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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
Achieved steady growth in H1 2025, with revenue rising 22% year-on-year to RMB5.45 billion and net profit up 34% to RMB549 million, driven by SaaS, FinTech, and used car financing expansion.
Cumulative automobile financing transactions exceeded RMB400 billion by February 2025, with 364,000 transactions (+11% YoY) and used vehicle financing accounting for 61% of total.
Strategic transformation focused on lightweight, tech-driven business models, AI empowerment, and rapid SaaS/FinTech growth.
Total auto finance assets under management reached RMB112.1 billion as of June 30, 2025.
FinTech (SaaS) business facilitated RMB15.3 billion in financing (+58% YoY), with revenue up 124% to RMB1.87 billion.
Financial highlights
Operating income/revenue reached RMB5.45 billion in H1 2025, up 22% year-on-year.
Net profit rose to RMB549 million, a 34% year-on-year increase.
Gross profit increased 36% to RMB2.89 billion, with gross margin improving to 53% from 48% a year ago.
Adjusted net profit was RMB648 million (+28% YoY); non-IFRS net profit RMB650 million.
Cash and cash equivalents increased 35% to RMB5.68 billion; total borrowings rose 5% to RMB28.4 billion.
Outlook and guidance
Management expects continued robust business scale growth, market share expansion, and improved profitability, leveraging digital transformation, AI, and smart electric vehicle trends.
Plans to expand AI agent deployment across the auto finance chain, targeting 95% pre-launch AI penetration and over 90% intelligence long-term.
Overseas expansion to continue, replicating Singapore's success in other Southeast Asian markets.
How does XinMM-AM1 improve auto finance?
What drove SaaS revenue growth to 124%?
What factors stabilized 90+ days past due ratio?
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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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