Yirendai Stock Earnings Reports

Yiren Digital reported a solid Q2 2025 driven by its AI-first strategy and stronger loan facilitation volume. Key financials: total revenue rose 10.4% year-on-year to RMB 1.65 billion; net income rebounded to RMB 358 million (up 44.5% quarter-on-quarter); and loan facilitation volume increased 57% year-on-year to RMB 20.3 billion. Repeat borrowers now account for 77% of loan volume, reflecting improved customer stickiness and credit mix. Management cited multiple measurable AI wins — from personalized marketing and faster capital deployment to fraud detection and AI-driven collections — which materially improved conversion rates, productivity and cost savings. Asset quality is stable overall: 1–30 day delinquency ticked up modestly to 1.7% but 31–60 and 61–90 day delinquencies improved versus Q1; tightened credit policies and an upgraded 8-level risk rating system helped contain deterioration. Funding costs eased 80 bps year-over-year but showed slight quarter-on-quarter volatility amid new loan facilitation rules; management expects manageable capital costs and possible industry consolidation that could favor larger, compliant platforms. Other operational notes: insurance brokerage is recovering slowly (Q2 premiums ~RMB 850 million) while digital insurance is scaling rapidly (103% quarter-on-quarter gross premium growth to RMB 8.3 million). Overseas business gained momentum (Philippines loan volume up 54% QoQ; Indonesia pilot underway). Management announced a cash dividend of USD 0.22 per ADS (payable ~Oct 15, 2025) and guided Q3 revenue to RMB 1.4–1.6 billion. The company is exploring crypto and blockchain applications for strategic/treasury purposes and is winding down non-core consumption/lifestyle operations to focus on financial services.