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Broader AI adoption improves productivity across asset recovery and enterprise operations

, /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 measurable operating efficiency improvements as it continues to deploy AI agents across core enterprise workflows. Broader AI adoption is reducing manual intervention, increasing workforce productivity and creating greater operating leverage by automating high-volume processes across multiple business functions.

These deployments are a key component of Yiren Digital's "All-in-AI" strategy and its broader transition from AI-assisted productivity toward agent-driven execution. By embedding AI agents into core workflows, the Company is creating reusable operating capabilities that can be deployed across its businesses, supporting greater efficiency and reducing the cost of extending automation into new functions.

"Our objective is not simply to automate individual tasks, but to fundamentally improve how work is performed across the enterprise," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "As AI agents take on more of our high-volume, demanding workflows, the productivity gains are becoming a structural part of how we run the business, not a one-time efficiency project. We will continue to deepen AI integration across our existing businesses while extending reusable capabilities into additional verticals."

The AI deployments are supported by the Company's proprietary enterprise AI architecture, including MagiCube 2.0, its upgraded multi-agent platform. The platform provides common infrastructure for agents deployed across marketing, customer service, capital operations, risk management, compliance and research and development, with more than 10 reusable foundational capabilities, supporting enterprise-wide execution.

Measurable Operating Impact

Lower manual intervention: The human handling rate in asset-recovery operations decreased from 45.0% to 24.9%, representing a 20.1-percentage-point decline, an approximately 44.6% relative reduction in manual intervention.

Higher staff productivity: The number of service tickets handled per asset-recovery staff member within the applicable Month 1 workflow increased from 358 to 525, an improvement of approximately 47%.

Expanded agent adoption: AI agents accounted for 81% of service tickets within eligible Day 1 asset-recovery workflows in 2025, up from 50% in 2024. The Company also deployed AI agents selectively in later-stage workflows, accounting for 20% of eligible service tickets at Day 4, 14% at Day 16 and 20% at Month 2. Each percentage is calculated separately for the relevant stage and should not be interpreted as a sequential adoption trend.

Enterprise-wide reuse: MagiCube 2.0 supports agent deployment across six enterprise functions, allowing the Company to apply common AI capabilities to a broader range of regulated and high-volume workflows.

Enterprise-scale AI execution: The Fengchao AI voice agent processes approximately 1,500 hours of real-time speech-to-text activity each day. The LingShu intelligent marketing platform executes more than 1,700 tasks daily and generates individualized communication content in an average of 0.6 seconds.

Building Enterprise Operating Leverage Through AI

As AI deployment expands across the enterprise, Yiren Digital is increasingly shifting repetitive, high-volume tasks from human-assisted processes toward agent-driven execution. By combining AI agents with centralized orchestration and governance, the Company is improving operating consistency, strengthening workforce productivity and creating reusable capabilities that increase operating leverage as AI is deployed across additional business functions.

Yiren Digital plans to continue expanding agent-driven workflows across its credit and insurance operations, as part of its ongoing All-in-AI strategy, while strengthening the shared architecture and governance that support enterprise-wide AI deployment. These capabilities are designed to scale across multiple use cases and provide a foundation for the Company's broader expansion into AI application-layer opportunities, including AI entertainment and AI-assisted language learning.

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 fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced that its board of directors has authorized a new share repurchase program, under which the Company may repurchase up to 10% of total issued and outstanding Ordinary Shares and/or American depositary shares ("ADSs") for up to US$20 million over the next 12 months, effective as of the date hereof.

The Company's proposed repurchases may be made from time to time in the open market at prevailing market prices, in privately negotiated transactions, in block trades and/or through other legally permissible means, including through Rule 10b5-1 trading plans, depending on market conditions and in accordance with applicable laws, rules and regulations. The timing and amount of repurchases, if any, will be subject to market conditions, trading price, trading volume and other factors. The Company's board of directors will review the share repurchase program periodically and may authorize adjustments to its terms and size. The Company expects to fund the repurchases from its existing cash balance.

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.

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 fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced its unaudited financial results for the first quarter ended March 31, 2026.

First Quarter 2026 Operational Results

Credit Solution Business

Total loans facilitated in the first quarter of 2026 were RMB8.9 billion (US$1.3 billion), representing a decrease of 26% compared to RMB12.0 billion in the fourth quarter of 2025, and a decrease of 42% compared to RMB15.2 billion in the same period of 2025. Number of borrowers served in the first quarter of 2026 was 531,500, representing a decrease of 28% compared to 742,444 in the fourth quarter of 2025, and a decrease of 61% compared to 1,375,406 in the same period of 2025. Repeat borrowers' loan amount[1] accounted for 78% of the total loans facilitated in the first quarter of 2026, compared to 77% in the fourth quarter of 2025, and 74% in the same period of 2025. Cumulative number of borrowers served reached 14,518,023 as of March 31, 2026, representing an increase of 2% from 14,295,499 as of December 31, 2025, and an increase of 12% from 12,909,436 as of March 31, 2025. Average loan size was RMB11,991 during the first quarter of 2026, an increase of 5% from RMB11,454 in the fourth quarter of 2025, and an increase of 67% from RMB7,176 in the same period of 2025. Outstanding balance of performing loans facilitated was RMB21.6 billion (US$3.1 billion) as of March 31, 2026, representing a decrease of 24% from RMB28.6 billion as of December 31, 2025, and a decrease of 21% from RMB27.5 billion as of March 31, 2025. Insurance Brokerage Business

Number of insurance clients during the first quarter of 2026 was 397,854, representing an increase of 49% from 267,730 in the fourth quarter of 2025 and a 413% year-over-year increase from 77,541 in the same period of 2025. Cumulative number of insurance clients was 2,357,951 as of March 31, 2026, representing an increase of 16% from 2,035,550 as of December 31, 2025, and a 48% year-over-year increase from 1,590,394 as of March 31, 2025. Number of new insurance policies in the first quarter of 2026 was 999,575, representing a 21% increase from 824,225 in the fourth quarter of 2025, and a 135% year-over-year increase from 425,044 in the same period of 2025. Recent Developments

All-in-AI Strategic Updates

Enterprise AI Architecture Rollout: The Company's MagiCube multi-agent platform launched an upgraded 2.0 version with two additional specialized layers: XuanJi, the execution layer for facilitating human-to-enterprise workflows, and ZhiNao, the enterprise-AI AgentOS for multi-agent orchestration. The system is currently used within the Company and is being tested for external deployment. The Company also introduced AI Buddy, the employee office co-pilot within its enterprise AI workspace platform, giving knowledge-intensive employees direct access to enterprise data, agentic workflows and approved AI tools, to enable faster decisions and higher productivity. AI Application-Layer Strategic Investments Expansion: The Company has made seed investments in three early-stage, high-growth AI application companies, covering AI entertainment, AI-assisted language learning and AI research productivity tools. "During the first quarter of 2026, we continued to demonstrate resilience and strong execution across our businesses," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "We maintained a highly disciplined approach in our credit solutions business while driving robust customer growth in our insurance brokerage business, further diversifying our revenue streams. At the same time, we are rapidly advancing our 'All-in-AI' strategy, deepening AI integration across our existing operations and actively expanding our AI application portfolio. Each of these steps accelerates our evolution into an AI-native, multi-industry operating platform, which we expect will unlock significant new growth and enduring value for our Company."

"The credit performance of our newly originated loan assets continued to improve during the quarter, and the overall quality of our loan portfolio has successfully stabilized," Mr. William Hui, Chief Financial Officer of Yiren Digital, said. "The underlying risk trends of our legacy book continue to improve, and we expect to see more meaningful profitability gains in the second half of the year. Meanwhile, we remain focused on optimizing capital allocation and improving investment efficiency to further strengthen our financial position and long-term competitiveness."

First Quarter 2026 Financial Results

Total net revenue in the first quarter of 2026 was RMB915.1 million (US$132.7 million), compared to RMB957.6 million in the fourth quarter of 2025, representing a decrease of 41% from RMB1,554.5 million in the same period of 2025.

Within this, revenue from the credit solution business was RMB795.7 million (US$115.4 million), representing a slight decrease of 4% from RMB832.7 million in the fourth quarter of 2025, and a decrease of 39% compared to the same period in 2025. The decrease was primarily due to lower loan facilitation volume and a reduced service fee rate under the new regulatory framework, as the Company continued to prioritize risk-adjusted growth and maintain a disciplined operating strategy amid evolving market conditions. Revenue from the credit solution business accounted for 87% of total net revenue in the first quarter of 2026, unchanged from the fourth quarter of 2025.

Revenue from the insurance brokerage business was RMB87.2 million (US$12.6 million) in the first quarter of 2026, representing an increase of 4% from RMB83.8 million in the fourth quarter of 2025, and an increase of 22% from RMB71.5 million in the same period of 2025. The sequential and year-over-year growth was primarily driven by the continued expansion of the Company's internet distribution business, which has maintained strong momentum since mid-2025. As a result, the internet distribution business contributed 29% of the insurance brokerage business segment's revenue in the first quarter of 2026, compared with 22% in the fourth quarter of 2025, reflecting the ongoing optimization of the Company's business mix and digital distribution capabilities.

Revenue from other businesses was RMB32.2 million (US$4.7 million), compared with RMB41.1 million in the fourth quarter of 2025 and RMB188.6 million in the same period of 2025. The decrease was mainly attributable to the continued scaling down of the e-commerce business.

Sales and marketing expenses in the first quarter of 2026 were RMB113.6 million (US$16.5 million), compared to RMB206.1 million in the fourth quarter of 2025 and RMB277.0 million in the same period of 2025. The decrease was primarily attributable to lower customer acquisition and marketing spending as the Company maintained a disciplined approach to loan facilitation growth. In addition, the contribution of repeat borrowers increased to 78% in the first quarter of 2026 from 74% in the same period of 2025. The cost decline was further supported by improved marketing efficiency driven by AI-assisted precision marketing initiatives.

Origination, servicing and other operating costs in the first quarter of 2026 were RMB197.6 million (US$28.6 million), compared to RMB250.9 million in the fourth quarter of 2025 and RMB224.7 million in the same period of 2025. The cost decrease was primarily attributable to continued operational cost optimization within the insurance brokerage business, driven by the ongoing transition toward more efficient digital distribution channels and a reduced reliance on traditional distribution operations.

Research and development expenses in the first quarter of 2026 were RMB108.9 million (US$15.8 million), compared to RMB121.4 million in the fourth quarter of 2025 and RMB86.0 million in the same period of 2025. The year-over-year increase in R&D expenses was mainly due to increased recruitment of senior AI R&D talent to support the execution of the 2026 All-in-AI strategy.

General and administrative expenses in the first quarter of 2026 were RMB70.5 million (US$10.2 million), compared to RMB43.0 million in the fourth quarter of 2025 and RMB95.8 million in the same period of 2025. The year-over-year decrease was primarily due to enhanced overall corporate efficiency.

Allowance for contract assets, receivables and others in the first quarter of 2026 was RMB176.4 million (US$25.6 million), compared to RMB302.8 million in the fourth quarter of 2025 and RMB152.8 million in the same period of 2025. The year-over-year increase was primarily driven by higher credit loss provisions recognized on accounts receivable, financing receivables and guarantee receivables, partially offset by reduced credit loss provisions on contract assets amid scaled-back loan facilitation activities. The quarter-over-quarter decline mainly reflected stabilized credit performance in the first quarter of 2026, together with no material portfolio revaluation adjustments recorded in the current period—such adjustments had been recorded in the fourth quarter of 2025 from updated expected loss assumptions.

Provision for contingent liabilities in the first quarter of 2026 was RMB632.2 million (US$91.7 million), compared to RMB1,110.1 million in the fourth quarter of 2025 and RMB410.8 million in the same period of 2025. The year-over-year increase was primarily attributable to higher loan volume under the risk-taking model[2] and increased expected loss provisions for newly originated loans. The quarter-over-quarter decline mainly reflected a stabilized asset risk level and no material portfolio revaluation adjustments recorded.

Fair value adjustments loss in the first quarter of 2026 was RMB89.0 million (US$12.9 million), compared to RMB62.0 million in the fourth quarter of 2025 and RMB58.4 million in the same period of 2025. The increase in fair value loss is attributable to fair value adjustment in crypto assets reflecting change in market value of the digital assets.

Income tax expense in the first quarter of 2026 was RMB37.0 million (US$5.4 million).

Net loss for the first quarter of 2026 was RMB494.7 million (US$71.7 million), compared to a net loss of RMB868.2 million in the fourth quarter of 2025 and a net income of RMB247.5 million in the same period of 2025. The year-over-year change was mainly attributable to reduced credit solution business scale, reflecting lower overall loan origination volume, lower service fee rates under the new regulatory framework and higher credit-related costs. The quarter-over-quarter improvement primarily reflects a stabilized risk level and no material portfolio revaluation adjustments recorded with the risk-taking model. The improvement was further supported by improved asset quality, higher revenue contribution from the insurance brokerage business through internet distribution channels, and continued operational efficiency gains driven by AI-enabled cost optimization.

Adjusted EBITDA[3] (non-GAAP) in the first quarter of 2026 was a loss of RMB336.8 million (US$48.8 million), compared to a loss of RMB1,028.5 million in the fourth quarter of 2025 and a gain of RMB325.0 million in the same period of 2025.

Basic and diluted loss per ADS in the first quarter of 2026 were both RMB5.6420 (US$0.8180), compared to basic and diluted loss per ADS of both RMB9.9624 in the fourth quarter of 2025; and basic and diluted income per ADS of RMB2.8646 and RMB2.8460, respectively, in the same period of 2025.

Net cash used in operating activities in the first quarter of 2026 was RMB655.6 million (US$95.0 million), compared to RMB180.8 million used in operating activities in the fourth quarter of 2025, and to RMB478.7 million generated from operating activities in the same period of 2025. The higher net operating cash outflow for the period is primarily attributable to prepayments of operating costs and expenses, longer collection terms for operating receivables and higher indemnity disbursements under the risk-taking model.

Net cash used in investing activities in the first quarter of 2026 was RMB24.8 million (US$3.6 million), compared to RMB29.2 million provided by investing activities in the fourth quarter of 2025 and RMB145.6 million used in investing activities in the same period of 2025.

Net cash used in financing activities in the first quarter of 2026 was RMB345.6 million (US$50.1 million), compared to RMB234.1 million in the fourth quarter of 2025 and RMB80.6 million in the same period of 2025.

As of March 31, 2026, cash and cash equivalents were RMB2,453.1 million (US$355.6 million), compared to RMB3,348.1 million as of December 31, 2025. As of March 31, 2026, the balance of financial investments was RMB507.5 million (US$73.6 million), compared to RMB483.7 million as of December 31, 2025.

As of March 31, 2026, delinquency rates[4] for loans that were past due for 1-30 days, 31-60 days and 61-90 days were 2.5%, 2.7% and 3.2%, respectively, compared to 3.4%, 3.0% and 2.8%, respectively, as of December 31, 2025.

Recent Updates

The Company issued a statement in May regarding media reports relating to certain financial products offered by affiliates of the Company's controlling shareholder. Those matters are unrelated to the Company. Management is monitoring the situation closely and will make further disclosures as required under applicable laws, regulations, and listing standards.

Dividend Policy

Under the Company's semi-annual dividend policy, the Board will review operating results and evaluate the Company's cash dividend policy for the first half of 2026 following the conclusion of the second quarter.

Non-GAAP Financial Measures

In evaluating the business, the Company considers and uses several non-GAAP financial measures, such as adjusted EBITDA and adjusted EBITDA margin as supplemental measures to review and assess operating performance. We believe these non-GAAP measures provide useful information about our core operating results, enhance the overall understanding of our past performance and prospects and allow for greater visibility with respect to key metrics used by our management in our financial and operational decision-making. The presentation of these non-GAAP financial measures 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 measures have limitations as analytical tools. Other companies, including peer companies in the industry, may calculate these non-GAAP measures differently, which may reduce their usefulness as a comparative measure. The Company compensates for these limitations by reconciling the non-GAAP financial measures 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.

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 RMB6.8980 to US$1.00, the effective noon buying rate on March 31, 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 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.

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

[2] "The risk-taking model" refers to the framework in which Yiren Digital assumes the credit risk for the loans facilitated on its platform.

[3] "Adjusted EBITDA" is a non-GAAP financial measure. For more information on this non-GAAP financial measure, please see the section of "Operating Highlights and Reconciliations of GAAP to Non-GAAP Measures" and the table captioned "Reconciliations of Adjusted EBITDA" set forth at the end of this press release.

[4] "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. We define a performing loan as 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 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.

Unaudited Condensed Consolidated Statements of Operations

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

For the Three Months Ended 

March 31,
2025

March 31,
2026

March 31,
2026

RMB

RMB

USD

Net revenue:

Loan facilitation services

742,394

(3,909)

(567)

Post-origination services

1,744

(41)

(6)

Guarantee services

318,397

519,155

75,262

Financing services

41,887

66,145

9,589

Insurance brokerage services

71,460

87,160

12,636

Electronic commerce services

184,074

921

133

Network and marketing services *

124,358

145,697

21,122

Technology services *

68,590

98,129

14,226

Others *

1,622

1,883

273

Total net revenue

1,554,526

915,140

132,668

Operating costs and expenses:

Sales and marketing

276,952

113,569

16,464

Origination,servicing and other operating costs

224,738

197,552

28,639

Research and development

85,954

108,933

15,792

General and administrative

95,837

70,504

10,221

Allowance for contract assets, receivables and others

152,805

176,424

25,576

Provision for contingent liabilities

410,763

632,219

91,653

Total operating costs and expenses

1,247,049

1,299,201

188,345

Other income/(loss):

Investment income

1,281

1,318

191

Interest income

22,925

12,498

1,812

Fair value adjustments loss

(58,376)

(89,036)

(12,908)

Others, net

674

1,591

231

Total other loss

(33,496)

(73,629)

(10,674)

Income/(loss) before provision for income taxes

273,981

(457,690)

(66,351)

Share of results of equity investees

(129)

-

-

Income tax expense

26,346

37,024

5,368

Net income/(loss)

247,506

(494,714)

(71,719)

Net loss attributable to non-controlling interests

-

1,173

171

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

247,506

(493,541)

(71,548)

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

172,800,275

174,951,573

174,951,573

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

1.4323

(2.8210)

(0.4090)

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

2.8646

(5.6420)

(0.8180)

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

173,935,749

174,951,573

174,951,573

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

1.4230

(2.8210)

(0.4090)

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

2.8460

(5.6420)

(0.8180)

Unaudited Condensed Consolidated Cash Flow Data

Net cash generated from/(used in) operating activities

478,650

(655,588)

(95,040)

Net cash used in investing activities

(145,590)

(24,764)

(3,590)

Net cash used in financing activities

(80,576)

(345,590)

(50,100)

Effect of foreign exchange rate changes

2,367

(8,389)

(1,216)

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

254,851

(1,034,331)

(149,946)

Cash, cash equivalents and restricted cash, beginning of
period

4,101,557

3,870,834

561,153

Cash, cash equivalents and restricted cash, end of
period

4,356,408

2,836,503

411,207

* 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.

Unaudited Condensed Consolidated Balance Sheets

 (in thousands)

As of

December 31,
2025

March 31,
2026

March 31,
2026

RMB

RMB

USD

        Cash and cash equivalents

3,348,126

2,453,140

355,631

        Restricted cash

522,708

383,363

55,576

        Accounts receivable

826,141

911,368

132,121

        Guarantee receivable

832,905

868,827

125,953

        Contract assets, net

619,291

305,106

44,231

        Contract cost

4,287

2,149

312

        Prepaid expenses and other assets

1,776,019

1,756,162

254,590

        Loans at fair value

342,895

156,134

22,635

        Financing receivables

909,182

938,958

136,120

        Amounts due from related parties*

2,974,080

3,429,417

497,161

        Financial investments

483,700

507,528

73,576

        Equity investments

11,528

23,455

3,400

        Property, equipment and software, net

50,403

84,630

12,269

        Digital Assets

391,267

287,228

41,639

        Deferred tax assets

325,094

361,981

52,476

        Right-of-use assets

37,329

33,891

4,913

Total assets

13,454,955

12,503,337

1,812,603

        Accounts payable

79,630

93,759

13,592

        Amounts due to related parties

44,179

14,982

2,172

        Guarantee liabilities-stand ready

989,701

1,025,763

148,704

        Guarantee liabilities-contingent

1,300,097

1,172,209

169,935

        Deferred revenue

227

150

22

        Payable to investors of consolidated ABFE

1,294,792

941,068

136,426

        Accrued expenses and other liabilities

404,680

406,222

58,890

        Deferred tax liabilities

29,854

34,197

4,957

        Lease liabilities

39,758

35,289

5,116

Total liabilities

4,182,918

3,723,639

539,814

        Ordinary shares

133

134

19

        Additional paid-in capital

5,239,550

5,242,914

760,063

        Treasury stock

(170,686)

(170,686)

(24,744)

        Accumulated other comprehensive income

(2,517)

(17,369)

(2,518)

        Retained earnings

4,205,557

3,710,721

537,942

Total Yiren Digital Ltd shareholders' equity

9,272,037

8,765,714

1,270,762

        Non-controlling interests

-

13,984

2,027

Total equity

9,272,037

8,779,698

1,272,789

Total liabilities and equity

13,454,955

12,503,337

1,812,603

* The Company has outstanding related party balances due from our controlling shareholder and its affiliates. These
balances are currently performing in accordance with their contractual terms. Should our controlling shareholder fail to
satisfy its payment obligations in the future, we may be required to adjust the carrying value of such related receivables
accordingly.

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 

March 31,
2025

March 31,
2026

March 31,
2026

RMB

RMB

USD

Operating Highlights

Amount of loans facilitated 

15,237,923

8,910,760

1,291,789

Number of borrowers

1,375,406

531,500

531,500

Remaining principal of performing loans 

27,458,292

21,603,502

3,131,850

Cumulative number of insurance clients

1,590,394

2,357,951

2,357,951

Number of insurance clients

77,541

397,854

397,854

Gross written premiums

801,798

822,991

119,309

First year premium

412,497

536,332

77,752

Renewal premium

389,301

286,659

41,557

Segment Information

Credit solution business:

Revenue

1,294,480

795,746

115,359

Sales and marketing expenses

260,903

80,760

11,708

Origination, servicing and other operating costs

140,623

140,143

20,317

Allowance for contract assets, receivables and others

152,112

174,866

25,350

Provision for contingent liabilities

410,763

632,219

91,653

Insurance brokerage business:

Revenue

71,460

87,160

12,636

Sales and marketing expenses

2,795

2,388

346

Origination, servicing and other operating costs

81,440

54,475

7,897

Allowance for contract assets, receivables and others

(578)

(117)

(17)

Others:

Revenue

188,586

32,234

4,673

Sales and marketing expenses

13,254

30,421

4,410

Origination, servicing and other operating costs

2,675

2,934

425

Allowance for contract assets, receivables and others

(1,994)

188

27

Reconciliation of Adjusted EBITDA

Net income/(loss)

247,506

(494,714)

(71,719)

Interest income and investment income, net

(24,206)

(13,816)

(2,003)

Income tax expense

26,346

37,024

5,368

Depreciation and amortization

2,297

3,561

516

Share-based compensation

2,187

2,071

300

Fair value adjustments related to digital assets and
financial investments

70,824

129,059

18,710

Adjusted EBITDA

324,954

(336,815)

(48,828)

Adjusted EBITDA margin

20.9 %

-36.8 %

-36.8 %

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 %

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 %

6.0 %

2024Q3

0.5 %

2.2 %

3.7 %

4.7 %

5.4 %

5.8 %

5.8 %

5.7 %

5.5 %

2024Q4

0.6 %

2.2 %

3.8 %

4.9 %

5.9 %

6.4 %

6.3 %

2025Q1

0.6 %

2.3 %

4.2 %

6.0 %

7.2 %

6.9 %

2025Q2

0.8 %

3.5 %

6.6 %

8.3 %

2025Q3

1.1 %

4.8 %

8.0 %

2025Q4

1.2 %

*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

NEW YORK, March 26, 2026 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of Yiren Digital Ltd. ("Yiren" or the "Company") (NYSE: YRD).

NEW YORK, March 31, 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.

Yirendai (NYSE: YRD - Get Free Report) and QuoteMedia (OTCMKTS:QMCI - Get Free Report) are both small-cap computer and technology companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, profitability, institutional ownership, risk, analyst recommendations, earnings and valuation. Profitability This table compares Yirendai and QuoteMedia's

, /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

, /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 its inclusion in the S&P Global Sustainability Yearbook (China Edition) 2026. Alongside this milestone, Yiren Digital was also honored with the "Industry Mover" distinction. The Yearbook is widely regarded as one of the most comprehensive annual publications evaluating corporate sustainability performance in China.

The recognition reflects Yiren Digital's performance in the 2025 S&P Global Corporate Sustainability Assessment (CSA), where the Company scored 50 out of 100, placing Yiren Digital in the top decile of the "Diversified Financial Services and Capital Markets" industry globally as of October 24, 2025, reflecting a 12-point improvement over the prior year. For the 2026 China Edition, nearly 1,800 companies were assessed, with only approximately 190 selected for inclusion. Yiren Digital was further honored with the "Industry Mover" distinction, recognizing the Company as the strongest year-over-year ESG performer in its industry. The Company delivered meaningful gains across key ESG dimensions, including a 6-point increase in governance and a 10-point increase in social performance. S&P Global classified the Company's overall data availability as High relative to industry peers.

"Our inclusion in the S&P Global Sustainability Yearbook (China Edition) 2026 reflects a conviction at the heart of our business: that a strong ESG strategy is inseparable from a strong fintech strategy," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "AI-powered risk management and information security are not simply compliance boxes to check; they are how we earn and keep the trust of the customers we serve. Expanding financial inclusion for underserved borrowers and small business owners is central to our mission. This recognition underscores that sustainable value creation and commercial growth are mutually reinforcing, and we will continue to build on that foundation."

Yiren Digital's Key Achievements in the 2025 Corporate Sustainability Assessment

Yiren Digital delivered strong performance across both the Social and Governance & Economic dimensions. The Social Dimension was Yiren Digital's strongest-performing dimension, with the Company achieving a score of 55/100, significantly ahead of the industry average of 24/100. The Governance & Economic Dimension also improved year over year, with performance exceeding industry averages across Risk & Crisis Management, Business Ethics and Information Security.

These results reflect the Company's continued focus on embedding risk management, data security and financial inclusion into its core operating model.

Yiren Digital's ESG Framework

Yiren Digital has established a three-tier ESG governance framework comprising a Board-level ESG Committee, management-level oversight, and an ESG working group. This structure integrates sustainability considerations into corporate strategy, business operations and risk management.

The Company has set targets to reach peak carbon emissions by 2030 and achieve net-zero greenhouse gas emissions from its own operations by 2060. In 2025, Yiren Digital published its second consecutive annual ESG Report alongside three ESG-related core policies, including its Occupational Health and Safety Policy, further strengthening its ESG disclosure framework. The Company's ESG reporting now covers more than 90 sub-topics aligned with CSA evaluation criteria.

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. With the successful filing of the in-house developed Large Language Model Zhiyu, the substantial upgrade of its Magicube Agent platform, Yiren Digital is establishing a new growth engine to position itself as an AI-powered next-generation fintech leader. For more information, please visit https://ir.yiren.com.

Safe Harbor Statement

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 Yiren Digital Ltd. (NYSE: YRD) (the "Company"), and which could cause actual results to differ materially from those expressed or implied in such statements.

Such risks and uncertainties include, but are not limited to, significant fluctuations in loan origination volumes, changes in credit performance and delinquency trends, variations in take rates and monetization efficiency, availability and cost of funding, and the Company's ability to achieve its anticipated financial results or previously issued guidance.

In addition, the Company operates in a highly regulated industry in the People's Republic of China ("PRC"), and its business is materially affected by the evolving regulatory framework applicable to credit facilitation, consumer finance, online lending-related services, data security, and financial risk management. Regulatory policies and implementation measures in these areas have undergone, and may continue to undergo, significant and rapid changes, including changes in interpretation and enforcement.

Such regulatory developments may include, but are not limited to, adjustments to risk retention and capital requirements, restrictions on pricing, interest rates, or service fees, enhanced consumer protection and compliance obligations, data privacy and cybersecurity requirements, and limitations on certain business models or partnership structures. These measures may materially impact the Company's ability to originate loans, maintain relationships with funding partners, price its services competitively, or sustain historical revenue and profitability levels.

Furthermore, the timing, scope, and enforcement intensity of regulatory changes in the PRC are often uncertain and may vary across regions and over time. Such uncertainty may result in increased compliance costs, operational constraints, and strategic adjustments, and may also affect funding partner behavior, borrower demand, and overall industry liquidity.

In addition, shifts in regulatory policy and market expectations may adversely affect investor sentiment and capital market conditions for the industry, potentially resulting in reduced loan facilitation volumes, increased volatility in financial performance, and pressure on margins.

Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors, including, but not limited to, unexpected changes in regulatory policies or enforcement practices, macroeconomic conditions, borrower credit behavior, funding partner participation, competitive dynamics, 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

NEW YORK, April 21, 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

Yiren Digital Ltd. (YRD) Presents at Deutsche Bank ADR Virtual Investor Conference Transcript

, /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

Proprietary Multi-Agent Architecture Enables AI-Driven Execution Across Financial Services and Emerging AI-Native Verticals

, /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 AI is increasingly executing core workflows across its credit and insurance businesses. This shift is improving operating efficiency and unit economics, particularly in customer acquisition and servicing processes, and marks its transition toward an AI-native, multi-industry operating model.

This evolution from AI-assisted operations to agent-driven execution is enabled by Yiren Digital's proprietary AI architecture, which is now deployed across its credit and insurance operations and extending into selected AI-native verticals beyond financial services. The architecture spans a foundation model, a multi-agent platform, an agent execution layer, an enterprise AgentOS, and a workspace-level employee co-pilot.

Under its All-in-AI strategy, the Company is advancing its transition from a technology-enabled financial services platform toward an AI-native, multi-industry operating company. The strategy builds on over 5 years of the Company's purpose-built AI infrastructure and R&D investments, demonstrated operating impact across the Company's credit and insurance businesses, and an AI-executed internet insurance line that has emerged as a second growth engine.

"For years, we have been a fintech company that uses AI to do credit and insurance better," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "We are now becoming an AI-native, multi-industry company. This shift is already improving how we operate, allowing us to scale expertise, increase efficiency, and expand into new verticals with greater speed and discipline. Our proprietary AI capabilities, developed in one of the most regulated and security-intensive industries in the world, are designed to be portable across financial sub-sectors and adjacent verticals where domain knowledge, data, and agentic execution can scale and compound over time. All-in-AI is how we will operate, grow, and allocate capital from here forward."

From AI-Assisted Tools to AI-Driven Execution

Following the 2025 launch of its proprietary multi-agent platform, MagiCube, the Company's 2026 rollout of MagiCube 2.0 marks a pivotal operational shift. AI agents now function as autonomous executors rather than mere task assistants, delivering end-to-end outcomes across the enterprise lifecycle. Key milestones underpinning this architectural evolution include:

Zhiyu - the Company's proprietary large language model (LLM), received regulatory filing approval in April 2025 and serves as the foundational intelligence layer. MagiCube - the Company's multi-agent integration platform, launched in October 2025 as the connective infrastructure for large-scale agent deployment across sales, risk, capital, compliance, and customer service. MagiCube 2.0 - introduced in 2026, restructures the platform around two specialized layers: XuanJi, for human-and-organization workflow execution, and ZhiNao, the enterprise-wide AgentOS for LLM coordination and multi-agent orchestration. XuanJi: AI-Driven Execution for Labor-Intensive Workflows

XuanJi is the Company's AI-driven workflow execution layer, delivering business outcomes directly across high-volume, repetitive processes including outbound customer service, telesales, insurance proposal generation, lending operations, and post-sale engagement. By moving these functions from human-assisted tasks to agent-delivered results, XuanJi structurally improves cost-to-serve, response speed, and consistency.

ZhiNao: The Enterprise AgentOS

ZhiNao is the Company's centralized orchestration and governance layer, an AgentOS that coordinates LLMs and agents, routes workflows, manages permissions, integrates enterprise knowledge, and enforces AI governance across the organization. ZhiNao serves as the single coordination hub for every agent the Company deploys, internal or third-party, and scales agent-driven operations across knowledge-intensive functions such as advisory services, strategic analysis, and management decision support.

Workspace AI and AI Buddy: A Platform for Human-Agent Collaboration

Workspace AI is the Company's enterprise-wide operating platform connecting employees, AI agents, knowledge systems, and intelligent workflows in a unified execution environment. Its employee-facing interface, AI Buddy, provides every colleague with a personalized co-pilot routed through ZhiNao, a single interface giving frontline staff and management direct access to enterprise data, agentic workflows, and approved third-party AI tools. All agent-driven workflows within the platform operate under a centralized governance framework, ensuring compliance, auditability and risk control across regulated business lines.

A Proven Track Record of AI-Driven Operating Impact

Yiren Digital's All-in-AI strategy has become a core driver of financial performance, delivering enhanced operating leverage across our ecosystem. In fiscal year 2025, integrating proprietary AI agents and LLMs generated meaningful cost efficiencies, and the continued upgrade of the Company's enterprise AI architecture is expected to further accelerate these benefits. Most notably, AI-powered precision marketing has reduced sales & marketing and customer service expenses as a percentage of total revenue. This migration toward an agent-led execution model has fundamentally bolstered our unit economics and positioned the Company for sustainable, profitable growth.

Beyond operational efficiency, our AI infrastructure is a proven engine for rapid business scaling. By repurposing the core AI architecture engineered for our credit operations, our internet insurance distribution business achieved rapid, consecutive-quarter premium growth, becoming an increasingly meaningful revenue contributor. This validates our strategic thesis: a portable AI stack, combined with a massive established user base, creates a structural advantage that drastically accelerates time-to-market. Capitalizing on this momentum, we are advancing an autonomous AI insurance agent assistant, currently in alpha-stage for internal testing. The platform is designed to automate standardized advisory tasks across the insurance customer journey. It will structurally lower customer acquisition costs while freeing up human agents' time to focus more on higher-value client relationship development activities.

Extending All-in-AI Beyond Financial Services: A Capital-Light Ecosystem for Structural AI Growth

Yiren Digital is expanding its All-in-AI strategy through strategic minority investments in high-growth AI startups, further extending its ecosystem. The Company is leveraging its proprietary AI infrastructure and operational experience gained from serving over 14 million cumulative credit customers and more than 2 million insurance customers to support ecosystem partners and emerging AI-native initiatives. By focusing on AI-native verticals where results and benefits drive value, such as AI-enabled learning, interactive entertainment, and autonomous services, this capital-light approach enables the Company to capture structural AI growth while maintaining disciplined capital allocation and limiting execution risk.

According to IDC (International Data Corporation) research, active AI agents deployed by Chinese enterprises are projected to grow at a ~135% CAGR through 2031. This rapid expansion will increasingly favor companies with integrated, agent-orchestrated operating systems over those relying on fragmented point solutions, a trend that aligns with Yiren Digital's architecture and strategy. By unifying intelligence, decision-making, and execution across its proprietary stack, from the Zhiyu foundation model to the ZhiNao AgentOS, Yiren Digital has built a highly scalable architecture. Paired with disciplined capital allocation and a stabilizing credit environment in 2026, this cohesive system is positioned to drive renewed revenue and margin momentum in the periods ahead, supported by continued deployment of agent-driven workflows across its core businesses.

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.

Safe Harbor Statement

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 Yiren Digital Ltd. (NYSE: YRD) (the "Company"), and which could cause actual results to differ materially from those expressed or implied in such statements.

Such risks and uncertainties include, but are not limited to, significant fluctuations in loan origination volumes, changes in credit performance and delinquency trends, variations in take rates and monetization efficiency, availability and cost of funding, and the Company's ability to achieve its anticipated financial results or previously issued guidance.

In addition, the Company operates in a highly regulated industry in the People's Republic of China ("PRC"), and its business is materially affected by the evolving regulatory framework applicable to credit facilitation, consumer finance, online lending-related services, data security, and financial risk management. Regulatory policies and implementation measures in these areas have undergone, and may continue to undergo, significant and rapid changes, including changes in interpretation and enforcement.

Such regulatory developments may include, but are not limited to, adjustments to risk retention and capital requirements, restrictions on pricing, interest rates, or service fees, enhanced consumer protection and compliance obligations, data privacy and cybersecurity requirements, and limitations on certain business models or partnership structures. These measures may materially impact the Company's ability to originate loans, maintain relationships with funding partners, price its services competitively, or sustain historical revenue and profitability levels.

Furthermore, the timing, scope, and enforcement intensity of regulatory changes in the PRC are often uncertain and may vary across regions and over time. Such uncertainty may result in increased compliance costs, operational constraints, and strategic adjustments, and may also affect funding partner behavior, borrower demand, and overall industry liquidity.

In addition, shifts in regulatory policy and market expectations may adversely affect investor sentiment and capital market conditions for the industry, potentially resulting in reduced loan facilitation volumes, increased volatility in financial performance, and pressure on margins.

Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors, including, but not limited to, unexpected changes in regulatory policies or enforcement practices, macroeconomic conditions, borrower credit behavior, funding partner participation, competitive dynamics, 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

Covering AI Entertainment, AI-Assisted Language Learning, and AI Research Productivity

Supported by Structured Investment Options and Future Ownership Rights

, /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 the completion of strategic follow-on investments in three early-stage, high-growth AI application companies. These companies operate across emerging artificial intelligence application domains, with a focus on AI entertainment, AI-assisted language learning, and AI research productivity, further expanding the Company's "All-in-AI" ecosystem.

In addition to existing preferred equity positions, the Company has entered into performance-based equity warrants providing the right, but not the obligation, to acquire additional equity interests at pre-agreed valuation terms. Subject to defined performance milestones and payment of consideration, the Company may increase its ownership position, including potentially obtaining majority control in certain portfolio companies.

These arrangements 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.

The Company believes artificial intelligence is evolving from foundational infrastructure into large-scale commercial applications that directly shape user behavior and digital experiences, with the application layer expected to be a key long-term value-creation segment across education, media, and consumer-facing verticals.

Through its AI application-layer strategy, the Company invests in early-stage AI businesses close to end users, balancing strategic exposure, capital efficiency, and long-term optionality.

The Company maintains minority positions with staged pathways for potential future ownership increases, enabling participation in the growth of AI-native companies while maintaining disciplined capital allocation. These investments also complement the Company's broader "All-in-AI" transformation and ongoing expansion of its AI capabilities.

Strategic Rationale: Building an Agentic AI Ecosystem

The Company views the AI industry as evolving beyond generative interfaces toward autonomous, context-aware, and action-oriented systems. Agentic AI is expected to become a foundational layer of future digital interaction, enabling AI agents to execute complex tasks and support decision-making across consumer and enterprise environments. Through this lens, Yiren Digital is constructing an interconnected AI application ecosystem designed to generate strategic synergies across content, education, productivity, and entertainment. This approach aims to reinforce user acquisition, data intelligence, and cross-platform monetization over the long term.

Portfolio Overview: Targeting High-Growth Verticals

The newly added portfolio companies represent targeted exposure to distinct, high-growth AI verticals:

An AI-native entertainment company founded by Gen-Z creators that develops interactive storytelling and fan-driven content ecosystems, now building its own IP into a multi-format entertainment universe with strong early user growth and monetization potential. A company aligned with leading AI-driven education platforms and focused on personalized learning at scale. It leverages generative AI to deliver adaptive learning experiences that improve efficiency, accessibility, and user engagement across language and skill development markets, and is highly scalable. A specialized AI education technology company focused on academic productivity. It applies generative AI and knowledge systems to streamline research workflows, improve information validation, and reduce publishing friction, addressing a growing demand for AI-enabled professional research and publication tools in academic area. Strategic Outlook and Enterprise Transformation

Looking ahead, Yiren Digital intends to continue expanding its presence in the AI application economy. Future strategic investments are expected to focus on sectors where the Company believes artificial intelligence can meaningfully change how users learn, interact, and consume content, including intelligent digital engagement platforms, AI-powered media ecosystems, and autonomous workflow systems.

In parallel, the Company continues to advance its enterprise-wide AI transformation. By integrating its proprietary AI architecture and internal agentic workflows with external ecosystem investments, Yiren Digital believes it can participate across multiple layers of AI-driven value creation over the long term.

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.

Safe Harbor Statement

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 Yiren Digital Ltd. (NYSE: YRD) (the "Company"), and which could cause actual results to differ materially from those expressed or implied in such statements.

Such risks and uncertainties include, but are not limited to, significant fluctuations in loan origination volumes, changes in credit performance and delinquency trends, variations in take rates and monetization efficiency, availability and cost of funding, and the Company's ability to achieve its anticipated financial results or previously issued guidance.

In addition, the Company operates in a highly regulated industry in the People's Republic of China ("PRC"), and its business is materially affected by the evolving regulatory framework applicable to credit facilitation, consumer finance, online lending-related services, data security, and financial risk management. Regulatory policies and implementation measures in these areas have undergone, and may continue to undergo, significant and rapid changes, including changes in interpretation and enforcement.

Such regulatory developments may include, but are not limited to, adjustments to risk retention and capital requirements, restrictions on pricing, interest rates, or service fees, enhanced consumer protection and compliance obligations, data privacy and cybersecurity requirements, and limitations on certain business models or partnership structures. These measures may materially impact the Company's ability to originate loans, maintain relationships with funding partners, price its services competitively, or sustain historical revenue and profitability levels.

Furthermore, the timing, scope, and enforcement intensity of regulatory changes in the PRC are often uncertain and may vary across regions and over time. Such uncertainty may result in increased compliance costs, operational constraints, and strategic adjustments, and may also affect funding partner behavior, borrower demand, and overall industry liquidity.

In addition, shifts in regulatory policy and market expectations may adversely affect investor sentiment and capital market conditions for the industry, potentially resulting in reduced loan facilitation volumes, increased volatility in financial performance, and pressure on margins.

Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors, including, but not limited to, unexpected changes in regulatory policies or enforcement practices, macroeconomic conditions, borrower credit behavior, funding partner participation, competitive dynamics, 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.