Yixin Group Ltd. · HKEX:2858
Yixin — FY2025 Earnings Presentation
32 slides from Yixin's earnings presentation, March 2026
Slide 1: Yixin Group 2025 Annual Results Conference
Yixin Group 2025 Annual Results Conference March, 2026
Slide 2: Disclaimer
Disclaimer This presentation may contain forward-looking statements regarding Yixin Group Limited (the “Company” or “Yixin”) and its companies‘ forecasts, objectives, outlook, estimates of financial performance, opportunities, challenges, business developments, business plans, and growth strategies.
Slide 3: Contents
Contents Overview Business Financial Future Development Performance Strategy 3
Slide 4: Overview
01 Overview
Slide 5: Business Overview
Business Overview >450 Billion Accumulated financing amount Self-operated financing business ~5.5 Million Loan facilitation Accumulated financing services transactions New car finance 44,000+ Dealer partners SaaS services Used car finance An AI innovator in automotive 340+ Cities Covered finance tec
Slide 6: History and Milestones
History and Milestones Core business was Yixin Group (2858.HK ) Aftermarket (Value-added services ) gradually shifting from was successfully listed was officially launched. self-operated to loan on HKSE. Shanghai Yixin was facilitation. Used car business became established. strategic emphasis. 2020.
Slide 7: Industry Development – China's Automobile Market
Industry Development – China’s Automoblie Market New Passenger Vehicle Used Passenger Vehicle ✓ In January 2025, eight ministries, including the Ministry of Commerce and Sales in China Transactions in China the NDRC1, jointly issued the Notice on the Implementation of the 2025 Auto Trade-in Program,
Slide 8: Industry Development – Automobile Finance
Industry Development – Automoblie Finance Automotive Finance Market Size Structural Growth Drivers Trllion RMB Policy drivers: ✓ The “anti-involution” push is strengthening regulation of irrational competition, including high-interest/high-rebate deals and disorderly subsidies. ✓ Regulators continue
Slide 9: Business Development
02 Business Development
Slide 10: Operational Highlights
Operational Highlights Total Financing Used Car Fintech Financing Breakthrough Amount Financing Amount Amount Progress in AI 75.1 42.1 40.3 XinMM-AM1 Billion RMB Billion RMB Billion RMB Officially launched +9% +38% +58% in November 10 Source: Company Report
Slide 11: Business Development
Business Development Total Financing Transactions Leading-Player Concentration Continues 千台 to Strengthen New Car Used Car 844 As regulators tighten oversight and curbs disorderly 7% 726 16% competition(e.g. “high-interest, high-rebate”), the 678 industry environment has become healthier. Leveraging
Slide 12: Innovative FinTech Business (1/2)
Innovative FinTech Business (1/2) Auto Finance SaaS Technology Enablement Gaining Stronger Industry Recognition Solutions • Under the FinTech model, NEVs account for ~61% of new-car transactions. • In 2025, the Company won the “2025 FinTech Innovation Breakthrough Enterprise” award, highlighting bro
Slide 13: Innovative FinTech Business (2/2)
Innovative FinTech Business (2/2) Financing Amount for Fintech Business Revenue Billion Yuan Technology combined with traffic services Million Yuan Technology-based 5,000 4,501 91% 4.03 8% 4,000 150% 107% 3,000 290% 92% 2.11 2,000 1,804 1.02 1,000 463 0 2023 2024 2025 2023 2024 2025 Number of Total
Slide 14: Abundant Value-added Services
Abundant Value-added Services Transactions of ‘Rights and Revenue Interests Package’ 1 Million Yuan Thousand 8% 401 RATE2 249 249 373 Battery Vehicle GAP Damage Compensation 2024 2025 Providing Full-Cycle Services Around Customer Needs Transactions of Battery GAP GAP Insurance Thousand 73.9 Coverage
Slide 15: End-to-End Intelligent Risk Management
End-to-End Intelligent Risk Management Asset Management Automatic Audit, Results in Seconds Algorithm Strategy Engine Model Lifecycle XGBoost Deep 45+ Management Online One-stop Verification AutoML Learning Models Automated Approval Rate reached to 63% Data Nearly 8.5 Value 1000+ Multi-dimensional 1
Slide 16: Agentic AI–Driven Productivity Upgrade
Agentic AI–Driven Productivity Upgrade AI Agent Technology Foundation Silicon-Based Almond (AI Employee) Industry Pain Points ✓ High lead volumes and high costs for manual AI Penetration outbound calls Rising ✓ Inconsistent scripts, driving volatile conversion Pre-financing Agentization Traditional
Slide 17: Promoting Industry Growth & Social Responsibility
Promoting Industry Growth & Social Responsibility Long-term mechanisms Enhanced risk identification capabilities Award-Winning Achievements Empowering Inclusive Finance Leading Industry Development ➢ In September 2025, the Company won ➢ The Group actively participated in industry ➢ As of 31 December
Slide 18: Financial Performance
03 Financial Performance
Slide 19: Financial Highlights
Financial Highlights Revenue Gross Profit Adjusted net SaaS Revenue profit Contribution 11.56 Billion 56% 1,432 Million 4.5 Billion +17% 9% +33% 39% 19 Source: Company Report
Slide 20: Diversified Business Structure
Diversified Business Structure Revenue Breakdown in 2025H1 Revenue Growth Million Yuan Million Yuan Loan facilitation services SaaS services Self-operated financing business Other platform services Financing lease services Transaction platform business Other self-operated services 62 , 1% 11,560 2,2
Slide 21: Optimized Business Model & Arising Gross Profit
Optimized Business Model & Arising Gross Profit Net Interest Spread2 Net Service Rate3 Adjusted average yield of net finance receivables1 Average funding cost Net interest spread 5.1% 3.7% 6.0% 2.9% 4.9% 4.9% 9.8% 9.4% 9.7% 4.9% 4.5% 3.7% 2023 2024 2025 2023 2024 2025 Gross Profit Margin Gross Profi
Slide 22: High Operating Efficiency & Robust Provision Coverage
High Operating Efficiency & Robust Provision Coverage. Expense Ratio 1 90+ DPD Ratio2 & Provision Coverage Ratio3 90+Days past due ratio Provision coverage ratio 2.00% 250% 213% 28.0% 196% 1.95% 200% 169% 20.0% 20.9% 1.90% 1.89% 1.89% 150% 1.86% 1.85% 100% 1.80% 50% 1.75% 0% 1.70% -50% 2023 2024 202
Slide 23: Continuous Improvements in Profitability
Continuous Improvements in Profitability Adjusted Net Profit 1400 Net Profit 1,600 Million Yuan Million Yuan 1,199 1,432 1200 1,400 33% 48% 1000 1,200 1,079 19% 810 1,000 800 910 46% 800 600 555 600 400 400 200 200 0 0 2023 2024 2025 2023 2024 2025 23 Source: Company Report
Slide 24: Multiple Financing Channels
Multiple Financing Channels Structure of Financing Sources Abundant Resources in Partnership 1.59% 2.66% 3.76% • As of December 2025, Yixin Group has partnered with over 5.82% 1.93% 100 banks and other financial institutions, with more than 4.0% 70 investors in bonds and asset-backed securities (ABS
Slide 25: Modest Financial Leverage & Resilient Cash Liquidity
Modest Financial Leverage & Resilient Cash Liquidity Cash and Cash Equivalents Asset-liability Ratio Million Yuan % 4,506 4,213 68.8% 66.2% 63.8% 3,480 2023.12.31 2024.12.31. 2025.12.31 2023.12.31 2024.12.31 2025.12.31 25 Source: Company Report
Slide 26: Vintage Delinquency Rate Remains Stable
Vintage Delinquency Rate Remains Stable 6.00% Tier I （upmarket）Dpd 30+ by Vintage 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 6.0% Tier II （prime market）Dpd 30+ by Vintage
Slide 27: Future Strategy
04 Future Strategy
Slide 28: Overseas Strategy—Global Vision, Southeast Asia Focus
Overseas Strategy—Global Vision, Southeast Asia Focus Overseas Expansion Roadmap Xport Overseas Business Model China Japan Singapore Malaysia Southeast Asia: Major Market Size Forecasts Million New Car Used Car 51.85 54.25 49.56 Singapore Malaysia 41.82 43.90 (International Headquarters) • Stable Pr
Slide 29: AI Strategy—Full-Chain AI Agents for Auto Finance
AI Strategy—Full-Chain AI Agents for Auto Finance Financial AI Solutions Market Size in China Billion Post-financing 162 Agentization 120 Mid-financing AI • Asset Management Brain： 86 Risk Control Further generalization of the 60 decision engine to 42 continuously expand • Differentiated Pricing: 80
Slide 30: Thanks!
Thanks！ YIXIN 2026
Slide 31: Appendix: Non-IFRSs Financial Measures
Appendix: Non-IFRSs Financial Measures To supplement the interim condensed consolidated financial information of the Group prepared in accordance with the IFRSs, certain additional non-IFRSs financial measures (in terms of adjusted operating profit and adjusted net profit) have been presented in thi
Slide 32: Appendix: Non-IFRSs Measures & Reconciliations
Appendix: Non-IFRSs Measures & Reconciliations RMB (‘000 Yuan) 2025 2024 Operating profit 1,698,987 1,133,604 Add： Fair value changes arising from investee companies 146,815 100,254 Impairment loss on investment in an associate - 12,031 Amortization of intangible assets resulting from asset and busi