Yiren Digital Ltd. · NYSE:YRD
Yiren Digital — FY2025 Earnings Presentation
26 slides from Yiren Digital's earnings presentation, Mar 19, 2026
Slide 1: Yiren Digital Investor Presentation
Yiren Digital (NYSE: YRD) Investor Presentation March 2026
Slide 2: Disclaimer
Disclaimer This presentation has been prepared by Yiren Digital 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 in the United States or anywhere e
Slide 3: Yiren Digital: A Leading AI-Powered Fintech Platform
Yiren Digital: A Leading AI-Powered Fintech 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 facilitated in FY25: RMB 67.8 billi
Slide 4: 2025 YRD AI Capability Highlights
2025 YRD AI Capability Highlights A Year Of Measurable Progress From Infrastructure To Core Business Applications Launched in-house AI foundation model and AI agent platform In-house LLM Multi-LLM Integration LLM Knowledge Base Prompt MagiCube 2.0 • received regulatory DataData LakeOps Tools MAP Hub
Slide 5: Value Proposition
Value Proposition • Better China consumer credit macro driven by modest rebound in credit circle ○ While credit demand remains weak, credit quality is improving in Q1 2026 • Less competition in the industry after new loan regulations in October 2025 ○ Cost of capital and acquisition will benefit in
Slide 6: Credit Solutions
01 Credit Solutions
Slide 7: 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 Revolving Loans Flexible with Millions of Young and Active Borrowers Lo
Slide 8: Enhancing Efficiency and Risk Control with Embedded AI
Enhancing Efficiency and Risk Control with Embedded AI Along With A Strong Cash Position To Cover Provision Repeat Borrowers’ Contribution Rate (% of total loan facilitation) • Growing Institutional Trust Repeat New 复贷占比 borrowers 首贷占比 borrowers Our 29 whitelisted institutional funding partners enab
Slide 9: Case Study 1: AI Agents for Marketing & Tele-Sales
Case Study 1: AI Agents for Marketing & Tele-Sales Significantly Improved Sales Conversion And Cost With More 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-Ba
Slide 10: 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 11: 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 transactio
Slide 12: 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 13: Insurance Brokerage
02 Insurance Brokerage
Slide 14: Insurance Brokerage Business Overview
Insurance Brokerage Business Overview Omni-channel Strategy Enhances Sales Conversion And Customer LTV Business Model Competitive Advantage Cross-Channel Customer Journey Hybrid Excellence Customers may choose to start online and complete with agent Seamless collaboration between offline support, or
Slide 15: Insurance Brokerage: Second Core Growth Engine
Insurance Brokerage: Second Core Growth Engine National Offline Brokers Network • 500+ agents • 30+ branches nationwide • 100+ insurance company partners INSURANCE BROKERAGE • 1,000+ insurance products Compound quarterly • Product matrix Internet distribution channels made a • Property & casualty vs
Slide 16: Strategic Priorities for 2026
Strategic Priorities for 2026 Expand AI-driven Product Sales Scope Automation In 2026, we will prioritize scaling our AI capabilities to enhance customer satisfaction Strengthen and deliver more personalized experiences, Data Operational Efficiency deepen integration between our online and Analytics
Slide 17: AI Development Roadmap and 2026 Growth Strategy
03 AI Development Roadmap and 2026 Growth Strategy
Slide 18: AI Development Roadmap: From AI-adaptive to AI-native
AI Development Roadmap: From AI-adaptive to AI-native Deploying Our AI Capabilities To More Industries AI-adaptive Workflow AI-native Agents Solutions Expand from Financial Industry Credit Solutions Credit Agents to Non-Financial Industries Connecting institutional Personal credit mgt. Investment In
Slide 19: Growth Drivers for 2026
Growth Drivers for 2026 Recovery of Core Business AI-enabled Business Expansion Improvement in credit quality is supporting The significant potential of our AI agent a stabilization and gradual recovery in the capabilities, combined with our performance of core digital lending established presence i
Slide 20: Financial Summary
04 Financial Summary
Slide 21: Transformation to AI Technology Solutions Platform
Transformation to AI Technology Solutions Platform More Balanced Revenue Structure With Technology-driven Revenue Growing Fast 2025 Revenue Mix 90% 82% (RMB 5,719m) 80% 73% 78% 70% 5% 60% 56% 11% 50% 40% 6% 39% 32% 30% 5% 20% 16% 4% 10% 7% 5% 6% 5% 0% Lending-driven Lending-driven Lending Related Le
Slide 22: Leading Credit Risk Indicators Turning Positive
Leading Credit Risk Indicators Turning Positive Cost Of Capital And Cost Of Customer Acquisition Are Trending Down Leading Risk Indicator: FPD30+ Cost of Capital Customer Acquisition Cost (% of Loan Facilitation Volume) (% of Loan Facilitation Volume) (% of Loan Facilitation Volume) ↓ 110bps ↓ 50bps
Slide 23: Insurance Brokerage Growth Direction
Insurance Brokerage Growth Direction Driven By Fast Growing Internet Insurance Distribution GWP of Insurance Brokerage Business Insurance Brokerage Total Policies and Clients (in million RMB) (in thousands) 1,600 900 1,400 824 800 1,200 710 700 Growth Momentum Driven by Internet Insurance 1,000 600
Slide 24: Operational Excellence Driven by AI
Operational Excellence Driven by AI Cost Efficiency Has Substantially Increased Credit Solution Business Cost %Segment Revenue 700 13.5 14.0 14.3 16.0 35% 32% 12.4 12.9 14.0 600 11.6 30% 10.8 12.0 500 10.0 25% 21% 10.0 400 20% 8.0 13% 300 550 570 590 602 15% 10% 493 506 519 535 6.0 200 4.0 10% 100 2
Slide 25: Financial Summary
Financial Summary Net Revenue GAAP Net Income (in million RMB) (in million RMB) 7,000 2,500 6,000 5,806 5,719 2,080 4,896 2,000 5,000 1,582 4,000 Non-GAAP 3,435 1,500 1,195 Net Income * 3,000 1,000 834 2,000 500 1,000 41 - 0 2022 2023 2024 2025 2022 2023 2024 2025 The GAAP 2025 net income was RMB 41
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.