Yiren Digital Ltd. · NYSE:YRD
Yiren Digital — Q2 2025 Earnings Presentation
22 slides from Yiren Digital's earnings presentation, August 2025
Slide 1: Yiren Digital Investor Presentation
Yiren Digital (NYSE: YRD) Investor Presentation August 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 (NYSE: YRD)
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, supported by strong AI-driven products and services • Proprie
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 • Premium borrower focus — 77% repeat borrowing loans; deepening penetration in underserved in
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. RMB1.5B in Q2 2025, up 75% YoY • GWP of digital products up 103% QoQ • Loan volume +57% YoY REVENUE MI
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 Borrow 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% default 100 million+ proprietary text, voice lending rate D61-90 registered users and video data experience delinquent Risk
Slide 10: Strong Risk Management Capabilities
Strong Risk Management Capabilities 19 years of experience and data accumulation in the credit-tech business Extensive Data Collection Over 100 million of registered users, and comprehensive customers’ database spanning millions of customer profiles Robust capability to interpret data across economi
Slide 11: Overseas Expansion Driving Growth
Overseas Expansion Driving Growth Overseas market is expected to contribute 4% revenue in 2025 >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 • JV a
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 Overview
Insurance Overview Driving Insurance Growth Through Diversification and Digital Innovation Strong Insurance Life & Health Insurance Digital Insurance Ecosystem • 450+ agents • High commission & long- • Pure online client term revenue from stable acquisition via our lending • 30+ branches nationwide
Slide 14: Market Overview & Growth Strategy
02 Market Overview & Growth Strategy
Slide 15: China's Consumer Finance Market: Solid Outlook & Growth
China's Consumer Finance Market: Solid Outlook & Growth Market Outlook Key Growth Drivers Rapid Consumption Growth • Consumption expenditure increased by 5.1% in 2024 Policy Tailwinds fueling demand • Projected CAGR of ~4% from 2025 to 2030. AI-driven Credit Tech unlocking Expanding Markt Size new b
Slide 16: Yiren's Growth Roadmap
Yiren’s Growth Roadmap Build on Solid International Growth AI Advancement Fundamentals Drive steady domestic • Accelerated strategic • Personalized customer growth driven by partnership in emerging experiences with digital government’s stimulus markets engagement policies • Continuous development •
Slide 17: Key Financial Highlights
03 Key Financial Highlights
Slide 18: Stable Volume Growth Supported by Expanded Borrower Pool
Stable Volume Growth Supported by Expanded Borrower Pool Number of Borrowers Loans Facilitated 2Q25: 2Q25: Million RMB +10% YoY 1,560,789 1,637,912 +57% YoY 1,491,756 1,498,020 1,375,406 1,371,501 20,348 1,352,200 1,204,012 1,013,972 15,353 15,238 12,936 13,393 11,646 11,910 9,814 8,156 2Q23 3Q23 4Q
Slide 19: 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 In H2 2024, the company 26% 23% implemented a full scope customer 33% 35% segmentation strategy to optimize 41% 39% 45% 45% 44% credit quality and new customer conversion. In Q2 2025, 77% of the
Slide 20: Stable Delinquency Rates
Stable Delinquency Rates Delinquency rate decreases by 20% from the peak in Q2 2023 1-30 days 31-60 days 61-90 days 2.0% 2.0% 1.7% 1.7% 1.6% 1.5% 1.4% 1.3% 1.2% 1.2% 1.2% 1.2% 1.1% 1.1% 1.1% 1.0% 0.7% 0.6% FY20 FY21 FY22 FY23 FY24 2Q25 20
Slide 21: Key Financial Highlights
Key Financial Highlights Revenue Net Income RMB million RMB million 1,652 554 571 1,555 527 1,497 1,479 1,452 1,311 1,274 1,378 486 1,324 410 355 358 331 248 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 The decline in net income and margin stems from incr
Slide 22: THANKS!
THANKS! Yiren Digital (NYSE: YRD) For more information, please contact our IR team at Overseas: William Hui williamhui@creditease.hk China: Keyao He keyaohe@creditease.cn Welcome to follow us on LinkedIn & X @Yiren Digital Ltd.