 2025 was RMB882.2 million (US$126.1 million), compared to a net income of RMB331.4 million in the same period in 2024. The loss primarily resulted from substantial upfront provisions recognized in the quarter for risk-taking model assets in the credit solution business — required by accounting standards for the expanding loan volume under the risk-taking model — along with a higher-risk asset profile and lower fee rates in the loan facilitation business under the new regulations. The short-term impact of accounting standards on earnings should normalize as the risk-taking loan balance stabilizes.Adjusted EBITDA[3] (non-GAAP) in the fourth quarter of 2025 was a loss of RMB1,022.8 million (US$146.3 million), compared to a gain of RMB319.5 million in the same period of 2024 and a gain of RMB236.8 million in the third quarter of 2025.Basic and diluted loss per ADS in the fourth quarter of 2025 were RMB10.1230 (US$1.4476) and RMB10.0650 (US$1.4392), respectively, compared to basic and diluted income per ADS of RMB3.8378 and RMB3.8156, respectively, in the same period of 2024.Net cash used in operating activities in the fourth quarter of 2025 was RMB197.6 million (US$28.3 million), compared to RMB373.0 million generated from operating activities in the same period of 2024.Net cash provided by investing activities in the fourth quarter of 2025 was RMB50.8 million (US$7.3 million), compared to RMB32.9 million used in investing activities in the same period of 2024.Net cash used in financing activities in the fourth quarter of 2025 was RMB234.1 million (US$33.5 million), compared to RMB114.3 million in the same period of 2024.As of December 31, 2025, cash and cash equivalents were RMB3,348.1 million (US$478.8 million), compared to RMB3,841.3 million as of December 31, 2024. As of December 31, 2025, the balance of financial investments was RMB483.7 million (US$69.2 million), compared to RMB437.2 million as of December 31, 2024.Delinquency rates[4]. As of December 31, 2025, the delinquency rates for loans that are past due for 1-30 days, 31-60 days and 61-90 days were 3.4%, 3.0% and 2.8%, respectively, compared to 2.7%, 1.7% and 1.4%, respectively, as of September 30, 2025.Fiscal Year 2025 Financial ResultsTotal net revenue in 2025 was RMB5,719.2 million (US$817.8 million), representing a decrease of 1% from RMB5,805.9 million in 2024.By segment, revenue from credit solution business was RMB5,040.0 million (US$720.7 million), representing an increase of 45% from RMB3,473.1 million in 2024. The increase was primarily attributable to increased guarantee services revenue from overall growth in loan volume originated under the risk-taking model in 2025, as well as to increased revenue from marketing services and technical support services.Revenue from insurance brokerage business was RMB297.6 million (US$42.6 million) in 2025, representing a decrease of 27% from RMB408.4 million in 2024. The decline reflects structural compression in brokerage commission rates and tightened market conditions under enhanced regulatory oversight in recent years. However, the internet distribution channel has demonstrated strong growth momentum in 2025 and accounted for 14% of revenue in this segment for the whole year result.Revenue from other business was RMB381.6 million (US$54.6 million), compared with the revenue of RMB1,924.4 million in 2024. The decrease was mainly attributable to a continued decline in sales from the e-commerce business.Sales and marketing expenses in 2025 were RMB1,159.9 million (US$165.9 million), a 3% decrease compared to RMB1,196.4 million in 2024, while total loan facilitation increased by 26% in 2025, reflecting improved customer acquisition efficiency. The decline in sales and marketing expenses was mainly attributable to a higher contribution from repeat borrowers through the Yixianghua platform, which increased to 76% in 2025, compared with 59% in 2024. The increasing application of Artificial Intelligence Generated Content ("AIGC") and AI agents in tele-sales also contributed to the decrease in this expense.Origination, servicing and other operating costs in 2025 were RMB786.4 million (US$112.5 million), representing an 11% decrease from RMB883.0 million in 2024. This decrease was primarily driven by cost savings from decreased insurance brokerage business along with the broader use of AI agents to automate customer service, and enhanced cost discipline in overall operations. Research and development expenses in 2025 were RMB406.6 million (US$58.1 million), representing a decrease of 1% compared to RMB411.9 million in 2024. R&D expenses were well-balanced in 2025 as the AI credit system completed a major upgrade at the end of 2024, which created cost savings, offset by an increase in AI talent for future AI initiatives.General and administrative expenses in 2025 were RMB323.4 million (US$46.2 million), representing an increase of 18% compared to RMB274.7 million in 2024, primarily driven by the continuous investment in professionals and specialized talent to support business diversification and strengthen risk management, alongside organizational restructuring initiatives.Allowance for contract assets, receivables and others in 2025 was RMB892.7 million (US$127.6 million), compared to RMB523.6 million in 2024. The increase was driven by increased loan facilitation volume in 2025 compared to the prior year, which resulted in higher receivables and a corresponding increase in the allowance.Provision for contingent liabilities in 2025 was RMB2,366.3 million (US$338.4 million), compared to RMB869.3 million in 2024. The increase was primarily driven by the overall growth in loan volume originated under the risk-taking model in 2025, coupled with a higher-risk asset profile.Fair value adjustments gain in 2025 was RMB46.1 million (US$6.6 million) compared to RMB107.5 million in 2024. The decrease was mainly attributable to fair value changes in crypto assets, reflecting weaker digital asset prices in the fourth quarter of 2025.Income tax benefit in 2025 was RMB99.0 million (US$14.2 million), compared to an income tax expense of RMB279.2 million in 2024.Net income in 2025 was RMB40.5 million (US$5.8 million), compared to RMB1,582.3 million in 2024. The decrease primarily resulted from increasing allowance of contract assets and receivables due to more loan facilitation volume during the period, plus substantial upfront provisions recognized for the risk-taking model assets in the fourth quarter of 2025 required by accounting standards, along with a higher-risk asset profile and lower fee rates in the loan facilitation business under new regulations. The short-term impact of accounting standards on earnings should normalize as the risk-taking loan balance stabilizes.Adjusted EBITDA (non-GAAP) in 2025 was a loss of RMB109.6 million (US$15.7 million), compared to a gain of RMB1,776.2 million in 2024.Basic and diluted income per ADS in 2025 were RMB0.4670 (US$0.0668) and RMB0.4640 (US$0.0664), respectively, compared to RMB18.2654 and RMB18.1132, respectively, in 2024.Net cash generated from operating activities in 2025 was RMB686.7 million (US$98.2 million), compared to RMB1,424.1 million in 2024.Net cash used in investing activities in 2025 was RMB1,554.6 million (US$222.3 million), compared to RMB3,113.1 million in 2024.Net cash provided by financing activities in 2025 was RMB662.6 million (US$94.8 million), compared to RMB277.2 million used in financing activities in 2024.Dividend PolicyUnder the Company's semi-annual dividend policy, the Board has determined to temporarily suspend the Company's cash dividend for the second half of 2025. This decision reflects the Company's current capital priorities, including maintaining appropriate reserves to support potential credit fluctuations in its lending business and funding investments in technology development. The Board periodically reviews the Company's capital requirements, financial condition and results of operations when considering future dividend declarations.Non-GAAP Financial MeasuresIn evaluating the business, the Company considers and uses several non-GAAP financial measures, such as adjusted EBITDA and adjusted EBITDA margin as supplemental measures to review and assess operating performance. We believe these non-GAAP measures provide useful information about our core operating results, enhance the overall understanding of our past performance and prospects and allow for greater visibility with respect to key metrics used by our management in our financial and operational decision-making. The presentation of these non-GAAP financial measures is not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with accounting principles generally accepted in the United States of America ("U.S. GAAP"). The non-GAAP financial measures have limitations as analytical tools. Other companies, including peer companies in the industry, may calculate these non-GAAP measures differently, which may reduce their usefulness as a comparative measure. The Company compensates for these limitations by reconciling the non-GAAP financial measures to the nearest U.S. GAAP performance measure, all of which should be considered when evaluating our performance. See "Operating Highlights and Reconciliation of GAAP to Non-GAAP measures" at the end of this press release.Currency ConversionThis announcement contains currency conversions of certain RMB amounts into US$ at specified rates solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to US$ are made at a rate of RMB6.9931 to US$1.00, the effective noon buying rate on December 31, 2025, as set forth in the H.10 statistical release of the Federal Reserve Board.Conference CallYiren Digital's management will host an earnings conference call at 8:00 a.m. U.S. Eastern Time on March 19, 2026 (or 8:00 p.m. Beijing/Hong Kong Time on March 19, 2026).Participants who wish to join the call should register online in advance of the conference at:
https://dpregister.com/sreg/10207200/1036f9b7260.Once registration is completed, participants will receive the dial-in details for the conference call.Additionally, a live and archived webcast of the conference call will be available at:
https://ir.yiren.com.Safe Harbor StatementThis press release contains forward-looking statements. These statements constitute "forward-looking" statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond Yiren Digital's control. Forward-looking statements involve risks, uncertainties, and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to Yiren Digital's ability to attract and retain borrowers and investors on its marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, PRC regulations and policies relating to the peer-to-peer lending service industry in China, general economic conditions in China, and Yiren Digital's ability to meet the standards necessary to maintain the listing of its ADSs on the NYSE or other stock exchange, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in Yiren Digital's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and Yiren Digital does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law.About Yiren DigitalYiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. With the successful filing of the in-house developed Large Language Model Zhiyu, the substantial upgrade of its Magicube Agent platform, Yiren Digital is establishing a new growth engine to position itself as an AI-powered next-generation fintech leader. For more information, please visit https://ir.yiren.com. [1] "Repeat borrowers' loan amount" refers to the proportion of total loan facilitation and origination volume through Yixianghua platform in a given period that is generated by borrowers who have previously completed at least one successful drawdown during that period.[2] "The risk-taking model" refers to the framework in which Yiren Digital assumes the credit risk for the loans facilitated on its platform.[3] "Adjusted EBITDA" is a non-GAAP financial measure. For more information on this non-GAAP financial measure, please see the section of "Operating Highlights and Reconciliations of GAAP to Non-GAAP Measures" and the table captioned "Reconciliations of Adjusted EBITDA" set forth at the end of this press release.[4] "Delinquency rates" refers to the outstanding principal balance of loans that were 1-30 days, 31-60 days and 61-90 days past due as a percentage of the total performing outstanding principal balance of loans as of a specific date. Loans originating outside mainland China are not included in the calculation. We define a performing loan as one that is being repaid according to the agreed terms and has not become delinquent for more than 90 days. Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages)
For the Three Months Ended 
For the Year Ended 
December 31,
2024
September 30,
2025
December 31,
2025
December 31,
2025
December 31,
2024
December 31,
2025
December 31,
2025
RMB
RMB
RMB
USD
RMB
RMB
USDNet revenue:












Loan facilitation services748,663
611,859
5,734
820
2,721,389
2,234,571
319,539Post-origination services1,474
2,617
(7,569)
(1,082)
5,957
7,255
1,038Guarantee services206,766
458,363
612,283
87,555
429,299
1,705,985
243,953Financing services31,551
67,850
67,541
9,658
93,239
243,099
34,763Insurance brokerage services106,387
84,228
83,768
11,979
408,369
297,593
42,555Electronic commerce services292,678
32,555
14,405
2,060
1,865,621
324,996
46,474Network and marketing services*61,804
222,032
151,619
21,681
241,114
636,277
90,986Technology services*1,470
70,646
26,555
3,797
33,570
256,323
36,654Others* 1,400
4,814
3,294
471
7,343
13,121
1,876Total net revenue1,452,193
1,554,964
957,630
136,939
5,805,901
5,719,220
817,838Operating costs and expenses:












Sales and marketing298,458
331,758
206,058
29,466
1,196,429
1,159,934
165,868Origination,servicing and other operating costs197,232
149,911
250,878
35,875
882,957
786,386
112,452Research and development164,703
91,514
121,406
17,361
411,876
406,567
58,138General and administrative42,232
104,420
44,250
6,328
274,673
323,369
46,241Allowance for contract assets, receivables and others203,090
229,355
295,798
42,298
523,622
892,656
127,648Provision for contingent liabilities250,691
459,783
1,110,124
158,746
869,280
2,366,344
338,383Total operating costs and expenses1,156,406
1,366,741
2,028,514
290,074
4,158,837
5,935,256
848,730Other income/(loss):












Investment income7,356
3,791
1,047
150
19,168
9,055
1,295Interest income23,863
19,704
14,473
2,070
86,309
78,764
11,263Fair value adjustments gain/(loss)16,935
161,328
(84,917)
(12,143)
107,532
46,053
6,585Others, net(1,353)
644
12,821
1,833
1,848
28,223
4,036Total other income/(loss)46,801
185,467
(56,576)
(8,090)
214,857
162,095
23,179Income/(loss) before provision for income taxes342,588
373,690
(1,127,460)
(161,225)
1,861,921
(53,941)
(7,713)Share of results of equity investees(440)
-
-
-
(440)
(4,560)
(652)Income tax expense/(benefit)10,702
56,053
(245,303)
(35,078)
279,182
(99,027)
(14,160)Net income/(loss)331,446
317,637
(882,157)
(126,147)
1,582,299
40,526
5,795













Weighted average number of ordinary shares outstanding, basic172,723,644
174,179,898
174,286,897
174,286,897
173,256,348
173,575,410
173,575,410Basic income/(loss) per share1.9189
1.8236
(5.0615)
(0.7238)
9.1327
0.2335
0.0334Basic income/(loss) per ADS3.8378
3.6472
(10.1230)
(1.4476)
18.2654
0.4670
0.0668













Weighted average number of ordinary shares outstanding, diluted173,727,886
175,153,288
175,292,459
175,292,459
174,711,569
174,684,691
174,684,691Diluted income/(loss) per share1.9078
1.8135
(5.0325)
(0.7196)
9.0566
0.2320
0.0332Diluted income/(loss) per ADS3.8156
3.6270
(10.0650)
(1.4392)
18.1132
0.4640
0.0664













Unaudited Condensed Consolidated Cash Flow Data












Net cash generated from/(used in) operating activities373,038
(5,484)
(197,645)
(28,263)
1,424,082
686,745
98,203Net cash (used in)/provided by investing activities(32,948)
(707,599)
50,800
7,264
(3,113,115)
(1,554,589)
(222,303)Net cash (used in)/provided by financing activities(114,341)
529,732
(234,140)
(33,482)
(277,226)
662,604
94,751Effect of foreign exchange rate changes15,020
(10,449)
(7,989)
(1,142)
9,212
(25,483)
(3,644)Net increase/(decrease) in cash, cash equivalents and restricted cash240,769
(193,800)
(388,974)
(55,623)
(1,957,047)
(230,723)
(32,993)Cash, cash equivalents and restricted cash, beginning of period3,860,788
4,453,608
4,259,808
609,145
6,058,604
4,101,557
586,515Cash, cash equivalents and restricted cash, end of period4,101,557
4,259,808
3,870,834
553,522
4,101,557
3,870,834
553,522* Given the Company's diversified revenue streams, Network and marketing services and Technology services are now separately presented from Other revenue, with the remaining balance classified as
Others. Comparative figures for the prior period have been restated.  Unaudited Condensed Consolidated Balance Sheets (in thousands)
As of

December 31,
2024
September 30,
2025
December 31,
2025
December 31,
2025

RMB
RMB
RMB
USD








        Cash and cash equivalents
3,841,284
3,864,891
3,348,126
478,776        Restricted cash
260,273
394,917
522,708
74,746        Accounts receivable
566,541
796,551
753,463
107,744        Guarantee receivable
474,132
715,996
832,905
119,104        Contract assets, net
1,008,920
1,227,236
619,291
88,557        Contract cost
294
6,936
4,287
613        Prepaid expenses and other assets
2,361,585
2,672,111
1,848,697
264,360        Loans at fair value
421,922
473,570
342,895
49,033        Financing receivables
17,515
1,061,080
909,182
130,011        Amounts due from related parties
3,387,952
3,101,835
2,974,080
425,288        Financial investments
437,203
498,766
483,700
69,168        Equity investments
9,239
4,633
11,528
1,649        Property, equipment and software, net
78,678
84,867
50,403
7,208        Crypto assets
-
333,530
391,267
55,950        Deferred tax assets
77,463
173,182
325,094
46,488        Right-of-use assets
39,695
40,257
37,329
5,338Total assets
12,982,696
15,450,358
13,454,955
1,924,033        Accounts payable
43,167
50,401
79,630
11,387        Amounts due to related parties
129,629
51,826
44,179
6,317        Guarantee liabilities-stand ready
606,886
929,970
989,701
141,525        Guarantee liabilities-contingent
578,797
874,717
1,300,097
185,911        Deferred revenue
9,479
335
227
33        Payable to investors at fair value
368,022
1,392,631
1,294,792
185,153        Accrued expenses and other liabilities
1,622,050
1,656,601
404,680
57,869        Deferred tax liabilities
41,471
108,404
30,619
4,379        Lease liabilities
40,765
42,596
39,758
5,685Total liabilities
3,440,266
5,107,481
4,183,683
598,259        Ordinary shares
132
133
133
19        Additional paid-in capital
5,198,457
5,229,667
5,239,550
749,246        Treasury stock
(170,463)
(170,686)
(170,686)
(24,408)        Accumulated other comprehensive income
79,268
70,603
10,722
1,533        Retained earnings
4,435,036
5,213,160
4,191,553
599,384Total equity
9,542,430
10,342,877
9,271,272
1,325,774Total liabilities and equity
12,982,696
15,450,358
13,454,955
1,924,033  Operating Highlights and Reconciliation of GAAP to Non-GAAP Measures(in thousands, except for number of  borrowers, number of insurance clients, cumulative number of insurance clients and percentages)

For the Three Months Ended 
For the Year Ended 

December 31,
2024
September 30,
2025
December 31,
2025
December 31,
2025
December 31,
2024
December 31,
2025
December 31,
2025

RMB
RMB
RMB
USD
RMB
RMB
USDOperating Highlights













Amount of loans facilitated 
15,352,533
20,166,545
12,038,386
1,721,466
53,591,593
67,790,653
9,693,935Number of borrowers
1,560,789
1,335,978
742,444
742,444
4,187,502
3,513,192
3,513,192Remaining principal of performing loans 
24,755,199
34,235,130
28,574,962
4,086,165
24,755,199
28,574,962
4,086,165Cumulative number of insurance clients
1,532,119
1,853,435
2,035,550
2,035,550
1,532,119
2,035,550
2,035,550Number of insurance clients
83,786
229,353
267,730
267,730
296,842
589,756
589,756Gross written premiums
1,100,262
1,147,966
860,106
122,994
4,424,889
3,659,950
523,366First year premium
475,285
443,189
469,498
67,138
2,078,190
1,765,537
252,469Renewal premium
624,977
704,777
390,608
55,856
2,346,699
1,894,413
270,897














Segment Information




























Credit solution business:













Revenue
1,047,768
1,423,231
832,728
119,078
3,473,109
5,040,026
720,714Sales and marketing expenses
290,253
322,184
156,400
22,365
1,102,737
1,071,892
153,279Origination, servicing and other operating costs
123,585
87,322
182,160
26,049
442,312
515,722
73,747Allowance for contract assets, receivables and others
200,755
226,267
296,962
42,465
519,895
891,601
127,497Provision for contingent liabilities
250,691
459,783
1,110,124
158,746
869,280
2,366,344
338,383














Insurance brokerage business:













Revenue
106,387
84,228
83,768
11,979
408,369
297,593
42,555Sales and marketing expenses
2,333
2,077
1,639
234
13,706
9,242
1,321Origination, servicing and other operating costs
69,518
61,142
65,651
9,388
407,225
260,916
37,311Allowance for contract assets, receivables and others
241
677
(1,242)
(178)
(663)
(579)
(83)














Others:













Revenue
298,038
47,505
41,134
5,882
1,924,423
381,601
54,569Sales and marketing expenses
5,872
7,497
48,019
6,867
79,986
78,800
11,268Origination, servicing and other operating costs
4,129
1,447
3,067
438
33,420
9,748
1,394Allowance for contract assets, receivables and others
(756)
34
(1)
-
908
(1,916)
(274)














Reconciliation of Adjusted EBITDA













Net income/(loss)
331,446
317,637
(882,157)
(126,147)
1,582,299
40,526
5,795Interest income and investment income, net
(31,219)
(23,495)
(15,520)
(2,220)
(105,477)
(87,819)
(12,558)Income tax expense/(benefit)
10,702
56,053
(245,303)
(35,078)
279,182
(99,027)
(14,160)Depreciation and amortization
2,574
3,252
4,758
681
8,893
12,950
1,852Share-based compensation
350
14,439
6,662
953
16,928
30,220
4,321Fair value adjustments related to crypto assets and financial investment
5,663
(131,101)
108,777
15,555
(5,623)
(6,479)
(927)Adjusted EBITDA
319,516
236,785
(1,022,783)
(146,256)
1,776,202
(109,629)
(15,677)Adjusted EBITDA margin
22.0 %
15.2 %
-106.8 %
-106.8 %
30.6 %
-1.9 %
-1.9 %  Delinquency Rates

1-30 days
31-60 days
61-90 days






December 31, 2022
1.7 %
1.2 %
1.1 %December 31, 2023
2.0 %
1.4 %
1.2 %December 31, 2024
1.6 %
1.2 %
1.1 %March 31, 2025
1.6 %
1.2 %
1.2 %June 30, 2025
1.7 %
1.1 %
1.0 %September 30, 2025
2.7 %
1.7 %
1.4 %December 31, 2025
3.4 %
3.0 %
2.8 %  
90+ Days Delinquency Rates by Vintage*Loan Issued
Period
Month on Book

46810121416182022242022Q1
0.6 %2.0 %3.1 %3.9 %4.5 %4.7 %4.6 %4.6 %4.5 %4.5 %4.4 %2022Q2
0.5 %1.7 %2.9 %3.7 %4.2 %4.4 %4.3 %4.3 %4.2 %4.2 %4.1 %2022Q3
0.5 %2.1 %3.4 %4.2 %4.7 %5.0 %4.9 %4.9 %4.8 %4.7 %4.7 %2022Q4
0.7 %2.5 %3.8 %4.8 %5.5 %5.8 %5.8 %5.7 %5.6 %5.5 %5.4 %2023Q1
0.5 %2.3 %3.9 %5.0 %5.8 %6.1 %6.0 %5.9 %5.8 %5.7 %5.6 %2023Q2
0.6 %2.8 %4.7 %6.1 %6.8 %7.1 %7.0 %6.9 %6.8 %6.7 %6.6 %2023Q3
0.8 %3.5 %5.6 %7.0 %7.7 %7.9 %7.9 %7.7 %7.6 %7.5 %7.5 %2023Q4
0.7 %3.4 %5.6 %6.8 %7.4 %7.6 %7.6 %7.4 %7.3 %7.3 %7.2 %2024Q1
0.6 %3.0 %4.8 %5.9 %6.6 %6.8 %6.8 %6.7 %6.6 %6.7 %
2024Q2
0.6 %2.4 %4.0 %5.1 %5.8 %6.1 %6.1 %6.0 %6.1 %

2024Q3
0.5 %2.2 %3.7 %4.7 %5.4 %5.8 %5.7 %



2024Q4
0.6 %2.2 %3.8 %4.9 %5.9 %6.1 %




2025Q1
0.6 %2.3 %4.2 %5.5 %






2025Q2
0.8 %3.5 %5.5 %







2025Q3
1.0 %









*The 90+ days delinquency rate by vintage refers to the outstanding principal balance of loans facilitated over a
specified period that are more than 90 days past due, as a percentage of the total loans facilitated during that same
period. Loans originating outside mainland China are excluded from the calculation. 



View original content:https://www.prnewswire.com/news-releases/yiren-digital-reports-fourth-quarter-and-fiscal-year-2025-financial-results-302718638.htmlSOURCE Yiren Digital

Original: Yiren Digital Reports Fourth Quarter and Fiscal Year 2025 Financial Results

Yiren Digital to Report Fourth Quarter and Full Year 2025 Financial Results on March 19, 2026March 11, 2026 5:00 AM
PR Newswire (US)

BEIJING, March 11, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, announced that it plans to release its unaudited financial results for the fourth quarter and full year ended December 31, 2025 before U.S. market opens on Thursday, March 19, 2026.Yiren Digital's management will host an earnings conference call at 8:00 a.m. U.S. Eastern Time on March 19, 2026 (or 8:00 p.m. Beijing/Hong Kong Time on March 19, 2026).Participants who wish to join the call should register online in advance of the conference at: https://dpregister.com/sreg/10207200/1036f9b7260.Once registration is completed, participants will receive the dial-in details for the conference call.Additionally, a live and archived webcast of the conference call will be available at https://ir.yiren.com.About Yiren DigitalYiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. With the successful filing of the in-house developed Large Language Model Zhiyu, the substantial upgrade of its Magicube Agent platform, Yiren Digital is establishing a new growth engine to position itself as an AI-powered next generation fintech leader. For more information, please visit https://ir.yiren.com.



View original content:https://www.prnewswire.com/news-releases/yiren-digital-to-report-fourth-quarter-and-full-year-2025-financial-results-on-march-19-2026-302710637.htmlSOURCE Yiren Digital

Original: Yiren Digital to Report Fourth Quarter and Full Year 2025 Financial Results on March 19, 2026

company is buying back shares. i dont know if it is in prep for delisting or listing somewhere else or for triggering a squeeze.. but they are holding up the bid and buying back

i wish my money wasnt in jail. id go all in here.. very bullish..this one is the goose ,,,

one filing away from double digits or back to .70

yeah im up 19 bucks

back in after yesterdays monster flip this time 430 shares hahahahaha..the nickel dimer rides again..give me .25 cents on jolly john john in the 5th at yonkers woo hoo

got 425 shares.. big time...hahahaha have a great day

Good Discounted cash flow fair value (44 $ more or less), Looking for a Entry soon but unfortunately it has broken the wedge pattern...
link for a OneMinute Video analysis

$YRD $4.31X$4.36 FEELS LIKE A SQUEEZE IS IN MOTION.. GIDDY UP ^

CALIFORNIACHASE

Anyone still around? I am long and down. Wondering if I should take my loss. Would love to hear any insights.

What happened here??

50% upside potential https://themarketisopen.com/posts/macquarie-begins-covering-yirendai-ltd-yrd-stock-shares-to-hit-60

Outperform Candidate https://postanalyst.com/2017/11/27/have-stock-gurus-now-turned-sour-on-yirendai-ltd-yrd-pareteum-corporation-teum/

YRD buy 30.3185

bull flag breakout









normal chart




log chart