Yiren Digital Ltd. · NYSE:YRD
Yiren Digital — Investor Presentation (June 2025)
31 slides from Yiren Digital's investor presentation, June 2025
Slide 1: Yiren Digital Investor Presentation
Yiren Digital Investor Presentation June 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: Our Vision
Our Vision “Our vision is to elevate customers' life quality by delivering AI-powered digital services, while also empowering the technological capabilities of selected sectors.” Better tech. Better life.
Slide 4: Company Overview
01 Company Overview
Slide 5: A Leading AI-Driven Financial & Lifestyle Services Platform
A Leading AI-Driven Financial & Lifestyle Services Platform Diversified Business Lines Driving Innovation and Value Financial Services Life & Property Insurance Consumption and lifestyle Revolving loan services provide Customized insurance services to cater to Satisfying diverse quality-of-life need
Slide 6: Financial Services: Technology Driven Loan Facilitation Model
Financial Services: Technology Driven Loan Facilitation Model Loan Repayment Customer Referral， Credit Application Collections & Risk Mgmt Services AI Risk/Anti-Fraud Borrowers Institutional Post-facilitation Service Fees Funding Services Partners Intelligent KYC E-Signing Platform Funding
Slide 7: Revolving Financing Services
Revolving Financing Services Precise Targeting, Diverse Acquisition Precise-targeting Customers Multi-acquisition Channels • 100mn+ borrowers served • Social media marketing • Mainly aged 25-40 • E-commerce & life service platforms • Stable salary or self-employed Revolving loans ranging from 4-200k
Slide 8: AI Assisted Customer Journey and Workflow
AI Assisted Customer Journey and Workflow AI-powered fraud detection and security AI customized debt collection process for Omni-channel experience collaboration measures for customer comfort and trust optimal debt recovery across multiple channels Fraud Debt AI Assistant Post-Loan Omni-Channel Dete
Slide 9: Strong Risk Control Capability
Strong Risk Control Capability 19 years of experience and data accumulation in the credit-tech business Extensive Strong capability to understand data across economic cycles and the lifecycle of loans. Data Accumulation Over 100 million of registered users, and millions of customers’ database 30+ Cr
Slide 10: Data-powered Flywheel to Drive Growth
Data-powered Flywheel to Drive Growth More customers and repeat users More data plugged into Better products our AI-driven system to and services make it more intelligent and efficient Deliver more Attract more partners personalized user with better offerings experience and diverse and terms service
Slide 11: Insurance: Providing Full Spectrum Products and Services
Insurance: Providing Full Spectrum Products and Services Competitive edges: 1）Nationwide business deployment 2）Experienced teams on property, life insurance and internet industry 3）Strong capacities in product innovation and market expansion Customer Acquistion Multi-layer of customer needs Product
Slide 12: Insurance Growth Strategy: 2B2C Model
Insurance Growth Strategy: 2B2C Model Customized Scenario-based Insurance Rich Application Scenarios products under 2B2C model Hexiang Insurance Medicine & Healthcare Travel & Leisure Serving both 2B and 2C clients 2B Corporate Clients with diversified products. After being served by Hexiang, workin
Slide 13: Insurance: Diverse and Rich Resources and Networks
Insurance: Diverse and Rich Resources and Networks As of March 31, 2025, 95 Partner Institutions Nationwide 1,000+ insurance products on the shelf Our Partnering Insurers
Slide 14: Revenue Models and Monetization
Revenue Models and Monetization External funding Loan facilitation & Post origination partners service fees1 Financial Loan facilitation & Post origination service fees1 Services YRD licensed Guarantee service fees subsidary Financing service fees Insurance Insurance Insurance commissions Brokerage
Slide 15: Key Financial Highlights
02 Key Financial Highlights
Slide 16: What We Achieved in 1Q25
What We Achieved in 1Q25 +28% +2% +13% yoy yoy yoy # of Borrowers Loans Facilitated Total Revenue Served - Solid and sustainable growth in revenue and business scale - Healthy balance sheet and proactive shareholder returns - Core competitive advantages across all operations enhanced by ‘AI Lab’
Slide 17: Stable Volume Growth Supported by Expanded Borrower Base
Stable Volume Growth Supported by Expanded Borrower Base Number of Borrowers Loans Facilitated 1Q25: 1Q25: (RMB Million) -12% QoQ 1,560,789 -1% QoQ 1,491,756 1,498,020 +2% YoY 1,371,501 1,352,200 1,375,406 +28% YoY 15,353 15,238 13,393 1,204,012 12,936 11,646 11,910 1,013,972 9,814 8,156 2Q23 3Q23 4
Slide 18: Dynamics of New and Repeat borrowing on Yixianghua Platform
Dynamics of New and Repeat borrowing on Yixianghua Platform New borrowings Repeat borrowings Starting in H2 2023, the company upgraded its customer 26% segmentation, attracting higher- 33% 35% quality borrowers with stronger 41% 39% 45% 45% 44% repayment capabilities and better risk profiles. These
Slide 19: Insurance Brokerage Business: Key Strategic Pillar
Insurance Brokerage Business: Key Strategic Pillar Gross Written Premiums Cumulative Number of Insurance Clients 1Q25: (RMB Million) 1Q25: -27% QoQ +4% QoQ 1,470,738 1,590,394 -12% YoY +18% YoY 1,410,158 1,532,119 1,343,660 1,283,102 1,428 1,351 1,256,762 1,332 1,133,069 1,209 1,100 1,061 912 802 2Q
Slide 20: Steady Revenue Growth with Expanded Business Scale
Steady Revenue Growth with Expanded Business Scale Net Revenue GAAP Net Income (RMB Million) (RMB Million) 1Q25: 1Q25: +7% QoQ -25% QoQ +13% YoY -49% YoY 554 571 527 1,555 1,497 1,479 486 1,452 1,311 1,378 1,324 1,274 410 355 331 248 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q23 3Q23 4Q23 1Q24 2Q24 3
Slide 21: Delinquency Rates
Delinquency Rates 1-30 days 31-60 days 61-90 days 2.0% 2.0% 1.7% 1.6% 1.6% 1.5% 1.4% 1.3% 1.2% 1.2% 1.2% 1.2% 1.2% 1.2% 1.1% 1.1% 0.7% 0.6% FY20 FY21 FY22 FY23 FY24 1Q25
Slide 22: Future Strategies
Future Strategies Financial service business Insurance brokerage 01 02 Expanding customer base and increasing line Proactively adapting products and partnerships to of credits for high quality borrowers through embrace new regulations in the short-term, and constantly-evolving AI systems and improve
Slide 23: Investment Highlights
Investment Highlights Diversified Business Lines Driving Innovation and Value Comprehensive services covering a wide range of financial needs and consumption demands, strong synergies, healthy unit 01 economics with multiple growth drivers A Leading AI Business in the Making 02 Harnessing AI experti
Slide 24: Appendix
03 Appendix
Slide 25: Income Statement
Income Statement Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages) For the Three Months Ended March 31, Mareh 31, March 31, 2024 2025 2025 RMB = RMB-——sC«UUSD | 676,295 742,304 102,305 Guarantee services 16853 318.
Slide 26: Cash Flow Data
Cash Flow Data Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages) For the Three Months Ended March 31, March 31, March 31, 2024 2025 2025 RMB RMB USD Net cash generated from operating activities 631.743 478,650 65.9
Slide 27: Balance Sheets
Balance Sheets Unaudited Condensed Consolidated Balance Sheets (in thousands) As of December 31, March 31, March 31, 2024 2025 2025 RMB RMB USD | Contract assets, net 1,008,920 1,114,576 153,593 | Contracteost wD rt 's and other assets 2,361,585 2,299,149 316,831 Fi receivables 17,515 22,040 3,037 F
Slide 28: Operating Highlights
Operating Highlights *Due to the expansion of asset categories in which the Company has invested and the significant fluctuations in their fair value changes, adjustments for fair value changes relating to crypto assets and financial investments are hereby incorporated, and historical periods have b
Slide 29: Delinquency Rates
Delinquency Rates Delinquency Rates 1-30 days 31-60 days 61-90 days December 31, 2021 2.0% 1.5% 1.2% December 31, 2023 2.0% 1.4% 1.2% March 31, 2025 1.6% 1.2% 1.2%
Slide 30: Delinquency Rates By Vintage
Delinquency Rates By Vintage * The 30+ days delinquency rate by vintage refers to the outstanding principal balance of loans facilitated over a specified period that are more than 30 days past due, as a percentage of the total loans facilitated during that same period. Loans originating outside main
Slide 31: THANKS!
THANKS! For more information, please contact our IR team at ir@yiren.com Welcome to follow us on LinkedIn & X @Yiren Digital Ltd.