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Yiren Digital (YRD) investor relations material
Yiren Digital Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Aug, 2025
Executive summary
Achieved strong operational and financial performance in Q2 2025, with a return to profitability growth after five quarters of decline, driven by an advanced AI-powered strategy and international expansion.
Leveraged 19 years of lending technology expertise and a robust AI platform, focusing on premium borrowers and resilient markets in China and Southeast Asia.
Cumulative borrowers served rose 25% year-over-year to 13.5 million, with 1.64 million borrowers served in Q2 2025, up 10% year-over-year.
Strategic focus on AI innovation, geographic expansion, and operational excellence accelerated business momentum and unlocked new opportunities.
Financial highlights
Total net revenue for Q2 2025 was RMB1,652.1 million, up 10% year-over-year; financial services revenue surged 75% year-over-year to RMB1,489.6 million, accounting for 90% of total revenue.
Net income rebounded to RMB357.5 million, up 44.5% quarter over quarter but down 12.7% year over year, mainly due to higher provisions under the risk-taking model.
Loan volume facilitated reached RMB20.3 billion, up 34% quarter over quarter and 57% year over year.
Cash and cash equivalents stood at RMB4,098.9 million as of June 30, 2025, supporting growth, M&A, and shareholder returns.
Net cash from operating activities was RMB411.2 million, up from RMB368.9 million year-over-year.
Outlook and guidance
Q3 2025 revenue projected between RMB1.4 billion and RMB1.6 billion, driven by loan growth in domestic and international markets and new customer segments.
Overseas revenue contribution expected to rise from 4% in 2025 to over 10% in 2026, with new market launches and strategic partnerships in Southeast Asia.
Expect continued revenue and margin growth from international business and digital insurance segments.
Anticipate manageable capital costs for the remainder of the year, supported by strong liquidity.
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Next Yiren Digital earnings date
Q3 202519 Nov, 2025
Next Yiren Digital earnings date
Q3 202519 Nov, 2025
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Frequently asked questions
Yiren Digital Ltd. is an AI-powered platform that provides a diverse array of financial and lifestyle services in China. The company offers personalized financial services, including credit facilitation and wealth management, leveraging advanced data analytics and artificial intelligence. Additionally, Yiren Digital operates in the insurance sector, offering a range of life and property insurance products tailored to individual and business needs. The platform also addresses various lifestyle needs, such as travel and wellness services, through a membership-based model. The company integrates intelligent customer service, marketing, and risk management to enhance user experience and operational efficiency. Yiren Digital is headquartered in Beijing, China, and its shares are listed on the NYSE.
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