Yiren Digital Ltd. · NYSE:YRD
Yiren Digital — Q1 2026 Earnings Presentation
26 slides from Yiren Digital's earnings presentation, June 2026
Slide 1: Yiren Digital Investor Presentation
Yiren Digital (NYSE: YRD) Investor Presentation June 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: 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 Insurance Brokerage • Cumulative customers served: 14+ million • Cumulative customers served: >2 million • Loans faci
Slide 4: 2026Q1 YRD Enterprise AI Architecture Rollout
2026Q1 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 — Three Major Upgrades over 1.0 1 2 3 Security
Slide 5: 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 6: Strategic AI Investment In Strategic non-Fintech Sectors
Strategic AI Investment In Strategic non-Fintech Sectors Expanding the All-in-AI Ecosystem into AI Entertainment, Learning and Research Productivity Fintech Platform YRD Strategic Upgrade AI-Native Industry Technology Platform A B C AI Entertainment / ACG AI-Assisted Language Learning AI Research Pr
Slide 7: 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 8: Credit Solutions
01 Credit Solutions AI is already improving customer acquisition, risk control and operating efficiency across our core credit business.
Slide 9: 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 10: 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) • Growing Institutional Trust Our 29 whitelisted institutional funding partners enable us to benefit Repeat 复贷
Slide 11: Case Study 1: AI Agents for Marketing & Tele-Sales
Case Study 1: AI Agents for Marketing & Tele-Sales Improving Sales Conversion and Reducing Costs Through Automation Avg. Effective Call Duration AIGC Generation Time Cost per Outbound Call (unit: second) (unit: second) (unit: RMB) 24.9 0.952 1.2 18.5 0.6 0.153 External IVR In-house AI Script-Based M
Slide 12: Case Study 2: AI Agents for Asset Recovery
Case Study 2: 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 per Staff with AI Agents 3. Rising Cost Savings as AI Adoption Deepens in 2025 (in million RMB) Totaling 50M+ M1 Lo
Slide 13: Case Study 3: AI Agents for Capital Allocation Optimization
Case Study 3: 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 transaction
Slide 14: 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 15: 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 16: 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 28 insurance products across 6 c
Slide 17: Insurance Brokerage: Second Core Growth Engine
Insurance Brokerage: Second Core Growth Engine 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 products
Slide 18: AI Development Roadmap and 2026Q1 Updates
03 AI Development Roadmap and 2026Q1 Updates
Slide 19: 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 20: Strategic AI Service Model Expands into Non-Fintech Sectors
Strategic AI Service Model Expands into Non-Fintech Sectors A AI Entertainment / ACG Gen-Z-founded, interactive storytelling and fan-driven content studio, Option to gain majority stake building its own IP into a multi-format entertainment universe. Supported by Performance-Based Warrants and Future
Slide 21: Financial Summary
04 Financial Summary Improving operating efficiency, diversifying revenue mix and accelerating growth in technology-driven revenue.
Slide 22: Transformation to AI Technology Solutions Platform
Transformation to AI Technology Solutions Platform More Balanced Revenue Structure With Technology-driven Revenue Growing Fast 2026Q1 Revenue Mix 90% 82% (RMB 915.1 million) 80% 73% 70% 64% 60% 11% 50% 40% 16% 30% 27% 20% 16% 57% 10% 10% 10% 10% 7% 5% 6% 0.3% 0.3% 7% 0% Lending-driven Technology-dri
Slide 23: Credit Indicators Improve Across Risk and Cost Metrics
Credit Indicators Improve Across Risk and Cost Metrics Lower Risk and Declining Funding and Acquisition Costs Support More Efficient Credit Operations Leading Risk Indicator: FPD30+ Cost of Capital Customer Acquisition Cost (% of Loan Facilitation Volume) (% of Loan Facilitation Volume) (% of Loan F
Slide 24: 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 700 14.0 14.3 14.5 16.0 12.9 13.5 12.4 14.0 600 11.6 10.8 500 10.0 12.0 10.0 400 8.0 300 6.0 200 4.0 100 2.0 493
Slide 25: Financial Summary
Financial Summary Net Revenue GAAP Net Income (in million RMB) (in million RMB) 1,800 600 486 473 Non-GAAP 1,555 427 Net Income * 1,600 400 1,378 248 1,400 200 66 1,200 986 958 0 1,000 915 2023Q1 2024Q1 2025Q1 2025Q4 2026Q1 -200 800 600 -400 400 -600 -495 200 -800 0 -868 -1,000 2023Q1 2024Q1 2025Q1
Slide 26: Thank you
Thank you Yiren Digital Ltd. (NYSE: YRD) For more information, please contact our IR team at ir@creditease.cn You are welcome to follow us on LinkedIn and X: @Yiren Digital Ltd.