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Yuanbao (YB) investor relations material
Yuanbao Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary3 Dec, 2025
Executive summary
Achieved 33.6% year-over-year revenue growth to RMB1,157.9 million and net income growth of 51.3% to RMB370.4 million, with 13 consecutive quarters of profitability.
Issued 8 million new policies, up 41.8% year-over-year, reflecting strong market demand and enhanced AI and data capabilities.
Deepened integration of AI and large language models (LLMs) into R&D, customer service, and product development, driving efficiency and innovation.
Expanded product offerings, including new short-term and hybrid critical illness insurance products, supporting user base growth.
Maintained strong cash reserves of RMB3.75 billion, supporting ongoing innovation and expansion.
Financial highlights
Total revenues for Q3 2025 reached RMB1,157.9 million, up 33.6% year-over-year.
Net income for Q3 2025 was RMB370.4 million, a 51.3% year-over-year increase.
Insurance distribution services revenue grew 27.9% YoY to RMB373.3 million; system services revenue rose 36.9% YoY to RMB783.5 million.
Non-GAAP adjusted net income for Q3 2025 was RMB390.0 million, up 51.7% year-over-year, with a margin of 33.7%.
Net cash provided by operating activities in Q3 2025 was RMB326.1 million.
Outlook and guidance
Management targets at least 30% revenue growth for 2025, with continued focus on profitability, operational efficiency, and AI-driven innovation.
Focus remains on scaling AI capabilities, deepening presence in inclusive health insurance, and maintaining financial discipline for sustainable long-term value.
AI's strategic roadmap for product innovation
Future growth in underserved health insurance
Yuanbao's competitive edge vs. ecosystem players?
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Q4 202517 Mar, 2026
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