Yiren Digital Reports Q3 Loans of RMB 20.2 Billion, Up 51%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 25 2025
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Source: Newsfilter
- Significant Loan Growth: In Q3 2025, Yiren Digital facilitated total loans of RMB 20.2 billion (US$2.8 billion), representing a 51% year-over-year increase, demonstrating the company's strong demand and market expansion capabilities in digital consumer lending.
- Increase in Borrower Base: As of September 30, 2025, the cumulative number of borrowers served reached 14,006,873, reflecting a 21% increase compared to the same period in 2024, indicating success in customer acquisition and market penetration.
- Strong Insurance Performance: The gross written premiums in the insurance brokerage business for Q3 reached RMB 1.148 billion (US$161.3 million), a 35% increase from Q2 2025, showcasing rapid growth in the internet insurance sector and strong renewal premium performance.
- Enhanced Financial Flexibility: As of September 30, 2025, the company reported cash and cash equivalents of RMB 3.865 billion (US$542.9 million), providing ample financial flexibility for future investments and supporting ongoing innovation and transformation in the fintech space.
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About YRD
Yiren Digital Ltd is a holding company mainly engaged in the operation of a digital personal financial management platform, and the provision of holistic wealth solutions, credit and financial solutions to individual borrowers and small business owners. The Company operates through three segments. The Yiren Wealth segment is engaged in the operation of a wealth solution platform for the mass affluent population and provides comprehensive wealth solutions. The Yiren Credit segment is engaged in the operation of a credit-tech platform that provides individual borrowers and small business owners with a full spectrum of online and offline, multi-channel loan products. The Others segment is engaged in the electronic commerce business that provides products such as skin care and beauty, electronics and appliances and allow users to finance purchases through loan products, while providing customized non-financial products and services. The Company is also engaged in the insurance business.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Award Recognition: Yiren Digital received the Annual Digital Intelligence Innovative Application Award in 2026 from Caijing New Media and other organizations, highlighting its sustained innovation in AI technology application and reinforcing its leadership in the fintech sector.
- AI Strategy Advancement: In 2025, Yiren Digital completed regulatory filing for its proprietary 'Zhiyu' large language model, optimizing operational workflows and enhancing client engagement, thereby accelerating the implementation of its AI strategy.
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Continue Reading