Track market-moving stories before they get noisy

New York, New York--(Newsfile Corp. - October 25, 2026) - WHY: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of Yiren Digital Ltd. (NYSE: YRD) resulting from allegations that Yiren may have issued materially misleading business information to the investing public.

SO WHAT: If you purchased Yiren securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. The Rosen Law Firm is preparing a class action seeking recovery of investor losses.

WHAT TO DO NEXT: To join the prospective class action, go to https://rosenlegal.com/cases/yiren-digital-ltd/join or call Phillip Kim, Esq. toll-free at 866-767-3653 or email [email protected] for information on the class action.

WHAT IS THIS ABOUT: On October 12, 2026, Yiren issued a press release entitled "Yiren Digital Provides Update on Its CEO and Operations." The press release stated that Yiren had "became aware of a police notice published on October 12, 2026, stating that Mr. Ning Tang, the Company's Executive Chairman and Chief Executive Officer, had been subject to criminal compulsory measures in connection with an investigation involving certain affiliates of the Company's controlling shareholder."

On this news, Yiren's American Depositary Shares fell 44% on October 12, 2026.

WHY ROSEN LAW: We encourage investors to select qualified counsel with a track record of success in leadership roles. Often, firms issuing notices do not have comparable experience, resources, or any meaningful peer recognition. Many of these firms do not actually litigate securities class actions. Be wise in selecting counsel. The Rosen Law Firm represents investors throughout the globe, concentrating its practice in securities class actions and shareholder derivative litigation. Rosen Law Firm has achieved the largest ever securities class action settlement against a Chinese Company. Rosen Law Firm was Ranked No. 1 by ISS Securities Class Action Services for number of securities class action settlements in 2017. The firm has been ranked in the top 4 each year since 2013 and has recovered billions of dollars for investors. In 2019 alone the firm secured over $438 million for investors. In 2020, founding partner Laurence Rosen was named by law360 as a Titan of Plaintiffs' Bar. Many of the firm's attorneys have been recognized by Lawdragon and Super Lawyers.

Follow us for updates on LinkedIn: https://www.linkedin.com/company/the-rosen-law-firm, on Twitter: https://twitter.com/rosen_firm or on Facebook: https://www.facebook.com/rosenlawfirm/.

Attorney Advertising. Prior results do not guarantee a similar outcome.

-------------------------------

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/320419

Source: The Rosen Law Firm PA

Ready to Announce with Confidence?
Send us a message and a member of our TMX Newsfile team will contact you to discuss your needs.

Contact Us

, /PRNewswire/ --

Why: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of Yiren Digital Ltd. (NYSE: YRD) resulting from allegations that Yiren may have issued materially misleading business information to the investing public.

So What: If you purchased Yiren securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. The Rosen Law Firm is preparing a class action seeking recovery of investor losses.

What to do next: To join the prospective class action, go to https://rosenlegal.com/cases/yiren-digital-ltd/join or call Phillip Kim, Esq. toll-free at 866-767-3653 or email [email protected] for information on the class action.

What is this about: On October 12, 2026, Yiren issued a press release entitled "Yiren Digital Provides Update on Its CEO and Operations." The press release stated that Yiren had "became aware of a police notice published on October 12, 2026, stating that Mr. Ning Tang, the Company's Executive Chairman and Chief Executive Officer, had been subject to criminal compulsory measures in connection with an investigation involving certain affiliates of the Company's controlling shareholder."

On this news, Yiren's American Depositary Shares fell 44% on October 12, 2026.

Why Rosen Law: We encourage investors to select qualified counsel with a track record of success in leadership roles. Often, firms issuing notices do not have comparable experience, resources, or any meaningful peer recognition. Many of these firms do not actually litigate securities class actions. Be wise in selecting counsel. The Rosen Law Firm represents investors throughout the globe, concentrating its practice in securities class actions and shareholder derivative litigation. Rosen Law Firm has achieved the largest ever securities class action settlement against a Chinese Company. Rosen Law Firm was Ranked No. 1 by ISS Securities Class Action Services for number of securities class action settlements in 2017. The firm has been ranked in the top 4 each year since 2013 and has recovered billions of dollars for investors. In 2019 alone the firm secured over $438 million for investors. In 2020, founding partner Laurence Rosen was named by law360 as a Titan of Plaintiffs' Bar. Many of the firm's attorneys have been recognized by Lawdragon and Super Lawyers.

Follow us for updates on LinkedIn: https://www.linkedin.com/company/the-rosen-law-firm, on Twitter: https://twitter.com/rosen_firm or on Facebook: https://www.facebook.com/rosenlawfirm/.

Attorney Advertising. Prior results do not guarantee a similar outcome.

Contact Information:

     Laurence Rosen, Esq.
     Phillip Kim, Esq.
     The Rosen Law Firm, P.A.
     275 Madison Avenue, 40th Floor
     New York, NY 10016
     Tel: (212) 686-1060
     Toll Free: (866) 767-3653
     Fax: (212) 202-3827
     [email protected]
     www.rosenlegal.com

SOURCE THE ROSEN LAW FIRM, P. A.

New York, New York--(Newsfile Corp. - October 22, 2026) - WHY: Rosen Law Firm, a global investor rights law firm, announces an investigation of potential securities claims on behalf of shareholders of Yiren Digital Ltd. (NYSE: YRD) resulting from allegations that Yiren may have issued materially misleading business information to the investing public.

SO WHAT: If you purchased Yiren securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. The Rosen Law Firm is preparing a class action seeking recovery of investor losses.

WHAT TO DO NEXT: To join the prospective class action, go to https://rosenlegal.com/cases/yiren-digital-ltd/join or call Phillip Kim, Esq. toll-free at 866-767-3653 or email [email protected] for information on the class action.

WHAT IS THIS ABOUT: On October 12, 2026, Yiren issued a press release entitled "Yiren Digital Provides Update on Its CEO and Operations." The press release stated that Yiren had "became aware of a police notice published on October 12, 2026, stating that Mr. Ning Tang, the Company's Executive Chairman and Chief Executive Officer, had been subject to criminal compulsory measures in connection with an investigation involving certain affiliates of the Company's controlling shareholder."

On this news, Yiren's American Depositary Shares fell 44% on October 12, 2026.

WHY ROSEN LAW: We encourage investors to select qualified counsel with a track record of success in leadership roles. Often, firms issuing notices do not have comparable experience, resources, or any meaningful peer recognition. Many of these firms do not actually litigate securities class actions. Be wise in selecting counsel. The Rosen Law Firm represents investors throughout the globe, concentrating its practice in securities class actions and shareholder derivative litigation. Rosen Law Firm has achieved the largest ever securities class action settlement against a Chinese Company. Rosen Law Firm was Ranked No. 1 by ISS Securities Class Action Services for number of securities class action settlements in 2017. The firm has been ranked in the top 4 each year since 2013 and has recovered billions of dollars for investors. In 2019 alone the firm secured over $438 million for investors. In 2020, founding partner Laurence Rosen was named by law360 as a Titan of Plaintiffs' Bar. Many of the firm's attorneys have been recognized by Lawdragon and Super Lawyers.

Follow us for updates on LinkedIn: https://www.linkedin.com/company/the-rosen-law-firm, on Twitter: https://twitter.com/rosen_firm or on Facebook: https://www.facebook.com/rosenlawfirm/.

Attorney Advertising. Prior results do not guarantee a similar outcome.

-------------------------------

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/320405

Source: The Rosen Law Firm PA

Ready to Announce with Confidence?
Send us a message and a member of our TMX Newsfile team will contact you to discuss your needs.

Contact Us

BENSALEM, Pa.--(BUSINESS WIRE)--Law Offices of Howard G. Smith continues its investigation on behalf of Yiren Digital Ltd. (“Yiren” or the “Company”) (NYSE: YRD) investors concerning the Company's possible violations of federal securities laws.IF YOU ARE AN INVESTOR WHO SUFFERED A LOSS IN YIREN DIGITAL LTD. (YRD), CONTACT THE LAW OFFICES OF HOWARD G. SMITH ABOUT POTENTIALLY PURSUING CLAIMS TO RECOVER YOUR LOSS.Contact the Law Offices of Howard G. Smith to discuss your legal rights by email at ho.

New York, New York--(Newsfile Corp. - October 21, 2026) - WHY: Rosen Law Firm, a global investor rights law firm, announces an investigation of potential securities claims on behalf of shareholders of Yiren Digital Ltd. (NYSE: YRD) resulting from allegations that Yiren may have issued materially misleading business information to the investing public.

SO WHAT: If you purchased Yiren securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. The Rosen Law Firm is preparing a class action seeking recovery of investor losses.

WHAT TO DO NEXT: To join the prospective class action, go to https://rosenlegal.com/cases/yiren-digital-ltd/join or call Phillip Kim, Esq. toll-free at 866-767-3653 or email [email protected] for information on the class action.

WHAT IS THIS ABOUT: On October 12, 2026, Yiren issued a press release entitled "Yiren Digital Provides Update on Its CEO and Operations." The press release stated that Yiren had "became aware of a police notice published on October 12, 2026, stating that Mr. Ning Tang, the Company's Executive Chairman and Chief Executive Officer, had been subject to criminal compulsory measures in connection with an investigation involving certain affiliates of the Company's controlling shareholder."

On this news, Yiren's American Depositary Shares fell 44% on October 12, 2026.

WHY ROSEN LAW: We encourage investors to select qualified counsel with a track record of success in leadership roles. Often, firms issuing notices do not have comparable experience, resources, or any meaningful peer recognition. Many of these firms do not actually litigate securities class actions. Be wise in selecting counsel. The Rosen Law Firm represents investors throughout the globe, concentrating its practice in securities class actions and shareholder derivative litigation. Rosen Law Firm has achieved the largest ever securities class action settlement against a Chinese Company. Rosen Law Firm was Ranked No. 1 by ISS Securities Class Action Services for number of securities class action settlements in 2017. The firm has been ranked in the top 4 each year since 2013 and has recovered billions of dollars for investors. In 2019 alone the firm secured over $438 million for investors. In 2020, founding partner Laurence Rosen was named by law360 as a Titan of Plaintiffs' Bar. Many of the firm's attorneys have been recognized by Lawdragon and Super Lawyers.

Follow us for updates on LinkedIn: https://www.linkedin.com/company/the-rosen-law-firm, on Twitter: https://twitter.com/rosen_firm or on Facebook: https://www.facebook.com/rosenlawfirm/.

Attorney Advertising. Prior results do not guarantee a similar outcome.

-------------------------------

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/320279

Source: The Rosen Law Firm PA

Ready to Announce with Confidence?
Send us a message and a member of our TMX Newsfile team will contact you to discuss your needs.

Contact Us

Securities Fraud Investigation Into Yiren Digital Ltd. (YRD) Continues -- Shareholders Who Lost Money Urged To Contact The Law Offices of Frank R. Cruz
The Law Offices of Frank R. Cruz continues its investigation of Yiren Digital Ltd. (“Yiren” or the “Company”) (NYSE: YRD) on behalf of investors concerning the Company’s possible violations of federal securities laws.

IF YOU ARE AN INVESTOR WHO LOST MONEY ON YIREN DIGITAL LTD. (YRD), CLICK HERE TO INQUIRE ABOUT POTENTIALLY PURSUING A CLAIM TO RECOVER YOUR LOSS.

What Is The Investigation About?

On October 12, 2026, Yiren announced Ning Tang, the Company's Executive Chairman and Chief Executive Officer, had been subject to criminal compulsory measures in connection with an investigation involving certain affiliates of the Company's controlling shareholder.

On this news, Yiren stock fell $0.44 or 44.05%, to close at $0.56 on October 12, 2026.

Contact Us To Participate or Learn More:

If you purchased Yiren Digital Ltd. securities, have information or would like to learn more about these claims, or have any questions concerning this announcement or your rights or interests with respect to these matters, please contact us:

The Law Offices of Frank R. Cruz,
2121 Avenue of the Stars, Suite 800,
Century City, California 90067
Call us at: 310-914-5007
Email us at: [email protected]
Visit our website at: www.frankcruzlaw.com.
Follow us for updates on Twitter at twitter.com/FRC_LAW.

If you inquire by email, please include your mailing address, telephone number, and number of shares purchased.

This press release may be considered Attorney Advertising in some jurisdictions under the applicable law and ethical rules.

View source version on businesswire.com: https://www.businesswire.com/news/home/20261020691556/en/

Disclosures
I/we have no positions in any stocks mentioned, and have no plans to buy any new positions in the stocks mentioned within the next 72 hours.

Click for the complete disclosure

LOS ANGELES--(BUSINESS WIRE)--The Law Offices of Frank R. Cruz continues its investigation of Yiren Digital Ltd. (“Yiren” or the “Company”) (NYSE: YRD) on behalf of investors concerning the Company's possible violations of federal securities laws.IF YOU ARE AN INVESTOR WHO LOST MONEY ON YIREN DIGITAL LTD. (YRD), CLICK HERE TO INQUIRE ABOUT POTENTIALLY PURSUING A CLAIM TO RECOVER YOUR LOSS.What Is The Investigation About?On October 12, 2026, Yiren announced Ning Tang, the Company's Executive Chai.

New York, New York--(Newsfile Corp. - October 18, 2026) - WHY: Rosen Law Firm, a global investor rights law firm, announces an investigation of potential securities claims on behalf of shareholders of Yiren Digital Ltd. (NYSE: YRD) resulting from allegations that Yiren may have issued materially misleading business information to the investing public.

SO WHAT: If you purchased Yiren securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. The Rosen Law Firm is preparing a class action seeking recovery of investor losses.

WHAT TO DO NEXT: To join the prospective class action, go to https://rosenlegal.com/cases/yiren-digital-ltd/join or call Phillip Kim, Esq. toll-free at 866-767-3653 or email [email protected] for information on the class action.

WHAT IS THIS ABOUT: On October 12, 2026, Yiren issued a press release entitled "Yiren Digital Provides Update on Its CEO and Operations." The press release stated that Yired had " became aware of a police notice published on October 12, 2026, stating that Mr. Ning Tang, the Company's Executive Chairman and Chief Executive Officer, had been subject to criminal compulsory measures in connection with an investigation involving certain affiliates of the Company's controlling shareholder."

On this news, Yiren American Depositary Shares fell 44% on October 12, 2026.

WHY ROSEN LAW: We encourage investors to select qualified counsel with a track record of success in leadership roles. Often, firms issuing notices do not have comparable experience, resources, or any meaningful peer recognition. Many of these firms do not actually litigate securities class actions. Be wise in selecting counsel. The Rosen Law Firm represents investors throughout the globe, concentrating its practice in securities class actions and shareholder derivative litigation. Rosen Law Firm has achieved the largest ever securities class action settlement against a Chinese Company. Rosen Law Firm was Ranked No. 1 by ISS Securities Class Action Services for number of securities class action settlements in 2017. The firm has been ranked in the top 4 each year since 2013 and has recovered billions of dollars for investors. In 2019 alone the firm secured over $438 million for investors. In 2020, founding partner Laurence Rosen was named by law360 as a Titan of Plaintiffs' Bar. Many of the firm's attorneys have been recognized by Lawdragon and Super Lawyers.

Follow us for updates on LinkedIn: https://www.linkedin.com/company/the-rosen-law-firm, on Twitter: https://twitter.com/rosen_firm or on Facebook: https://www.facebook.com/rosenlawfirm/.

Attorney Advertising. Prior results do not guarantee a similar outcome.

-------------------------------

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/319491

Source: The Rosen Law Firm PA

Ready to Announce with Confidence? Send us a message and a member of our TMX Newsfile team will contact you to discuss your needs.

Contact Us

-

NEW YORK--(BUSINESS WIRE)--Why: Rosen Law Firm, a global investor rights law firm, announces an investigation of potential securities claims on behalf of shareholders of Yiren Digital Ltd. (NYSE: YRD) resulting from allegations that Yiren may have issued materially misleading business information to the investing public.

So What: If you purchased Yiren securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. The Rosen Law Firm is preparing a class action seeking recovery of investor losses.

What to do next: To join the prospective class action, go to https://rosenlegal.com/cases/yiren-digital-ltd/join or call Phillip Kim, Esq. toll-free at 866-767-3653 or email [email protected] for information on the class action.

What is this about: On October 12, 2026, Yiren issued a press release entitled "Yiren Digital Provides Update on Its CEO and Operations." The press release stated that Yiren had "became aware of a police notice published on October 12, 2026, stating that Mr. Ning Tang, the Company’s Executive Chairman and Chief Executive Officer, had been subject to criminal compulsory measures in connection with an investigation involving certain affiliates of the Company’s controlling shareholder."

On this news, Yiren American Depositary Shares fell 44% on October 12, 2026.

Why Rosen Law: We encourage investors to select qualified counsel with a track record of success in leadership roles. Often, firms issuing notices do not have comparable experience, resources, or any meaningful peer recognition. Many of these firms do not actually litigate securities class actions. Be wise in selecting counsel. The Rosen Law Firm represents investors throughout the globe, concentrating its practice in securities class actions and shareholder derivative litigation. Rosen Law Firm has achieved the largest ever securities class action settlement against a Chinese Company. Rosen Law Firm was Ranked No. 1 by ISS Securities Class Action Services for number of securities class action settlements in 2017. The firm has been ranked in the top 4 each year since 2013 and has recovered billions of dollars for investors. In 2019 alone the firm secured over $438 million for investors. In 2020, founding partner Laurence Rosen was named by law360 as a Titan of Plaintiffs’ Bar. Many of the firm’s attorneys have been recognized by Lawdragon and Super Lawyers.

Follow us for updates on LinkedIn: https://www.linkedin.com/company/the-rosen-law-firm, on Twitter: https://twitter.com/rosen_firm or on Facebook: https://www.facebook.com/rosenlawfirm/.

Attorney Advertising. Prior results do not guarantee a similar outcome.

More News From The Rosen Law Firm, P.A.

Back to Newsroom

LOS ANGELES--(BUSINESS WIRE)--Glancy Prongay Wolke & Rotter LLP, a leading national shareholder rights law firm, today announced that it has commenced an investigation on behalf of Yiren Digital Ltd. (“Yiren” or the “Company”) (NYSE: YRD) investors concerning the Company's possible violations of the federal securities laws.IF YOU ARE AN INVESTOR WHO LOST MONEY ON YIREN DIGITAL LTD. (YRD), CLICK HERE TO INQUIRE ABOUT POTENTIALLY PURSUING CLAIMS TO RECOVER YOUR LOSS.What Happened?On October 12.

Yiren Digital Ltd. (NYSE:YRD) stock is trading higher by about 40% on Wednesday as it provided an update on several recent developments concerning the company amid the investigation involving certain affiliates of the company’s controlling shareholder.

YRD Stock Remains Highly VolatileThe micro-cap stock had a market capitalization of about $48.6 million based on the previous close. The company’s small market value and sharp volume increases or decreases can drive significant share-price volatility.

Trading activity was also unusually heavy. Session volume reached 109.81 million shares, compared with the stock’s 100-day average volume of 66,633 shares.

The stock is still down 88.85% over the past 12 months and is near its 52-week low.

Operational Independence and Update on InvestigationYiren Digital specializes in providing AI-enabled financial technology and insurance brokerage services across multiple industries in China and global markets. 

The company emphasized that it operates as a separately listed entity with its own board of directors and management team. Its financial reporting and day-to-day operations remain independent of those of its controlling shareholder.

Based on currently available information, Yiren Digital said the investigation concerns business activities outside the company and is not directly related to its operations.

Cash Allocation And LiquidityThe Company reiterated its strong liquidity position and reaffirmed its intention to continue implementing its previously announced share repurchase program of up to $20 million over a 12-month period.

The company held $250 million in cash and cash equivalents as of June 30, 2026.

Leadership UpdateThe company on Tuesday appointed Na Mei as Acting Chief Executive Officer, effective Oct. 13, 2026.

The appointment follows the company’s Oct. 12 announcement that its CEO, Ning Tang, had been subject to criminal compulsory measures in connection with an investigation involving certain affiliates of the company’s controlling shareholder.

Na Mei previously served as the company’s CFO from September 2020 to August 2024. Prior to joining the company, she worked at PricewaterhouseCoopers for more than 10 years.

YRD Stock Price Activity: Yiren Digital shares are trading higher by 40.20% at $0.64 at the time of publication on Wednesday, according to Benzinga Pro data.

Image via Gorodenkoff/Shutterstock

Read Next

Market News and Data brought to you by Benzinga APIs

© 2026 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

To add Benzinga News as your preferred source on Google, click here.

BEIJING, Oct. 13, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced that the Company's board of directors (the "Board") has appointed Ms.

Yiren Digital Ltd. (YRD) Q2 2026 Earnings Call September 30, 2026 8:00 AM EDT

Company Participants

Stephanie Nan
Ning Tang - Executive Chairman & CEO
Ka Hui - Chief Financial Officer

Presentation

Operator

Good day, and welcome to the Yiren Digital Second Quarter 2026 Earnings Conference Call. Please note that this event is being recorded. I would now like to turn the conference over to Ms. Stephanie Nan, Director of Investor Relations of Yiren Digital. Please go ahead, ma'am.

Stephanie Nan

Thank you, operator. Good morning, and good evening, everyone. Today's call features presentations by our Founder, Chairman and CEO, Mr. Ning Tang; and our CFO, Mr. William Hui. Before we begin, we'd like to remind you that discussions during this call contain forward-looking statements made under the safe harbor provision of U.S. Private Securities Litigation Reform Act of 1995. Such statements are subject to risks, uncertainties and factors that can cause actual results to differ materially from those contained in any such statement. Further information regarding such risks, uncertainties or factors is included in the company's filings with the U.S. Securities and Exchange Commission. We do not undertake any obligation to update any forward-looking statements, except as required under applicable law.

During the call, we will be referring to certain non-GAAP financial measures and supplemental matters to review and assess the company's operating performance. These non-GAAP financial measures are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with U.S. GAAP. For information about those non-GAAP financial measures and the reconciliation of GAAP measures, please refer to our earnings press release. As a reminder, this conference is being recorded. An investor presentation and the webcast replay of this conference call will be available on Yiren Digital's IR website. I will now turn the call over to the

, /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced its unaudited financial results for the second quarter ended June 30, 2026.

Second Quarter 2026 Highlights

Later-stage delinquency rates continued to improve with 31–60 day and 61–90 day delinquency rates declining to 2.0% and 2.4% as of June 30, 2026, respectively, from 2.7% and 3.2% as of March 31, 2026. Repeat borrowers accounted for 82% of total loans facilitated, compared with 78% in the first quarter of 2026 and 77% in the same period of 2025, reflecting the Company's continued focus on serving established borrowers. Insurance client growth remained strong, with the number of clients increasing 281% year over year and new policies increasing 177% year over year. Insurance brokerage revenue increased 16% year over year. AI deployment continued to generate measurable efficiency gains across key operating functions, including lower human handling rates in asset recovery and higher autonomous resolution rates in customer operations. On July 2, 2026, the Company's board of directors authorized a new share repurchase program of up to US$20.0 million over the following 12 months. Second Quarter 2026 Operational Results

Credit Solution Business

Total loans facilitated in the second quarter of 2026 were RMB6.3 billion (US$0.9 billion), representing a decrease of 29% compared to RMB8.9 billion in the first quarter of 2026, and a decrease of 69% compared to RMB20.3 billion in the same period of 2025. Average loan size was RMB11,610 during the second quarter of 2026, a decrease of 3% from RMB11,991 in the first quarter of 2026, and an increase of 57% from RMB7,398 in the same period of 2025. Number of borrowers served in the second quarter of 2026 was 424,489, representing a decrease of 20% compared to 531,500 in the first quarter of 2026, and a decrease of 74% compared to 1,637,912 in the same period of 2025. Repeat borrowers' loan amount[1] accounted for 82% of total loans facilitated in the second quarter of 2026, compared to 78% in the first quarter of 2026 and 77% in the same period of 2025. Cumulative number of borrowers served reached 14,667,379 as of June 30, 2026, representing an increase of 1% from 14,518,023 as of March 31, 2026, and an increase of 8% from 13,536,838 as of June 30, 2025. Outstanding balance of performing loans facilitated was RMB15.1 billion (US$2.2 billion) as of June 30, 2026, representing a decrease of 30% from RMB21.6 billion as of March 31, 2026, and a decrease of 52% from RMB31.2 billion as of June 30, 2025. Insurance Brokerage Business

Number of insurance clients during the second quarter of 2026 was 452,962, representing an increase of 14% from 397,854 in the first quarter of 2026, and a 281% year-over-year increase from 118,747 in the same period of 2025. Cumulative number of insurance clients was 2,712,793 as of June 30, 2026, representing an increase of 15% from 2,357,951 as of March 31, 2026, and a 61% year-over-year increase from 1,681,888 as of June 30, 2025. Number of new insurance policies in the second quarter of 2026 was 918,150, representing a decrease of 8% from 999,575 in the first quarter of 2026, and a 177% year-over-year increase from 331,281 in the same period of 2025. Gross written premiums were RMB838.9 million (US$123.6 million), representing an increase of 2% from RMB823.0 million in the first quarter of 2026 and a decrease of 1% from RMB850.1 million in the same period of 2025. First-year premiums were RMB532.9 million (US$78.5 million) in the second quarter of 2026, compared with RMB536.3 million in the first quarter of 2026 and RMB440.4 million in the same period of 2025. Renewal premiums were RMB305.9 million (US$45.1 million) in the second quarter of 2026, compared with RMB286.7 million in the first quarter of 2026 and RMB409.7 million in the same period of 2025. Recent Developments

All-in-AI Strategic Updates

Enterprise AI Deployment and Operating Efficiency: The Company continued to advance its enterprise AI operating model, supported by its proprietary Zhiyu and Yizhi large language models, MagiCube 2.0 multi-agent platform, XuanJi workflow execution and ZhiNao orchestration capabilities. AI deployment is increasingly translating into measurable efficiency gains and higher levels of automation across core operating functions. As disclosed in the Company's 2025 ESG Report, which was published in July 2026, the autonomous resolution rate of text-based agents in customer operations increased from approximately 60% to nearly 80%, while automated quality inspection covered more than two million service records daily. AI-Enabled Risk Management: The Company continued to expand the application of AI across risk management and borrower fraud detection. As disclosed in the Company's 2025 ESG Report, its Hawkeye fraud detection system and DiTing multimodal verification engine helped avoid approximately RMB165 million (US$23 million) in potential fraud-related losses during 2025, demonstrating the potential for AI capabilities to enhance risk identification and operational efficiency. AI Application-Layer Expansion: In July 2026, the Company entered into a warrant agreement with a private AI-native company focused on immersive AI entertainment and emotional wellness, marking the fourth AI company with which Yiren Digital has entered into a warrant agreement. The transaction reflects the Company's disciplined approach to selectively expanding its AI application-layer portfolio and developing new growth opportunities beyond its core financial services businesses. Share Repurchase Program

On July 2, 2026, the Company's board of directors authorized a new share repurchase program, under which the Company may repurchase up to 10% of its total issued and outstanding ordinary shares and/or American depositary shares ("ADSs") for an aggregate amount of up to US$20.0 million over the following 12 months. The timing and amount of any repurchases will be subject to market conditions and other applicable factors. 2025 ESG Report

In July 2026, the Company published its 2025 Environmental, Social and Governance Report, its third annual ESG report, prepared with reference to the GRI Standards and benchmarked against the United Nations Sustainable Development Goals. During 2025, the Company facilitated RMB19.5 billion of unsecured credit to more than 596,500 small business owners, established a three-tier ESG governance structure led by the Board's ESG Committee, and reduced total greenhouse gas emissions by 6% year over year. "During the second quarter of 2026, we maintained a disciplined approach to our credit solution business, prioritizing portfolio quality and risk-adjusted returns while moderating near-term loan facilitation volume. Under this approach, we saw an improvement in later-stage delinquency rates and a higher contribution from repeat borrowers. We continue to refine our service model to leverage our AI innovation to deliver our services that are less capital intensive and more technology focused," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "At the same time, our insurance client base continued to expand, and our All-in-AI strategy generated measurable efficiency gains across asset recovery, customer operations and risk management. Looking ahead, we remain focused on strengthening our core operations, advancing our AI-native capabilities and building a more diversified growth platform."

"Our operating performance improved in the second quarter. However, our results were also affected by the impairment and adjustments related to legacy receivables and contract assets," said Mr. William Hui, Chief Financial Officer of Yiren Digital. "Net loss nevertheless narrowed by 9% sequentially compared with the first quarter of 2026, primarily reflecting an improved credit environment, greater efficiency in credit analysis and reduced reliance on the risk-taking model."

Second Quarter 2026 Financial Results

Total net revenue in the second quarter of 2026 was RMB890.0 million (US$131.2 million), representing a decrease of 3% from RMB915.1 million in the first quarter of 2026 and a decrease of 46% from RMB1,652.1 million in the same period of 2025.

Within this, revenue from the credit solution business was RMB777.6 million (US$114.6 million), representing a decrease of 2% from RMB795.7 million in the first quarter of 2026 and a decrease of 48% from RMB1,489.6 million in the same period of 2025.

Revenue from the credit solution business accounted for 87% of total net revenue in the second quarter of 2026. The year-over-year decrease primarily reflected lower loan facilitation volume amid the industry's implementation of revised regulatory requirements for online loan facilitation. The revised framework introduced lower borrower all-in financing cost limits and more stringent funding-partner requirements relating to pricing and risk-adjusted returns. Against this backdrop, the Company moderated loan facilitation activity and increasingly concentrated originations among established repeat borrowers.

Revenue from the insurance brokerage business was RMB67.3 million (US$9.9 million), representing a decrease of 23% from RMB87.2 million in the first quarter of 2026 and an increase of 16% from RMB58.1 million in the same period of 2025. The year-over-year increase was primarily driven by the continued expansion of the Company's internet distribution business, which maintained strong momentum, together with steady growth in its traditional insurance operations. The sequential decrease mainly reflected lower estimated renewal rates for certain internet insurance products and the resulting adjustment to revenue from the existing portfolio.

Revenue from other businesses was RMB45.0 million (US$6.6 million), representing an increase of 40% from RMB32.2 million in the first quarter of 2026 and a decrease of 57% from RMB104.4 million in the same period of 2025. The year-over-year decrease mainly reflected the continued scaling down of the e-commerce business.

Sales and marketing expenses in the second quarter of 2026 were RMB126.9 million (US$18.7 million), representing an increase of 12% from RMB113.6 million in the first quarter of 2026 and a decrease of 63% from RMB345.2 million in the same period of 2025. The year-over-year decrease was primarily attributable to lower customer acquisition spending for the credit solution business as loan facilitation volume declined and the repeat-borrower mix increased. The sequential increase mainly reflected higher internet-based promotion service fees for customer acquisition in the internet insurance business.

Origination, servicing and other operating costs in the second quarter of 2026 were RMB189.6 million (US$27.9 million), representing a decrease of 4% from RMB197.6 million in the first quarter of 2026 and an increase of 18% from RMB160.9 million in the same period of 2025. The sequential decrease primarily reflected lower credit solution operating costs as loan facilitation volume and the outstanding loan balance declined. The year-over-year increase was mainly attributable to higher collection costs resulting from strengthened collection efforts, as well as higher operating costs associated with increased new business volume in the traditional insurance business.

Research and development expenses in the second quarter of 2026 were RMB113.1 million (US$16.7 million), representing an increase of 4% from RMB108.9 million in the first quarter of 2026 and an increase of 5% from RMB107.7 million in the same period of 2025. The modest increases reflected continued investment in AI-related research and development, including personnel and engineering capabilities.

General and administrative expenses in the second quarter of 2026 were RMB75.8 million (US$11.2 million), representing an increase of 8% from RMB70.5 million in the first quarter of 2026 and a decrease of 4% from RMB78.9 million in the same period of 2025.

Allowance for contract assets, receivables and others in the second quarter of 2026 was RMB502.8 million (US$74.1 million), compared with RMB176.4 million in the first quarter of 2026 and RMB214.7 million in the same period of 2025. The increase primarily reflected a provision for credit loss recognized on certain related-party loan receivables following a reassessment of their recoverability, as well as higher expected credit loss allowances on longer aging accounts receivable. These increases were partially offset by lower credit losses on financing and guarantee receivables.

Provision for contingent liabilities in the second quarter of 2026 was RMB233.3 million (US$34.4 million), representing a decrease of 63% from RMB632.2 million in the first quarter of 2026 and a decrease of 40% from RMB385.7 million in the same period of 2025. The decrease primarily reflected lower loan facilitation volume under the risk-taking model, which reduced expected future guarantee payouts, as well as a net reversal of provisions associated with the existing loan portfolio following updated credit assessments. The quarter-to-quarter decrease was further supported by lower expected net charge-off rates for newly originated loans.

Fair value adjustments loss in the second quarter of 2026 was RMB97.8 million (US$14.4 million), compared with a loss of RMB89.0 million in the first quarter of 2026 and a gain of RMB28.0 million in the same period of 2025. The fair value loss was primarily attributable to declines in the market value of the Company's digital assets and related investments, partially offset by fair value gains on trust investments.

Income tax expense in the second quarter of 2026 was RMB25.1 million (US$3.7 million).

Net loss for the second quarter of 2026, due to the foregoing, was RMB449.6 million (US$66.3 million), compared with a net loss of RMB494.7 million in the first quarter of 2026 and net income of RMB357.5 million in the same period of 2025.

Adjusted EBITDA [2] (non-GAAP) in the second quarter of 2026 was a loss of RMB340.7 million (US$50.2 million), compared with a loss of RMB336.8 million in the first quarter of 2026 and a gain of RMB351.4 million in the same period of 2025.

Basic and diluted loss per ADS in the second quarter of 2026 were both RMB5.1068 (US$0.7526), compared with basic and diluted loss per ADS of RMB5.6420 in the first quarter of 2026; and basic and diluted income per ADS of RMB4.1356 and RMB4.1072, respectively, in the same period of 2025.

Net cash used in operating activities in the second quarter of 2026 was RMB1,029.1 million (US$151.7 million), compared with RMB655.6 million used in the first quarter of 2026 and RMB411.2 million generated in the same period of 2025. The higher net operating cash outflow primarily reflected lower service fee collections amid reduced business volume, increased prepayments for collection, system support and marketing services, and continued indemnity payments under risk-taking model.

Net cash provided by investing activities in the second quarter of 2026 was RMB454.0 million (US$66.9 million), compared with RMB24.8 million used in the first quarter of 2026 and RMB752.2 million used in the same period of 2025. The change was primarily attributable to repayments from trust lending arrangements and proceeds from redemptions of funds and wealth management products, partially offset by new trust lending and other investment outflows.

Net cash used in financing activities in the second quarter of 2026 was RMB469.9 million (US$69.3 million), compared with RMB345.6 million used in the first quarter of 2026 and RMB447.6 million provided in the same period of 2025. The net financing cash outflow primarily reflected distributions of principal upon the liquidation of certain trust plans.

As of June 30, 2026, cash and cash equivalents were RMB1,696.7 million (US$250.1 million), compared with RMB2,453.1 million as of March 31, 2026. As of June 30, 2026, financial investments were RMB252.0 million (US$37.1 million), compared with RMB507.5 million as of March 31, 2026. The decrease in cash and cash equivalents primarily reflected net cash used in operating and financing activities, partially offset by net cash provided by investing activities. The decline in financial investments mainly reflected redemptions of funds and wealth management products and negative fair value movements.

As of June 30, 2026, delinquency rates [3] for loans that were past due for 1-30 days, 31-60 days and 61-90 days were 2.5%, 2.0% and 2.4%, respectively, compared with 2.5%, 2.7% and 3.2%, respectively, as of March 31, 2026.

Dividend Policy

The Board is evaluating a range of capital-allocation initiatives, including cash dividend payments and/or the recently announced share repurchase program, with a view to enhancing long-term shareholder value while maintaining a disciplined balance sheet and adequate financial flexibility.

Non-GAAP Financial Measures

In evaluating the business, the Company considers and uses several non-GAAP financial measures, such as adjusted EBITDA as a supplemental measure to review and assess operating performance. We believe such non-GAAP measure provides useful information about our core operating results, enhances the overall understanding of our past performance and prospects and allows for greater visibility with respect to key metrics used by our management in our financial and operational decision making. The presentation of non-GAAP financial measure is not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with accounting principles generally accepted in the United States of America ("U.S. GAAP"). The non-GAAP financial measure has limitations as analytical tools. Other companies, including peer companies in the industry, may calculate the non-GAAP measure differently, which may reduce their usefulness as a comparative measure. The Company compensates for these limitations by reconciling the non-GAAP financial measure to the nearest U.S. GAAP performance measure, all of which should be considered when evaluating our performance. See "Operating Highlights and Reconciliation of GAAP to Non-GAAP measures" at the end of this press release. The Company's non-GAAP financial measure excludes share-based compensation expenses, depreciation and amortization expenses, interest income and investment income, net, fair value adjustments related to digital assets and financial investments, and income tax benefit / (expense).   

Currency Conversion

This announcement contains currency conversions of certain RMB amounts into US$ at specified rates solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to US$ are made at a rate of RMB6.7851 to US$1.00, the effective noon buying rate on June 30, 2026, as set forth in the H.10 statistical release of the Federal Reserve Board.

Conference Call

Yiren Digital's management will host an earnings conference call at 8:00 a.m. U.S. Eastern Time on September 30, 2026 (or 8:00 p.m. Beijing/Hong Kong Time on September 30, 2026).

Participants who wish to join the call should register online in advance of the conference at:
https://dpregister.com/sreg/10211298/104ad33bf36

Once registration is completed, participants will receive the dial-in details for the conference call.

Additionally, a live and archived webcast of the conference call will be available at:
https://ir.yiren.com

[1] "Repeat borrowers' loan amount" refers to the proportion of total loan facilitation and origination volume through the Yixianghua platform in a given period that is generated by borrowers who have previously completed at least one successful drawdown during that period.

[2] "Adjusted EBITDA" is a non-GAAP financial measure. For more information, please see the final section and table captioned "Reconciliation of Adjusted EBITDA" at the end of this press release.

[3] "Delinquency rates" refers to the outstanding principal balance of loans that were 1-30 days, 31-60 days and 61-90 days past due as a percentage of the total performing outstanding principal balance of loans as of a specific date. Loans originating outside mainland China are not included in the calculation. A performing loan is one that is being repaid according to the agreed terms and has not become delinquent for more than 90 days.

Safe Harbor Statement

This press release contains forward-looking statements. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "aim," "anticipate," "believe," "estimate," "expect," "hope," "going forward," "intend," "ought to," "plan," "project," "potential," "seek," "may," "might," "can," "could," "will," "would," "shall," "should," "is likely to" and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident," and similar expressions. Forward-looking statements are based on management's current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company's filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law.

About Yiren Digital

Yiren Digital Ltd. is a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.

For further information:

Investor Relations, Email: [email protected]

Piacente Financial Communications, Email: [email protected]

Unaudited Condensed Consolidated Balance Sheets

 (in thousands)

As of

December 31,
2025

March 31,
2026

June 30,
2026

June 30,
2026

RMB

RMB

RMB

USD

        Cash and cash equivalents

3,348,126

2,453,140

1,696,719

250,065

        Restricted cash

522,708

383,363

85,183

12,554

        Accounts receivable

826,141

911,368

900,116

132,661

        Guarantee receivable

832,905

868,827

769,228

113,370

        Contract assets, net

619,291

305,106

137,000

20,191

        Contract cost

4,287

2,149

1,429

211

        Prepaid expenses and other assets

1,776,019

1,756,162

2,217,743

326,855

        Loans at fair value

342,895

156,134

47,406

6,987

        Financing receivables

909,182

938,958

773,807

114,045

        Amounts due from related parties

2,974,080

3,429,417

2,005,406

295,560

        Financial investments

483,700

507,528

251,962

37,135

        Equity investments

11,528

23,455

23,005

3,390

        Property, equipment and software, net

50,403

84,630

81,787

12,054

        Digital Assets

391,267

287,228

225,413

33,222

        Deferred tax assets

325,094

361,981

334,818

49,346

        Right-of-use assets

37,329

33,891

29,989

4,420

Total assets

13,454,955

12,503,337

9,581,011

1,412,066

        Accounts payable

79,630

93,759

61,289

9,033

        Amounts due to related parties

44,179

14,982

36,491

5,378

        Guarantee liabilities-stand ready

989,701

1,025,763

917,803

135,267

        Guarantee liabilities-contingent

1,300,097

1,172,209

815,618

120,207

        Deferred revenue

227

150

107

16

        Payable to investors of consolidated ABFE

1,294,792

941,068

470,067

69,279

        Accrued expenses and other liabilities

404,680

406,222

351,173

51,757

        Deferred tax liabilities

29,854

34,197

32,595

4,804

        Lease liabilities

39,758

35,289

33,252

4,901

Total liabilities

4,182,918

3,723,639

2,718,395

400,642

        Ordinary shares

133

134

133

20

        Additional paid-in capital

5,239,550

5,242,914

5,251,402

773,961

        Treasury stock

(170,686)

(170,686)

(170,686)

(25,156)

        Accumulated other comprehensive income

(2,517)

(17,369)

(36,659)

(5,403)

        Retained earnings

4,205,557

3,710,721

3,257,264

480,061

        Prepayment of acquisition costs to a related party under common
control *

-

-

(1,450,000)

(213,704)

Total Yiren Digital Ltd shareholders' equity

9,272,037

8,765,714

6,851,454

1,009,779

        Non-controlling interests

-

13,984

11,162

1,645

Total equity

9,272,037

8,779,698

6,862,616

1,011,424

Total liabilities and equity

13,454,955

12,503,337

9,581,011

1,412,066

* This balance represents the prepaid acquisition consideration made to a related party under common control for the Company's proposed
acquisition and was reclassified from amounts due from related parties to equity account because there is uncertainty on the completion of
the acquisition as well as the net assets of the acquisition target upon completion. The Company targets to close the acquisition during 2026,
subject to regulatory approval.

Unaudited Condensed Consolidated Statements of Operations

 (in thousands, except for share, per share and per ADS data, and percentages)

For the Three Months Ended 

For the Six Months Ended

June 30,
2025

March 31,
2026

June 30,
2026

June 30,
2026

June 30,
2025

June 30,
2026

June 30,
2026

RMB

RMB

RMB

USD

RMB

RMB

USD

Net revenue:

Loan facilitation services

874,584

(3,909)

31,120

4,587

1,616,978

27,211

4,010

Post-origination services

10,463

(41)

814

120

12,207

773

114

Guarantee services

316,942

519,155

493,806

72,778

635,339

1,012,961

149,292

Financing services

65,821

66,145

68,136

10,042

107,708

134,281

19,790

Insurance brokerage services

58,137

87,160

67,296

9,918

129,597

154,456

22,764

Electronic commerce services

93,962

921

1,908

281

278,036

2,829

417

Network and marketing services *

138,268

145,697

122,633

18,074

262,626

268,330

39,547

Technology services *

90,532

98,129

95,896

14,133

159,122

194,025

28,596

Others *

3,391

1,883

8,370

1,234

5,013

10,253

1,511

Total net revenue

1,652,100

915,140

889,979

131,167

3,206,626

1,805,119

266,041

Operating costs and expenses:

Sales and marketing

345,166

113,569

126,863

18,697

622,118

240,432

35,435

Origination,servicing and other operating costs

160,859

197,552

189,608

27,945

385,597

387,160

57,060

Research and development

107,693

108,933

113,109

16,670

193,647

222,042

32,725

General and administrative

78,862

70,504

75,816

11,174

174,699

146,320

21,565

Allowance for contract assets, receivables and others

214,698

176,424

502,821

74,107

367,503

679,245

100,109

Provision for contingent liabilities

385,674

632,219

233,289

34,382

796,437

865,508

127,560

Total operating costs and expenses

1,292,952

1,299,201

1,241,506

182,975

2,540,001

2,540,707

374,454

Other income/(loss):

Investment income

2,245

1,318

12,417

1,830

4,217

13,735

2,024

Interest income

22,353

12,498

12,310

1,814

44,587

24,808

3,657

Fair value adjustments gain/(loss)

28,018

(89,036)

(97,815)

(14,416)

(30,358)

(186,851)

(27,538)

Others, net

14,084

1,591

429

63

14,758

2,020

298

Total other income/(loss)

66,700

(73,629)

(72,659)

(10,709)

33,204

(146,288)

(21,559)

Income/(loss) before provision for income taxes

425,848

(457,690)

(424,186)

(62,517)

699,829

(881,876)

(129,972)

Share of results of equity investees

(4,431)

-

(371)

(55)

(4,560)

(371)

(55)

Income tax expense/(benefit)

63,877

37,024

25,058

3,693

90,223

62,082

9,150

Net income/(loss)

357,540

(494,714)

(449,615)

(66,265)

605,046

(944,329)

(139,177)

Net loss/(income) attributable to non-controlling interests

-

1,173

2,823

416

-

3,996

589

Net income/(loss) attributable to ordinary shareholders of
the Company

357,540

(493,541)

(446,792)

(65,849)

605,046

(940,333)

(138,588)

Weighted-average number of ordinary shares used in
computing basic net income/(loss) per share

172,907,793

174,951,573

174,976,922

174,976,922

172,854,331

174,964,318

174,964,318

Basic net income/(loss) per share attributable to
ordinary shareholders of the Company

2.0678

(2.8210)

(2.5534)

(0.3763)

3.5003

(5.3744)

(0.7921)

Basic diluted net income/(loss) per ADS attributable to
ordinary shareholders of the Company

4.1356

(5.6420)

(5.1068)

(0.7526)

7.0006

(10.7488)

(1.5842)

Weighted-average number of ordinary shares used in
computing diluted net income/(loss) per share

174,102,643

174,951,573

174,976,922

174,976,922

174,019,493

174,964,318

174,964,318

Diluted net income/(loss) per share attributable to
ordinary shareholders of the Company

2.0536

(2.8210)

(2.5534)

(0.3763)

3.4769

(5.3744)

(0.7921)

Diluted net income/(loss) per ADS attributable to
ordinary shareholders of the Company

4.1072

(5.6420)

(5.1068)

(0.7526)

6.9538

(10.7488)

(1.5842)

Unaudited Condensed Consolidated Cash Flow Data

Net cash generated from/(used in) operating activities

411,224

(655,588)

(1,029,107)

(151,672)

889,874

(1,684,695)

(248,293)

Net cash used in/(provided by) investing activities

(752,200)

(24,764)

454,017

66,914

(897,790)

429,253

63,264

Net cash provided by/(used in) financing activities

447,588

(345,590)

(469,907)

(69,256)

367,012

(815,497)

(120,190)

Effect of foreign exchange rate changes

(9,412)

(8,389)

(9,604)

(1,415)

(7,045)

(17,993)

(2,652)

Net increase/(decrease) in cash, cash equivalents and restricted cash

97,200

(1,034,331)

(1,054,601)

(155,429)

352,051

(2,088,932)

(307,871)

Cash, cash equivalents and restricted cash, beginning of
period

4,356,408

3,870,834

2,836,503

418,048

4,101,557

3,870,834

570,490

Cash, cash equivalents and restricted cash, end of period

4,453,608

2,836,503

1,781,902

262,619

4,453,608

1,781,902

262,619

* Given the Company's diversified revenue streams, Network and marketing services and Technology services are now separately presented from Other revenue, with the remaining balance classified as Others. Comparative figures for the prior period have been restated.

Operating Highlights and Reconciliation of GAAP to Non-GAAP Measures

(in thousands, except for number of  borrowers, number of insurance clients, cumulative number of insurance clients and percentages)

For the Three Months Ended 

For the Six Months Ended

June 30,
2025

March 31,
2026

June 30,
2026

June 30,
2026

June 30,
2025

June 30,
2026

June 30,
2026

RMB

RMB

RMB

USD

RMB

RMB

USD

Operating Highlights

Amount of loans facilitated 

20,347,799

8,910,760

6,302,596

928,888

35,585,722

15,213,356

2,242,171

Number of borrowers

1,637,912

531,500

424,489

424,489

2,466,710

832,248

832,248

Remaining principal of performing loans 

31,220,078

21,603,502

15,107,343

2,226,547

31,220,078

15,107,343

2,226,547

Cumulative number of insurance clients

1,681,888

2,357,951

2,712,793

2,712,793

1,681,888

2,712,793

2,712,793

Number of insurance clients

118,747

397,854

452,962

452,962

187,833

789,960

789,960

Gross written premiums

850,080

822,991

838,859

123,633

1,651,878

1,661,850

244,926

First year premium

440,353

536,332

532,946

78,547

852,850

1,069,278

157,592

Renewal premium

409,727

286,659

305,913

45,086

799,028

592,572

87,334

Segment Information

Credit solution business:

Revenue

1,489,587

795,746

777,638

114,610

2,784,067

1,573,384

231,888

Sales and marketing expenses

332,405

80,760

82,462

12,154

593,308

163,222

24,056

Origination, servicing and other operating costs

105,617

140,143

116,554

17,178

246,240

256,697

37,832

Allowance for contract assets, receivables and others

216,260

174,866

502,956

74,127

368,372

677,822

99,899

Provision for contingent liabilities

385,674

632,219

233,289

34,382

796,437

865,508

127,560

Insurance brokerage business:

Revenue

58,137

87,160

67,296

9,918

129,597

154,456

22,764

Sales and marketing expenses

2,731

2,388

20,922

3,083

5,526

23,310

3,435

Origination, servicing and other operating costs

52,683

54,475

69,044

10,176

134,123

123,519

18,205

Allowance for contract assets, receivables and others

564

(117)

107

16

(14)

(10)

(1)

Others:

Revenue

104,376

32,234

45,045

6,639

292,962

77,279

11,389

Sales and marketing expenses

10,030

30,421

23,479

3,460

23,284

53,900

7,944

Origination, servicing and other operating costs

2,559

2,934

4,010

591

5,234

6,944

1,023

Allowance for contract assets, receivables and others

45

188

107

16

(1,949)

295

43

Reconciliation of Adjusted EBITDA

Net income/(loss)

357,540

(494,714)

(449,615)

(66,265)

605,046

(944,329)

(139,177)

Interest income and investment income, net

(24,598)

(13,816)

(24,727)

(3,644)

(48,804)

(38,543)

(5,681)

Income tax expense/(benefit)

63,877

37,024

25,058

3,693

90,223

62,082

9,150

Depreciation and amortization

2,643

3,561

3,711

547

4,940

7,272

1,072

Share-based compensation

6,932

2,071

1,821

269

9,119

3,892

574

Fair value adjustments related to digital assets and
financial investments

(54,979)

129,059

103,064

15,190

15,845

232,123

34,210

Adjusted EBITDA

351,415

(336,815)

(340,688)

(50,210)

676,369

(677,503)

(99,852)

Adjusted EBITDA margin

21.3 %

-36.8 %

-38.3 %

-38.3 %

21.1 %

-37.5 %

-37.5 %

Delinquency Rates

1-30 days

31-60 days

61-90 days

December 31, 2022

1.7 %

1.2 %

1.1 %

December 31, 2023

2.0 %

1.4 %

1.2 %

December 31, 2024

1.6 %

1.2 %

1.1 %

December 31, 2025

3.4 %

3.0 %

2.8 %

March 31, 2026

2.5 %

2.7 %

3.2 %

June 30, 2026

2.5 %

2.0 %

2.4 %

90+ Days Delinquency Rates by Vintage

Loan Issued
Period

Month on Book

4

6

8

10

12

14

16

18

20

22

24

2022Q1

0.6 %

2.0 %

3.1 %

3.9 %

4.5 %

4.7 %

4.6 %

4.6 %

4.5 %

4.5 %

4.4 %

2022Q2

0.5 %

1.7 %

2.9 %

3.7 %

4.2 %

4.4 %

4.3 %

4.3 %

4.2 %

4.2 %

4.1 %

2022Q3

0.5 %

2.1 %

3.4 %

4.2 %

4.7 %

5.0 %

4.9 %

4.9 %

4.8 %

4.7 %

4.7 %

2022Q4

0.7 %

2.5 %

3.8 %

4.8 %

5.5 %

5.8 %

5.8 %

5.7 %

5.6 %

5.5 %

5.4 %

2023Q1

0.5 %

2.3 %

3.9 %

5.0 %

5.8 %

6.1 %

6.0 %

5.9 %

5.8 %

5.7 %

5.6 %

2023Q2

0.6 %

2.8 %

4.7 %

6.1 %

6.8 %

7.1 %

7.0 %

6.9 %

6.8 %

6.7 %

6.6 %

2023Q3

0.8 %

3.5 %

5.6 %

7.0 %

7.7 %

7.9 %

7.9 %

7.7 %

7.6 %

7.5 %

7.5 %

2023Q4

0.7 %

3.4 %

5.6 %

6.8 %

7.4 %

7.6 %

7.6 %

7.4 %

7.3 %

7.3 %

7.2 %

2024Q1

0.6 %

3.0 %

4.8 %

5.9 %

6.6 %

6.8 %

6.8 %

6.7 %

6.6 %

6.6 %

6.5 %

2024Q2

0.6 %

2.4 %

4.0 %

5.1 %

5.8 %

6.1 %

6.1 %

6.0 %

5.9 %

5.8 %

5.8 %

2024Q3

0.5 %

2.2 %

3.7 %

4.7 %

5.4 %

5.8 %

5.8 %

5.7 %

5.7 %

5.5 %

2024Q4

0.6 %

2.2 %

3.8 %

4.9 %

5.9 %

6.4 %

6.4 %

6.3 %

6.0 %

2025Q1

0.6 %

2.3 %

4.2 %

6.0 %

7.2 %

7.8 %

7.4 %

2025Q2

0.8 %

3.5 %

6.6 %

8.9 %

10.0 %

9.4 %

2025Q3

1.1 %

4.8 %

8.0 %

10.0 %

2025Q4

1.1 %

4.3 %

7.6 %

2026Q1

0.7 %

*The 90+ days delinquency rate by vintage refers to the outstanding principal balance of loans facilitated over
a specified period that are more than 90 days past due, as a percentage of the total loans facilitated during that
same period. Loans originating outside mainland China are excluded from the calculation.

SOURCE Yiren Digital Ltd.

Regional Management (NYSE:RM – Get Free Report) and Yirendai (NYSE:YRD – Get Free Report) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, risk, institutional ownership, analyst recommendations, earnings, profitability and dividends.

Analyst Recommendations This is a breakdown of current ratings and recommmendations for Regional Management and Yirendai, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Regional Management 0 2 2 0 2.50 Yirendai 1 0 0 0 1.00 Regional Management presently has a consensus price target of $43.00, suggesting a potential upside of 29.95%. Given Regional Management’s stronger consensus rating and higher probable upside, analysts plainly believe Regional Management is more favorable than Yirendai.

Earnings & Valuation This table compares Regional Management and Yirendai”s top-line revenue, earnings per share and valuation. Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Regional Management $645.60 million 0.47 $44.41 million $4.75 6.97 Yirendai $817.84 million 0.10 $7.80 million ($1.18) -0.83 Regional Management has higher earnings, but lower revenue than Yirendai. Yirendai is trading at a lower price-to-earnings ratio than Regional Management, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership 98.9% of Regional Management shares are held by institutional investors. Comparatively, 2.0% of Yirendai shares are held by institutional investors. 10.9% of Regional Management shares are held by insiders. Comparatively, 42.2% of Yirendai shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Dividends Regional Management pays an annual dividend of $1.20 per share and has a dividend yield of 3.6%. Yirendai pays an annual dividend of $0.20 per share and has a dividend yield of 20.5%. Regional Management pays out 25.3% of its earnings in the form of a dividend. Yirendai pays out -16.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Yirendai is clearly the better dividend stock, given its higher yield and lower payout ratio.

Volatility & Risk Regional Management has a beta of 1, indicating that its share price has a similar volatility profile to the S&P 500.Comparatively, Yirendai has a beta of 1.14, indicating that its share price is 14% more volatile than the S&P 500.

Profitability This table compares Regional Management and Yirendai’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets Regional Management 6.98% 12.49% 2.25% Yirendai -14.35% -7.58% -5.21% Summary Regional Management beats Yirendai on 11 of the 16 factors compared between the two stocks.

(Get Free Report)

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally-managed direct mail campaigns, and digital partners, as well as its consumer website. The company was incorporated in 1987 and is headquartered in Greer, South Carolina.

About Yirendai (Get Free Report)

Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

Receive News & Ratings for Regional Management Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Regional Management and related companies with MarketBeat.com's FREE daily email newsletter.

Hawkeye and DiTing helped prevent RMB165M (approximately US$23M) in fraud losses in 2025, reinforcing Yiren Digital's credit-risk discipline

, /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced that its AI-powered fraud detection systems intercepted 10,300 fraudulent borrowers across 14,500 cases in 2025, helping avoid RMB165 million (US$23 million) in fraud-related losses and demonstrating how enterprise AI can strengthen credit-risk management through AI-led fraud detection and intelligent decision-making.

As part of its broader "All-in-AI" strategy, Yiren Digital has established a proactive AI risk management framework spanning pre-loan, in-loan and post-loan processes. The framework combines the Company's Hawkeye fraud detection system, the DiTing intelligent decision-making platform, risk models, data analysis and specialist review to identify suspicious activity, improve underwriting quality and support timely intervention.

"Risk management is one of the clearest examples of how AI can create measurable value across highly regulated financial services," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "Our third-generation AI fraud detection technology represents a significant advancement in financial risk management, enabling more adaptive and precise detection while continuously responding to emerging fraud patterns. Built on years of innovation, this advanced platform is now available as an exportable service, enabling financial institutions and fintech companies to deploy enterprise-grade fraud protection without massive infrastructure investment."

Yiren Digital uses a monitoring-analysis-response-review process to track asset quality, compliance dynamics and other risk indicators, trigger warnings when specified thresholds are reached, and coordinate responses across risk control, legal and other functions, supporting more proactive portfolio risk management.

Its proprietary DiTing system applies AI models to analyze multidimensional information, including credit reports, user behavior and other authorized data, supporting fraud identification, refined credit-risk assessment and more consistent credit decisions. Hawkeye uses accumulated fraud cases and structured feedback to update screening rules and strengthen future detection.

Yiren Digital's AI Fraud Protection at Scale

Fraud losses avoided: In 2025, the Company intercepted 10,300 fraudulent borrowers across 14,500 cases, helping avoid RMB165 million (US$23 million) in losses. Cumulative fraud intelligence: As of the end of 2025, the Company's proprietary blacklist database contained approximately 800 million records. Hawkeye and DiTing had cumulatively identified more than 500,000 suspected fraudulent borrowers and 41,993 malicious actors associated with black-market operations. High-volume screening: DiTing supports AI-driven risk decisions with daily capacity to screen approximately 30,000 potentially risky credentials. Related document and identity-verification tools identify approximately 1,500 counterfeit documents and more than 1,000 video-fraud cases each day. Human oversight and governance: Hawkeye analyzes fraud-risk events using historical cases, risk-assessment results and algorithmic rules, and generates virtual work orders for fraud detection specialists. Automated identification is combined with human review to support consistent, reviewable decisions in higher-risk cases. The Company's fraud detection capabilities are built on its proprietary enterprise AI architecture, including the MagiCube 2.0 multi-agent platform, which provides common infrastructure for enterprise AI deployment across risk management and other core business functions, allowing proven AI capabilities to be deployed more efficiently across the organization.

These production AI deployments illustrate how Yiren Digital is applying enterprise AI beyond workflow automation to strengthen credit-risk management, improve fraud detection, enhance credit decision-making and help reduce potential fraud-related losses across regulated financial services.

Going forward, Yiren Digital will continue strengthening AI-enabled credit-risk management and governance across its credit and insurance operations, while enhancing model monitoring, explainability and human oversight across regulated business lines to support long-term asset quality, operational resilience and responsible AI deployment.

About Yiren Digital

Yiren Digital Ltd. is a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.

Safe Harbor Statement

This press release contains forward-looking statements. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "aim," "anticipate," "believe," "estimate," "expect," "hope," "going forward," "intend," "ought to," "plan," "project," "potential," "seek," "may," "might," "can," "could," "will," "would," "shall," "should," "is likely to" and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident," and similar expressions. Forward-looking statements are based on management's current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company's filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law.

SOURCE Yiren Digital Ltd.

, /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced the publication of its 2025 Environmental, Social and Governance ("ESG") Report, the Company's third annual ESG report.

Covering the year ended December 31, 2025, the report provides a comprehensive overview of Yiren Digital's progress across ESG governance, responsible innovation, inclusive financial services, low-carbon operations, employee development and community engagement.

"Sustainability is increasingly embedded in how we innovate, govern our business and serve our customers," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "In 2025, we continued to strengthen AI governance, expand inclusive and green finance, and invest in our environment, people and communities. As we advance our 'All-in-AI' strategy, we will continue to pair technological development with responsible practices that create durable value for our customers, employees, partners and shareholders."

The report was prepared with reference to the Global Reporting Initiative (GRI) Standards and benchmarked against the United Nations Sustainable Development Goals (UN SDGs).

Key Highlights from the 2025 ESG Report

Responsible AI and governance: In 2025, Yiren Digital advanced its AI model capabilities while tightening control over how those models are built and used. Its proprietary Zhiyu and Yizhi large language models completed the applicable regulatory filing process, and its MagiCube Agent Platform was upgraded to version 2.0 and expanded across six core operating areas. The Company also strengthened responsible AI controls through lifecycle model monitoring, restricted access to sensitive facial- and voice-recognition features, implemented human review in applicable risk-management scenarios, and created traceable records for AI-generated content and AI-driven decisions. Oversight sits within a newly established, three-tier ESG governance structure comprising the Board-level ESG Committee, Company management and an ESG working group. Female directors represented 28% of the Board, and business ethics training covered 100% of Board members and employees.

Inclusive and green finance: The Company maintained its focus on underserved borrowers and environmentally-conscious businesses. It facilitated RMB19.46 billion in unsecured credit loans for over 596,500 small business owners across more than 10 categories, including RMB2.70 billion in credit loans for more than 80,000 female business owners and RMB650 million for 17,400 agricultural business owners. The Company also facilitated RMB214 million in loans for 4,399 business owners in energy-efficiency-related industries and RMB41.01 million for 891 business owners in environmental protection monitoring.

Environmental and community responsibility: Beyond its core business, Yiren Digital worked to reduce its environmental footprint and widen its contribution to underserved communities. On operations, the Company's Beijing headquarters holds LEED Platinum certification, 100% of its servers, network equipment and office electronics met green environmental protection standards, and total greenhouse gas emissions fell 6% year over year, continuing a multi-year decline. On the community front, the Company's Taihua Campus rural revitalization program, run jointly with the CreditEase Foundation, has built 52 campuses across five provinces and reached more than 75,000 rural children since inception, with 85 teachers and nearly 17,500 rural students supported in 2025 alone. Also, in response to the July 2025 flooding in Beijing's Miyun District, Yiren Digital and the Beijing CreditEase Foundation contributed RMB200,000 toward emergency supplies, road repairs and home rebuilding for affected residents.

The report underscores Yiren Digital's growing contributions to responsible AI development and innovation, financial inclusion, environmental protection and social impact. The Company remains dedicated to promoting sustainability and strengthening ESG management and disclosure while advancing its AI-native strategy.

To view Yiren Digital's full 2025 ESG Report, please visit: https://ir.yiren.com/ESG-Reports.

About Yiren Digital

Yiren Digital Ltd. is a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.

Safe Harbor Statement

This press release contains forward-looking statements. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "aim," "anticipate," "believe," "estimate," "expect," "hope," "going forward," "intend," "ought to," "plan," "project," "potential," "seek," "may," "might," "can," "could," "will," "would," "shall," "should," "is likely to" and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident," and similar expressions. Forward-looking statements are based on management's current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company's filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law.

SOURCE Yiren Digital Ltd.

Staged Investment Rights Provide a Pathway Toward Potential Majority Ownership in a Fast-Growing, Internationally Focused AI Application Company

, /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced that it has entered into a warrant agreement with a privately held AI-native company (the "Target Company") focused on immersive AI entertainment and emotional wellness with a predominantly international footprint. The arrangement further advances the Company's "All-in-AI" strategy and its expansion into the AI entertainment and emotional wellness vertical.

The name of the Target Company is not disclosed due to confidentiality obligation. The agreement marks the fourth AI company with which Yiren Digital has entered into a warrant agreement, reflecting the Company's disciplined approach to acquiring potential controlling interests while deploying capital efficiently to create long-term shareholder value. Under the agreement, the Company has the right to exercise the warrant, to acquire a combination of existing and newly issued shares at a predetermined price with the objective of becoming the controlling shareholder. These rights are staged investment rights and do not constitute current control, de facto control, or consolidation. Any future change in ownership will occur only upon satisfaction of contractual conditions and completion of required payments, and all subsequent exercises will be subject to applicable regulatory requirements and corporate governance procedures. Upon completion of the warrant exercise, the Target Company is expected to become part of Yiren Digital's forthcoming AI Entertainment and Emotional Wellness business segment.

The Target Company operates in the rapidly growing AI-powered digital companion market, a key segment within AI entertainment. Its platform offers immersive, story-driven AI experiences designed to foster deep user engagement while providing personalized companionship experiences through intelligent AI interactions. By combining rich storytelling with adaptive AI characters, the platform creates meaningful user experiences that extend beyond conventional chatbot applications. The Target Company has established a leading position across Southeast Asia and Greater China, including Vietnam, Thailand, and Taiwan region, and is developing its own proprietary, purpose-built AI roleplay model. By combining high-quality user interactions with proprietary model development, the Target Company aims to create a self-reinforcing data and model improvement cycle that continuously enhances user experience.

"We believe the future of AI lies not only in improving productivity, but also in creating richer and more meaningful human experiences," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "Platforms that combine immersive content, emotional engagement, and proprietary AI technologies represent an exciting new frontier. We will continue to invest in AI-native businesses that complement our ecosystem in order to create long-term value for our users and shareholders."

Expanding into AI Entertainment

The Target Company operates in AI companionship and roleplay entertainment, an emerging segment of AI entertainment that Yiren Digital believes represents one of the consumer AI formats with the clearest user demand and monetization potential. Through this and related investments, the Company aims to build a leading presence in AI entertainment, combining immersive, narrative-driven experiences with Yiren Digital's proprietary AI capabilities, operating resources and commercialization experience.

User Traction and International Momentum

According to unaudited operating data provided by the Target Company, as of June 2026, the platform had reached over 3 million cumulative users and over 150,000 cumulative paying users, with a DAU/MAU ratio of approximately 44%, and an unaudited annualized revenue run-rate exceeding US$10 million. The business is predominantly international, with strong momentum across selected Southeast Asian and Greater China markets, including Thailand, Vietnam and Taiwan region. Building on this regional traction, the Target Company intends to expand its marketing and user acquisition efforts in the United States and other Western markets.

Advancing Yiren Digital's AI Application-Layer Strategy

Yiren Digital views AI entertainment and emotional wellness as an important extension of its AI application-layer strategy, providing large-scale consumer engagement, proprietary interaction data and recurring monetization opportunities that complement its established fintech platform. In this sector, the Company intends to pursue a disciplined path to scale while continuing to evaluate additional investment and collaboration opportunities in AI-native consumer applications. If the warrant is exercised and all applicable conditions are satisfied, the Target Company could become an important part of Yiren Digital's AI entertainment and emotional wellness vertical.

About Yiren Digital

Yiren Digital Ltd. is a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.

Safe Harbor Statement

This press release contains forward-looking statements. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "aim," "anticipate," "believe," "estimate," "expect," "hope," "going forward," "intend," "ought to," "plan," "project," "potential," "seek," "may," "might," "can," "could," "will," "would," "shall," "should," "is likely to" and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident," and similar expressions. Forward-looking statements are based on management's current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company's filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law.

SOURCE Yiren Digital Ltd.

Yiren Digital Ltd. (YRD) Q1 2026 Earnings Call Prepared Remarks Transcript

, /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced that it plans to release its unaudited financial results for the first quarter ended March 31, 2026 before U.S. market opens on Thursday, June 25, 2026.

Yiren Digital's management will host an earnings conference call at 8:00 a.m. U.S. Eastern Time on June 25, 2026 (or 8:00 p.m. Beijing/Hong Kong Time on June 25, 2026).

Participants who wish to join the call should register online in advance of the conference at: https://dpregister.com/sreg/10209861/10439ec2351.

Once registration is completed, participants will receive the dial-in details for the conference call.

Additionally, a live and archived webcast of the conference call will be available at https://ir.yiren.com.

About Yiren Digital

Yiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.

SOURCE Yiren Digital

LOS ANGELES--(BUSINESS WIRE)--The Schall Law Firm, a national shareholder rights litigation firm, announces that it is investigating claims on behalf of investors of Yiren Digital Ltd. (“Yiren” or “the Company”) (NYSE: YRD) for violations of the securities laws.

The investigation focuses on whether the Company issued false and/or misleading statements and/or failed to disclose information pertinent to investors. Yiren announced its Q4 and full year 2025 financial results on March 19, 2026. The Company’s revenue was significantly below its guidance, and it suffered a net loss after reporting a profit in the prior-year period. The Company reported worsening delinquency rates for multiple categories. Based on this news, the Company’s ADRs fell by more than 44.8% on the same day.

If you are a shareholder who suffered a loss, click here to participate.

We also encourage you to contact Brian Schall of the Schall Law Firm, 2049 Century Park East, Suite 2460, Los Angeles, CA 90067, at 310-301-3335, to discuss your rights free of charge. You can also reach us through the firm's website at www.schallfirm.com, or by email at [email protected].

The Schall Law Firm represents investors around the world and specializes in securities class action lawsuits and shareholder rights litigation.

This press release may be considered Attorney Advertising in some jurisdictions under the applicable law and rules of ethics.

NEW YORK, April 2, 2026 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of Yiren Digital Ltd. ("Yiren" or the "Company") (NYSE: YRD).

NEW YORK, April 07, 2026 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of Yiren Digital Ltd. (“Yiren” or the “Company”) (NYSE: YRD). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.   

The investigation concerns whether Yiren and certain of its officers and/or directors have engaged in securities fraud or other unlawful business practices. 

[Click here for information about joining the class action]

On March 19, 2026, Yiren announced its financial results for the fourth quarter and full year ended December 31, 2025.  Among other items, the Company reported fourth quarter revenue of approximately RMB 957.6 million, representing a decline of approximately 34% year-over-year and significantly below previously issued guidance of RMB 1.4 billion to RMB 1.6 billion.  Yiren also reported a net loss of approximately RMB 882.2 million for the quarter, compared to net income of approximately RMB 331.4 million in the prior-year period.  Yiren further disclosed that its provision for contingent liabilities increased significantly to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the prior quarter.  The Company also reported worsening delinquency rates across multiple categories, including increases in 1–30 day, 31–60 day, and 61–90 day delinquency rates compared to the prior quarter.  Yiren attributed these results to several factors, including a decline in service fee rates under a new regulatory framework, a strategic reduction in loan facilitation volume, and a higher-risk asset profile. 

On this news, Yiren’s American Depositary Receipt (“ADR”) price fell $1.65 per ADR, or 44.84%, to close at $2.03 per ADR on March 19, 2026.

Pomerantz LLP, with offices in New York, Chicago, Los Angeles, London, Paris, and Tel Aviv, is acknowledged as one of the premier firms in the areas of corporate, securities, and antitrust class litigation. Founded by the late Abraham L. Pomerantz, known as the dean of the class action bar, Pomerantz pioneered the field of securities class actions. Today, more than 85 years later, Pomerantz continues in the tradition he established, fighting for the rights of the victims of securities fraud, breaches of fiduciary duty, and corporate misconduct. The Firm has recovered numerous multimillion-dollar damages awards on behalf of class members. See www.pomlaw.com.

Attorney advertising.  Prior results do not guarantee similar outcomes.    

CONTACT:
Danielle Peyton
Pomerantz LLP
[email protected]
646-581-9980 ext. 7980

NEW YORK, April 14, 2026 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of Yiren Digital Ltd. (“Yiren” or the “Company”) (NYSE: YRD). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.   

The investigation concerns whether Yiren and certain of its officers and/or directors have engaged in securities fraud or other unlawful business practices. 

[Click here for information about joining the class action]

On March 19, 2026, Yiren announced its financial results for the fourth quarter and full year ended December 31, 2025. Among other items, the Company reported fourth quarter revenue of approximately RMB 957.6 million, representing a decline of approximately 34% year-over-year and significantly below previously issued guidance of RMB 1.4 billion to RMB 1.6 billion. Yiren also reported a net loss of approximately RMB 882.2 million for the quarter, compared to net income of approximately RMB 331.4 million in the prior-year period. Yiren further disclosed that its provision for contingent liabilities increased significantly to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the prior quarter. The Company also reported worsening delinquency rates across multiple categories, including increases in 1–30 day, 31–60 day, and 61–90 day delinquency rates compared to the prior quarter. Yiren attributed these results to several factors, including a decline in service fee rates under a new regulatory framework, a strategic reduction in loan facilitation volume, and a higher-risk asset profile. 

On this news, Yiren’s American Depositary Receipt (“ADR”) price fell $1.65 per ADR, or 44.84%, to close at $2.03 per ADR on March 19, 2026.

Pomerantz LLP, with offices in New York, Chicago, Los Angeles, London, Paris, and Tel Aviv, is acknowledged as one of the premier firms in the areas of corporate, securities, and antitrust class litigation. Founded by the late Abraham L. Pomerantz, known as the dean of the class action bar, Pomerantz pioneered the field of securities class actions. Today, more than 85 years later, Pomerantz continues in the tradition he established, fighting for the rights of the victims of securities fraud, breaches of fiduciary duty, and corporate misconduct. The Firm has recovered numerous multimillion-dollar damages awards on behalf of class members. See www.pomlaw.com.

Attorney advertising. Prior results do not guarantee similar outcomes.    

CONTACT:
Danielle Peyton
Pomerantz LLP
[email protected]
646-581-9980 ext. 7980

, /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of Yiren Digital Ltd. ("Yiren" or the "Company") (NYSE: YRD).  Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.  

The investigation concerns whether Yiren and certain of its officers and/or directors have engaged in securities fraud or other unlawful business practices. 

[Click here for information about joining the class action]

On March 19, 2026, Yiren announced its financial results for the fourth quarter and full year ended December 31, 2025.  Among other items, the Company reported fourth quarter revenue of approximately RMB 957.6 million, representing a decline of approximately 34% year-over-year and significantly below previously issued guidance of RMB 1.4 billion to RMB 1.6 billion.  Yiren also reported a net loss of approximately RMB 882.2 million for the quarter, compared to net income of approximately RMB 331.4 million in the prior-year period.  Yiren further disclosed that its provision for contingent liabilities increased significantly to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the prior quarter.  The Company also reported worsening delinquency rates across multiple categories, including increases in 1–30 day, 31–60 day, and 61–90 day delinquency rates compared to the prior quarter.  Yiren attributed these results to several factors, including a decline in service fee rates under a new regulatory framework, a strategic reduction in loan facilitation volume, and a higher-risk asset profile. 

On this news, Yiren's American Depositary Receipt ("ADR") price fell $1.65 per ADR, or 44.84%, to close at $2.03 per ADR on March 19, 2026.

Pomerantz LLP, with offices in New York, Chicago, Los Angeles, London, Paris, and Tel Aviv, is acknowledged as one of the premier firms in the areas of corporate, securities, and antitrust class litigation. Founded by the late Abraham L. Pomerantz, known as the dean of the class action bar, Pomerantz pioneered the field of securities class actions. Today, more than 85 years later, Pomerantz continues in the tradition he established, fighting for the rights of the victims of securities fraud, breaches of fiduciary duty, and corporate misconduct. The Firm has recovered numerous multimillion-dollar damages awards on behalf of class members. See www.pomlaw.com.

Attorney advertising.  Prior results do not guarantee similar outcomes.  

CONTACT:
Danielle Peyton
Pomerantz LLP
[email protected]
646-581-9980 ext. 7980

SOURCE Pomerantz LLP