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Yixin Group
Yixin Group (2858) investor relations material
Yixin Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary5 Mar, 2026
Executive summary
Achieved record revenue of RMB 11.56 billion in 2025, up 17% year-over-year, with gross margin rising to 56% and adjusted net profit increasing 33% to RMB 1.43 billion.
SaaS (FinTech) revenue surged 150% to RMB 4.5 billion, now 39% of total revenue, and used car financing volume grew significantly.
Launched industry-first agentic AI model, XingMM-AM1, and expanded AI-driven risk management across the value chain.
International business achieved stable profitability in Singapore and rapid market entry in Malaysia, ranking top three among non-bank auto finance institutions.
Asset quality remained stable, with 90+ day delinquency rate at 1.89%.
Financial highlights
Revenue reached RMB 11.56 billion, surpassing RMB 10 billion for the first time, with gross margin improving from 47% to 56%.
Adjusted net profit was RMB 1.43 billion, up 33% year-over-year; non-IFRS net profit reached RMB 1.4 billion.
SaaS business accounted for 39% of total revenue, growing 1.5x year-over-year.
Operating profit rose 50% year-over-year to RMB 1.70 billion; adjusted operating profit reached RMB 2.04 billion, up 42%.
Cash and cash equivalents stood at RMB 4.51 billion.
Outlook and guidance
Plans to deepen AI agent strategy across pre-, in-, and post-financing stages, aiming for higher efficiency and risk control.
Targeting further international expansion in Southeast Asia, with Malaysia, Indonesia, Thailand, and Vietnam as next markets.
Aims to become market leader in Malaysia by 2026 and achieve profitability.
Dividend payout proposed at HK10.0 cents (final) and HK4.0 cents (special) per share, totaling ~RMB839 million.
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Next Yixin Group earnings date
H1 202618 Aug, 2026
Yixin Group
Next Yixin Group earnings date
H1 202618 Aug, 2026
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Frequently asked questions
Yixin Group Limited is a Chinese company that operates an online platform focused on automotive financing and related services. The company provides financing solutions, including auto loans and leasing options, for consumers and dealers, enabling easier access to vehicle ownership. Yixin’s platform connects financial institutions, car dealerships, and individual buyers, offering services such as loan facilitation, credit assessment, and digital car purchasing options. The company aims to support China’s automotive market with a focus on technology-driven solutions and customer convenience. The company is headquartered in Shanghai, China, and its shares are listed on the Hong Kong Stock Exchange.
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