Yiren Digital Ltd. · NYSE:YRD
Yiren Digital — Q3 2025 Earnings Presentation
23 slides from Yiren Digital's earnings presentation, November 2025
Slide 1: Yiren Digital Investor Presentation
Yiren Digital (NYSE: YRD) Investor Presentation November 2025
Slide 2: Disclaimer
Disclaimer This presentation has been prepared by Yiren Digital solely for information purposes. This presentation does not constitute an offer to sell or issue or an invitation or recommendation to purchase or subscribe for any securities of the Company for sale in the United States or anywhere els
Slide 3: Company Overview
01 Company Overview
Slide 4: Yiren Digital Overview
Yiren Digital Overview (NYSE: YRD) • Listed in 2015 with 19 years of expertise in lending technology, backed by a proven track record of success • A robust financial foundation supported by steady cash flow from the core lending business, fast growing internet insurance business and the next generat
Slide 5: Investment Highlights
Investment Highlights Established AI-powered Financial Service Platform Serving China and Southeast Asia Compelling Growth Drivers Advantageous Market Position • Domestic: Strong demand for small revolving loans; • Premium borrower focus — 77% repeat borrowing in deepening penetration in underserved
Slide 6: AI-Driven Financial Service Platform Delivering High Growth, Low Risk and Global Scalability
AI-Driven Financial Service Platform Delivering High Growth, Low Risk and Global Scalability Financial Services Insurance Brokerage Growth Engine, Steady Growth Cross-Sell Driver, Rebounding • Rev. RMB1.4B in Q3 2025, +70% YoY • Annualized premiums of internet • Loan facilitated +51% YoY insurance p
Slide 7: Financial Services
• Target demographics: High-quality borrowers (stable income Financial and self-employed individuals) comprising a potential borrower pool of 734 million. Services • Digital-first approach: Leveraging digital channels and partnerships to broaden traffic channel mix, increasing customer A Steady Grow
Slide 8: Scaling High Quality Borrower Growth Through Precision AI
Scaling High Quality Borrow Growth Through Precision AI Target Marketing, Omni-Channel Client Acquisition Target Customers Omni-customer acquisition Channels • 100mn+ borrowers served 1 • Social media marketing • Mainly aged 25-40 • E-commerce & life service platforms • Stable salary or self-employe
Slide 9: Seamless Finance and Technology Integration
Seamless Finance and Technology Integration Data Marketing Content Channel Experience Risk Customers Optimization 800 million+ AI generated lines of personalized 19 years of 1.4% default 100 million+ proprietary text, voice lending rate D61-90 registered users and video data experience delinquent Ri
Slide 10: Strong Risk Management Capabilities
Strong Risk Management Capabilities Extensive • 19 years of experience and data accumulation in the credit-tech business Data Collection • Over 100 million of registered users, and comprehensive customers’ database spanning millions of customer profiles • Robust capability to interpret data across e
Slide 11: Overseas Expansion Driving Growth
Overseas Expansion Driving Growth Overseas market is expected to contribute 4% revenue in 2025 and >10% in 2026 Covering 1.8 billion population in Asia • Launched worker salary credit product in 2023 Philippines • >100% growth in origination and revenue growth • Cash flow positive after 14 months •
Slide 12: AI-Driven Technology Services
Enterprise-Grade AI Leadership, Enhancing Marketing and Customer Engagement AI-Driven • Zhiyu (智语) LLM officially approved in Apr 2025; built in-house for document understanding, reasoning, automation Technology • Powers meeting management, high-fidelity translation, legal contract review, tax-form
Slide 13: Insurance Brokerage Business Overview
Insurance Brokerage Business Overview Driving Insurance Growth Through Diversification and Digital Innovation Traditional Brokerage Business Internet Insurance • 450+ agents • Low customer acquisition cost, low claim customer base, zero commission cost • 30+ branches nationwide • Q3 2025 annualized
Slide 14: Strong Business Synergies: Internet Insurance
Strong Business Synergies: Internet Insurance Annualized Premium (In million RMB) Accelerated Growth in Q3 2025 1Q25 2Q25 3Q25 Differentiated Operations and AI Advancement • Business Performance in 3Q25: 196 - Annualized premium reached RMB196 million, up 204% QoQ; - Revenue reached RMB24 million, a
Slide 15: Market Overview & Growth Strategy
02 Market Overview & Growth Strategy
Slide 16: China's Consumer Finance Market
China's Consumer Finance Market Market Outlook Key Growth Drivers • Total consumer credit market (excluding mortgage) in China in 2024 was RMB 21 trillion. • Lending sector through online platforms: Policy Tailwinds from the government ▪ rise 7.6% in 2025 from last year to stimulus programs will inc
Slide 17: Yiren's Growth Roadmap
Yiren’s Growth Roadmap Build on Solid International Growth AI Advancement Next Generation Fintech Fundamentals • Develop Next Drive steady domestic Generation Fintech • Accelerated strategic • Personalized customer growth driven by platform based on AI partnership in experiences with government’s st
Slide 18: Key Financial Highlights
03 Key Financial Highlights
Slide 19: Stable Volume Growth Supported by Expanded Borrower Pool
Stable Volume Growth Supported by Expanded Borrower Pool Number of Borrowers Loans Facilitated 1,637,912 3Q25: Million RMB 1,560,789 1,491,7561,498,020 +51% YoY 1,375,406 1,371,501 20,348 20,166 20,167 1,352,200 1,335,978 1,204,012 1,013,972 15,353 15,238 12,936 13,393 11,646 11,910 9,814 8,156 2Q23
Slide 20: Solid Dynamics of New and Repeat Borrowing on Yixianghua Platform
Solid Dynamics of New and Repeat Borrowing on Yixianghua Platform First time borrowing Repeated borrowing 23% 23% 26% In H2 2024, the company 33% 35% 41% 44% 39% implemented a full scope customer 45% 45% segmentation strategy to optimize credit quality and new customer conversion. In Q3 2025, 77% of
Slide 21: Manageable Delinquency Rates
Manageable Delinquency Rates Delinquency rate increased in Q3 2025 amid the continuous industry-wide headwinds in asset quality. 1-30 days 31-60 days 61-90 days 2.7% 2.0% 2.0% 1.7% 1.7% 1.6% 1.5% 1.4% 1.4% 1.3% 1.2% 1.2% 1.2% 1.2% 1.1% 1.1% 0.7% 0.6% FY20 FY21 FY22 FY23 FY24 3Q25 21
Slide 22: Key Financial Results
Key Financial Results Revenue Net Income RMB million RMB million 1,652 554 571 1,555 1,555 527 1,497 1,479 1,452 1,311 1,274 486 1,324 1,378 410 355 358 331 318 248 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 The decline in net income and margi
Slide 23: THANKS!
THANKS! Yiren Digital (NYSE: YRD) For more information, please contact our IR team at Overseas: William Hui williamhui@creditease.hk China: Zoya Ji huiyuanji@creditease.cn Welcome to follow us on LinkedIn & X @Yiren Digital Ltd.