#China #Beijing #Yiren Digital #AI Financial Services #Q2 2025 Results

Yiren Digital Reports Strong Financial Growth for Q2 2025

Yiren Digital Ltd. (NYSE: YRD), a leading AI-powered financial services platform in Asia, has announced its financial results for the second quarter ended June 30, 2025. The company has demonstrated significant advancement across its operational metrics, highlighting a robust recovery and ongoing growth in its business.

Key Operational Highlights

In the second quarter of 2025, Yiren Digital facilitated total loans amounting to approximately RMB 20.3 billion (about USD 2.8 billion). This figure marks a substantial increase of 34% from RMB 15.2 billion in the first quarter of 2025 and a remarkable 57% rise when compared to RMB 12.9 billion from the same quarter in the previous year. The total number of borrowers served reached 13,536,838 by the end of June 2025, a 5% increase from March 31, 2025, and up by 25% compared to June 30, 2024.

The growth can be attributed to significant demand for the company’s small revolving loan products, which served 1,637,912 borrowers in the second quarter—a 19% increase over the previous quarter and a 10% rise year-on-year. The performing loans outstanding balance was RMB 31.2 billion, representing a 14% growth from March 31, 2025, and a significant increase from RMB 21.8 billion in the same quarter of 2024.

Insurance Brokerage Performance

Yiren Digital's insurance brokerage division reported gross written premiums of RMB 850.1 million (USD 118.7 million) in Q2 2025. Although this reflects a 6% increase from the previous quarter, it is a 20% decrease compared to RMB 1,060.9 million in the same period last year, primarily due to adjustments in response to regulatory changes that have affected product sales.

Strategic Focus and Future Outlook

Chairman and CEO Mr. Ning Tang emphasized, "We are delighted to present another successful quarter, driven by our commitment to leveraging AI technology. Our innovative strategy remains focused on personalized customer engagement, efficient risk management, and service optimization. These efforts are critical as we navigate market dynamics and continue to expand our operational capacity."

Mr. William Hui, the CFO, added, "Our second quarter results not only reflect recovery from prior declines but also indicate our operational resilience. We are witnessing substantial revenue growth that reinforces our competitive edge in the financial services sector. Our efforts in enhancing our technology platform and expanding our service offerings are crucial as we continue pursuing long-term objectives."

Yiren Digital's total net revenue for the second quarter reached RMB 1,652.1 million (approximately USD 230.6 million), an increase of 10% from RMB 1,496.5 million in the same quarter of 2024. The financial services segment alone generated RMB 1,489.6 million, showcasing an impressive 75% increase year-on-year.

Additionally, Yiren Digital plans to distribute a semi-annual cash dividend of USD 0.22 per American depositary share for the first half of 2025, further demonstrating confidence in its financial stability.

In light of these results, the company estimates that the revenue for the third quarter of 2025 may range between RMB 1.4 billion and RMB 1.6 billion, driven by continued loan growth and market penetration in new customer segments.

Conclusion

As Yiren Digital continues to harness its advanced AI capabilities and expand its product offerings, it is well-positioned in the rapidly evolving financial landscape of Asia. The company's strategic focus on innovation, operational excellence, and geographic expansion is set to further solidify its place as a leading provider of financial services in the region.

Stay tuned for more updates as Yiren Digital navigates through the challenges and opportunities ahead in the financial technology space.