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Yixin Group Limited (2858) investor relations material
Yixin Group Limited H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary19 Aug, 2025
Executive summary
Revenue rose 22% year-over-year to RMB5.45 billion for H1 2025, with net profit up 34% to RMB549 million, driven by strong SaaS and used car financing growth.
Gross profit increased 36% to RMB2.89 billion, and operating profit climbed 39% to RMB800 million, reflecting improved margins and business mix.
Total auto financing transactions reached 364,000 (+11% YoY), with used vehicle financing up 45% to 222,000 and new vehicle financing down 19% to 142,000.
FinTech (SaaS) business revenue surged 124% YoY to RMB1.87 billion, facilitating RMB15.3 billion in financing (+58% YoY) and now accounting for 46.7% of total financing.
Asset management scale grew to RMB112.1 billion, with a stable 90+ days past due ratio of 1.86%.
Financial highlights
Revenue: RMB5,452 million (+22% YoY); gross profit: RMB2,886 million (+36% YoY); gross margin: 53% (up from 48%).
Net profit: RMB549 million (+34% YoY); adjusted net profit: RMB648 million (+28% YoY).
Operating profit: RMB800 million (+39% YoY); adjusted operating profit: RMB908 million (+33% YoY).
SaaS services revenue: RMB1,873 million (+124% YoY); loan facilitation services revenue: RMB1,421 million (-24% YoY).
Self-operated financing business revenue: RMB1,106 million (+16% YoY).
Outlook and guidance
Management expects continued robust business scale growth and market share expansion, leveraging digital transformation, AI innovation, and pro-consumption policies.
FinTech and NEV segments remain strategic priorities, with further product and technology upgrades planned.
Overseas expansion to continue, targeting more Asian markets with proven business models.
How does XinMM-AM1 improve auto finance?
What drove SaaS revenue growth to 124%?
What factors stabilized 90+ days past due ratio?
How does Yixin ensure asset safety?
Elaborate on Yixin's anti-involution strategy.
Quantify AI's impact on credit assessment.
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Next Yixin Group Limited earnings date
H2 202526 Feb, 2026
Next Yixin Group Limited earnings date
H2 202526 Feb, 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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