Yiren Digital Ltd. · NYSE:YRD
Yiren Digital — Q2 2026 Earnings Presentation
30 slides from Yiren Digital's earnings presentation, Sep 30, 2026
Slide 1: Yiren Digital Investor Presentation
Yiren Digital (NYSE: YRD) Investor Presentation September 2026
Slide 2: Disclaimer
Disclaimer This presentation has been prepared by Yiren Digital Ltd. (NYSE: YRD) (the “Company”) solely for informational 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 i
Slide 3: Investment Highlights
Investment Highlights Driving Sustainable Growth through Business Transformation, AI Innovation and Capital Discipline 01 02 03 Core Business Transformation AI-Native Growth Platform Liquidity and Disciplined Capital Allocation Credit solutions are transitioning toward an asset- Proprietary AI is de
Slide 4: From Fintech Platform to AI-Native Multi-Industry Solutions Platform
Yiren Digital: From Fintech Platform to AI-Native Multi-Industry Solutions Platform Building AI Agents and Solutions Platforms In Financial And Non-financial Sectors Credit Solutions • Cumulative customers served: 14+ million BUSINESS MODEL IN TRANSITION • Loans facilitated in 1H26: RMB 15.2 billion
Slide 5: 2026 YRD Enterprise AI Architecture Rollout
2026 YRD Enterprise AI Architecture Rollout Business Management Drives Agents to Deliver Operational Results Zhiyu Proprietary LLM ·Apr 2025 MagiCube 1.0 Multi-Agent Platform · MagiCube MagiCube 2.0 XuanJi + ZhiNao Oct 2025 AgentOS ·2026 MagiCube 2.0 — Four Major Upgrades over 1.0 1 2 3 4 Security &
Slide 6: Enterprise AI Governance Framework is More Secured and Scalable
Enterprise AI Governance Framework is More Secured and Scalable A Unified Four-tier Defence (L1–L4) Governing Every Agent Across Lending, Insurance and International Markets • Controllable invocation Security Control Hub LLM Gateway MCP Gateway Skill Gateway • Manageable permissions • Auditable beha
Slide 7: AI in Production: Proof Points
AI in Production: Proof Points Operating Results Disclosed Across Customer Operations, Efficiency and Risk Control Customer Operations Operating Efficiency Risk Control 98.7% Qingniao customer-service system answer rate 24.9% Human handling rate in asset-recovery operations, RMB165M Potential fraud
Slide 8: Strategic Investment in AI-Native Verticals
Strategic Investment in AI-Native Verticals Expanding the All-in-AI Ecosystem into AI Entertainment, Language Learning, Research and Companionship Fintech Platform YRD Strategic Upgrade AI-Native Industry Technology Platform A B C D AI Entertainment / ACG AI-Assisted Language AI Research Productivit
Slide 9: Positioned for the Next Phase of Growth
Positioned for the Next Phase of Growth Deepening AI deployment across core financial services • Expanding AI across credit and insurance workflows • Driving greater efficiency, stronger risk management and broader service capabilities Fintech Platform Advancing toward commercialization of AI-enable
Slide 10: Sustainability and Responsible AI
Sustainability and Responsible AI 2025 ESG Report Published July 2026 — Yiren Digital’s Third Annual ESG Report Responsible AI Inclusive Finance Environment 100% Of enterprise AI agents operate under a single four-tier RMB19.5bn Unsecured credit facilitated to 596,500+ small −6% Total greenhouse gas
Slide 11: Credit Solutions
01 Credit Solutions AI is already improving customer acquisition, risk control and operating efficiency across our core credit business.
Slide 12: Trusted and Established Credit Solutions Provider
Trusted and Established Credit Solutions Provider 20 Years of Expertise and Innovation in Credit Solutions; Improving Customer Experience with AI Flexible and Reliable Loan Product Design + Top Consumer Credit Solutions Provider Loan Tenor Revolving Loans Flexible with Millions of Young and Active B
Slide 13: Enhancing Efficiency and Risk Control with Embedded AI
Enhancing Efficiency and Risk Control with Embedded AI Stabilizing Credit Performance While Improving Operating Efficiency Repeat Borrowers’ Contribution Rate (% of total loan facilitation) • Premium Clients First Focusing on high-quality repeat borrowers, increasing transaction Repeat 复贷占比 borrower
Slide 14: Case Study: AI Agents for Asset Recovery
Case Study : AI Agents for Asset Recovery Deep AI Agents Provide Voice Hotline And Text-based Support 1. Lower Human Handling Rate as AI Agents Expand 2. Higher Ticket Handling Number with AI Agents 3. Rising Cost Savings as AI Adoption Deepens in H1 2026 in million RMB Totaling 60M+ 800 8 44.95% 60
Slide 15: Case Study: AI Agents for Asset Recovery
Case Study: AI Agents for Asset Recovery Deep AI Agents Provide Increase Asset Recovery Rate 4. D30 Recovery Rate Improvement with M1 Cost Efficiency • AI-agent-assisted collections delivered strong recovery uplift and cost efficiency. 90.0% 5.00% 88.0% 4.50% • From Oct-2025 to Jun-2026, D30 Recover
Slide 16: Case Study: AI Agents for Capital Allocation Optimization
Case Study: AI Agents for Capital Allocation Optimization Real-time Funds Monitoring and Automated Anomaly Alerts & Analysis AI-powered Intelligent Orchestration Agents YiQ agent ZhuQue bot (Capital Analysis & Monitoring Agents) (Capital Deployment Agents) Agents & Capabilities • Track transactions
Slide 17: Industry-leading AI-based Risk Management Framework
Industry-leading AI-based Risk Management Framework Using Proactive Risk Management To Navigate Market Fluctuations ID Verification (KYC) Fraud Detection Behavior Real-time Report Collection Smart Reminders Scoring Monitoring Scoring Channel Credit Dynamic Credit Differentiated Tiered Phone Complain
Slide 18: Insurance Brokerage
02 Insurance Brokerage AI is expanding our insurance brokerage capabilities through product digitization, workflow integration and commercial readiness ahead of launch in 2H26.
Slide 19: Yixiaobao: Building an AI-Native Insurance Sales Infrastructure
Yixiaobao: Building an AI-Native Insurance Sales Infrastructure Launched Yixiaobao, an AI digital human insurance sales assistant, to empower online-offline hybrid services Insurance Product Coverage Agent Insurance Sales Workflow Enabled Launched knowledge bases for 42 insurance products across 6 c
Slide 20: Insurance Brokerage: Client Base Continues to Expand
Insurance Brokerage: Client Base Continues to Expand National Offline Brokers Network INSURANCE • 500+ agents • Product matrix BROKERAGE • 30+ branches nationwide • Property & casualty vs. life • 100+ insurance company partners insurance Internet distribution channels achieved • 1,000+ insurance pro
Slide 21: AI Development Roadmap and 2026Q2 Updates
03 AI Development Roadmap and 2026Q2 Updates
Slide 22: AI Development Roadmap: From AI-adaptive to AI-native
AI Development Roadmap: From AI-adaptive to AI-native Deploying Our AI Capabilities Across Industries Beyond Financial Services AI-adaptive Workflow AI-native Agents Solutions Expand from Financial Industry Credit Solutions Credit Agents to Non-Financial Industries Connecting institutional Personal
Slide 23: Why Yiren Digital Can Build in AI-Native Verticals
Why Yiren Digital Can Build in AI-Native Verticals 1 Reusable Enterprise AI Stack Proprietary LLMs (Zhiyu, Yizhi), the MagiCube 2.0 multi-agent platform, Capability transfer, not just capital XuanJi workflow execution and ZhiNao orchestration — 10+ reusable Credit and Insurance Serve as the Producti
Slide 24: Financial Summary
04 Financial Summary Improving operating efficiency, diversifying revenue mix and accelerating growth in technology-driven revenue.
Slide 25: Transformation to AI Technology Solutions Platform
Transformation to AI Technology Solutions Platform More Balanced Revenue Structure With Technology-driven Growth 90% 2026Q2 Revenue Mix 80% 77% (RMB 890 million) 70% 67% 64% 0.94% 3.50% 60% 50% 10.78% 40% 27% 30% 25% 13.78% 20% 10% 14% 7.56% 8% 1% 10% 6% 55.49% 4% 0% 0% Lending-driven Technology-dri
Slide 26: Credit Indicators Improve Across Risk Metrics
Credit Indicators Improve Across Risk Metrics FPD30+ Delinquency Declined 10.7% QoQ, While Acquisition Costs Remained Below 2025 Levels FPD30+ Delinquency Rate Acquisition Cost Ratio (% of Loan Facilitation Volume) (% of Loan Facilitation Volume) ↓ 10.7% 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 2024Q2 202
Slide 27: Building a More Balanced Growth Model
Building a More Balanced Growth Model Credit Solutions Provides Scale and Stability, while Insurance Brokerage Expands as an Increasingly Important Growth Driver Credit Solution Business 14.0 14.3 14.5 14.7 12.9 13.5 11.6 12.4 10.8 506 519 535 550 570 590 602 611 618 2024Q2 2024Q3 2024Q4 2025Q1 2025
Slide 28: Financial Summary
Financial Summary Net Revenue GAAP Net Income (in million RMB) (in million RMB) 1,800 1,652 600 527 1,600 1,497 410 400 358 1,400 1,324 1,200 200 1,000 915 890 0 800 2023Q2 2024Q2 2025Q2 2026Q1 2026Q2 600 -200 400 -400 200 -450 0 -495 -600 2023Q2 2024Q2 2025Q2 2026Q1 2026Q2 The GAAP 2026Q2 net loss
Slide 29: Capital Allocation: Returns and AI Investment
Capital Allocation: Returns and AI Investment Returning Capital to Shareholders While Building Optionality in AI-Native Verticals SHAR EH OLDE R RETURNS STRATEGI C AI INVESTM ENT · FOUR WARRANT AGRE EM ENTS TO DATE US$20M 01 02 03 Positions Optionality Objective Minority preferred equity Staged righ
Slide 30: Thank you
Thank you Yiren Digital Ltd. (NYSE: YRD) For more information, please contact our IR team at ir@yiren.com You are welcome to follow us on LinkedIn and X: @Yiren Digital Ltd.