Yiren Digital Reports Q4 Revenue of RMB 957.6M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Mar 19 2026
0mins
Should l Buy YRD?
Reports Q4 RMB 957.6M vs RMB 1.45B last year. "Our early efforts to strengthen credit standards and proactively build financial buffers ahead of the industry downturn have allowed us to navigate a challenging market environment while maintaining stable operations," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. "The AI-driven risk management system we built over the past two years is delivering measurable results, sharpening our credit decision-making capabilities and reinforcing our operational resilience in China's evolving credit market. These same AI capabilities are enabling us to scale our internet insurance distribution business, which sustained strong growth momentum in 2025 and meaningfully expanded our addressable market. Our strategic focus in 2026 is to deepen our AI-driven operating model and accelerate the transformation of our two core business segments into purpose-built frameworks that serve institutional and individual clients and generate more commercial opportunities from the AI technologies we have developed over the past few years."
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Analyst Views on YRD
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.
Yiren Digital Under Investigation Amid Major Losses
- Declining Financial Performance: Yiren Digital reported fourth-quarter revenue of approximately RMB 957.6 million for 2025, representing a 34% year-over-year decline and significantly below the previously issued guidance of RMB 1.4 billion to RMB 1.6 billion, indicating severe market challenges for the company.
- Increased Net Loss: The company recorded a net loss of approximately RMB 882.2 million in the fourth quarter, compared to a net income of approximately RMB 331.4 million in the same period last year, reflecting a significant deterioration in profitability.
- Surge in Contingent Liabilities: Yiren's provision for contingent liabilities increased sharply to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the previous quarter, indicating heightened financial risk for the company.
- Worsening Delinquency Rates: The company reported increases in delinquency rates across multiple categories, including 1-30 days, 31-60 days, and 61-90 days, compared to the prior quarter, reflecting a decline in customer repayment capacity.
See More
Virtual Investor Conference Presentations Now Available Online
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- Investor Material Downloads: Investors can download materials from participating companies such as Lotus Technology and Viomi Technology, which fosters improved interaction and communication between investors and companies.
- Ongoing Availability: All company presentations will be accessible 24/7 for the next 90 days, meeting investors' needs for flexibility while providing companies with ongoing opportunities to showcase their business.
- Enhanced Investor Relations: Virtual Investor Conferences facilitate real-time investor engagement solutions, enabling companies to connect with investors more efficiently, thereby improving the effectiveness of investor relations management.
See More
Yiren Digital Under Investigation Amid Major Losses
- Declining Financial Performance: Yiren Digital reported fourth-quarter revenue of approximately RMB 957.6 million for 2025, representing a 34% year-over-year decline and significantly below the previously issued guidance of RMB 1.4 billion to RMB 1.6 billion, indicating severe market pressures.
- Significant Net Loss: The company reported a net loss of approximately RMB 882.2 million for the fourth quarter, compared to a net income of approximately RMB 331.4 million in the same period last year, reflecting a drastic deterioration in profitability.
- Increased Contingent Liabilities: Yiren's provision for contingent liabilities surged to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the prior quarter, indicating heightened financial risks facing the company.
- Worsening Delinquency Rates: The company disclosed increases in delinquency rates across multiple categories, including 1-30 days, 31-60 days, and 61-90 days, suggesting a continued deterioration in asset quality that could impact future financing capabilities.
See More
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- Participating Companies: The agenda includes presentations from Lotus Technology Inc., Viomi Technology Co., Ltd, and Belite Bio, Inc., showcasing Deutsche Bank's expertise in managing cross-border equity structures, which is expected to enhance its influence in the global market.
- Participation Fee: The conference is free for participants, with pre-registration suggested, reflecting Deutsche Bank's commitment to providing convenient services for investors and further solidifying its leadership in investor relations management.
- Service Range: Deutsche Bank specializes not only in the administration of depositary receipts but also offers a wide array of financial services, including complex securitizations, project financing, and debt restructuring, demonstrating its comprehensive strength in the global financial services market.
See More
Yiren Digital Under Investigation Amid Major Losses
- Declining Financial Performance: Yiren Digital reported fourth-quarter revenue of approximately RMB 957.6 million for 2025, representing a 34% year-over-year decline and significantly below the previously issued guidance of RMB 1.4 billion to RMB 1.6 billion, indicating severe market challenges.
- Significant Net Loss: The company recorded a net loss of approximately RMB 882.2 million in the fourth quarter, compared to a net income of approximately RMB 331.4 million in the same period last year, reflecting a drastic deterioration in profitability.
- Surge in Contingent Liabilities: Yiren's provision for contingent liabilities increased sharply to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the prior quarter, indicating heightened financial risk for the company.
- Worsening Delinquency Rates: The company experienced increases in delinquency rates across multiple categories, including 1-30 days, 31-60 days, and 61-90 days, demonstrating a decline in customer repayment capacity and further exacerbating financial pressures.
See More
Yiren Digital Under Investigation Amid Significant Financial Losses
- Declining Financial Performance: Yiren Digital reported fourth-quarter revenue of approximately RMB 957.6 million for 2025, representing a 34% year-over-year decline and falling significantly short of the previously issued guidance of RMB 1.4 billion to RMB 1.6 billion, indicating severe market challenges.
- Increased Net Loss: The company recorded a net loss of approximately RMB 882.2 million in the fourth quarter, compared to a net income of approximately RMB 331.4 million in the same period last year, reflecting a significant deterioration in profitability.
- Rising Contingent Liabilities: Yiren's provision for contingent liabilities surged to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the previous quarter, indicating heightened financial risk for the company.
- Worsening Delinquency Rates: The company reported increases in delinquency rates across multiple categories, including 1-30 days, 31-60 days, and 61-90 days, suggesting a decline in asset quality that could adversely affect future lending operations.
See More
Yiren Digital Under Investigation Amid Major Losses
- Declining Financial Performance: Yiren Digital reported fourth-quarter revenue of approximately RMB 957.6 million for 2025, representing a 34% year-over-year decline and significantly below the previously issued guidance of RMB 1.4 billion to RMB 1.6 billion, indicating severe market challenges for the company.
- Increased Net Loss: The company recorded a net loss of approximately RMB 882.2 million in the fourth quarter, compared to a net income of approximately RMB 331.4 million in the same period last year, reflecting a significant deterioration in profitability.
- Surge in Contingent Liabilities: Yiren's provision for contingent liabilities increased sharply to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the previous quarter, indicating heightened financial risk for the company.
- Worsening Delinquency Rates: The company reported increases in delinquency rates across multiple categories, including 1-30 days, 31-60 days, and 61-90 days, compared to the prior quarter, reflecting a decline in customer repayment capacity.
See More
Virtual Investor Conference Presentations Now Available Online
- Conference Content Release: Presentations from the Depositary Receipts Virtual Investor Conference (dbVIC) held on April 28, 2026, are now available for online viewing, enhancing accessibility and transparency of information for investors.
- Investor Material Downloads: Investors can download materials from participating companies such as Lotus Technology and Viomi Technology, which fosters improved interaction and communication between investors and companies.
- Ongoing Availability: All company presentations will be accessible 24/7 for the next 90 days, meeting investors' needs for flexibility while providing companies with ongoing opportunities to showcase their business.
- Enhanced Investor Relations: Virtual Investor Conferences facilitate real-time investor engagement solutions, enabling companies to connect with investors more efficiently, thereby improving the effectiveness of investor relations management.
See More
Yiren Digital Under Investigation Amid Major Losses
- Declining Financial Performance: Yiren Digital reported fourth-quarter revenue of approximately RMB 957.6 million for 2025, representing a 34% year-over-year decline and significantly below the previously issued guidance of RMB 1.4 billion to RMB 1.6 billion, indicating severe market pressures.
- Significant Net Loss: The company reported a net loss of approximately RMB 882.2 million for the fourth quarter, compared to a net income of approximately RMB 331.4 million in the same period last year, reflecting a drastic deterioration in profitability.
- Increased Contingent Liabilities: Yiren's provision for contingent liabilities surged to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the prior quarter, indicating heightened financial risks facing the company.
- Worsening Delinquency Rates: The company disclosed increases in delinquency rates across multiple categories, including 1-30 days, 31-60 days, and 61-90 days, suggesting a continued deterioration in asset quality that could impact future financing capabilities.
See More
Deutsche Bank to Host Depositary Receipts Investor Conference
- Conference Details: Deutsche Bank is set to host the Depositary Receipts Virtual Investor Conference on April 28, 2026, featuring live presentations from international companies based in Australia, China, Hong Kong, Portugal, Netherlands, Cayman Islands, and France, aimed at attracting a diverse range of investors and analysts.
- Participating Companies: The agenda includes presentations from Lotus Technology Inc., Viomi Technology Co., Ltd, and Belite Bio, Inc., showcasing Deutsche Bank's expertise in managing cross-border equity structures, which is expected to enhance its influence in the global market.
- Participation Fee: The conference is free for participants, with pre-registration suggested, reflecting Deutsche Bank's commitment to providing convenient services for investors and further solidifying its leadership in investor relations management.
- Service Range: Deutsche Bank specializes not only in the administration of depositary receipts but also offers a wide array of financial services, including complex securitizations, project financing, and debt restructuring, demonstrating its comprehensive strength in the global financial services market.
See More
Yiren Digital Under Investigation Amid Major Losses
- Declining Financial Performance: Yiren Digital reported fourth-quarter revenue of approximately RMB 957.6 million for 2025, representing a 34% year-over-year decline and significantly below the previously issued guidance of RMB 1.4 billion to RMB 1.6 billion, indicating severe market challenges.
- Significant Net Loss: The company recorded a net loss of approximately RMB 882.2 million in the fourth quarter, compared to a net income of approximately RMB 331.4 million in the same period last year, reflecting a drastic deterioration in profitability.
- Surge in Contingent Liabilities: Yiren's provision for contingent liabilities increased sharply to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the prior quarter, indicating heightened financial risk for the company.
- Worsening Delinquency Rates: The company experienced increases in delinquency rates across multiple categories, including 1-30 days, 31-60 days, and 61-90 days, demonstrating a decline in customer repayment capacity and further exacerbating financial pressures.
See More
Yiren Digital Under Investigation Amid Significant Financial Losses
- Declining Financial Performance: Yiren Digital reported fourth-quarter revenue of approximately RMB 957.6 million for 2025, representing a 34% year-over-year decline and falling significantly short of the previously issued guidance of RMB 1.4 billion to RMB 1.6 billion, indicating severe market challenges.
- Increased Net Loss: The company recorded a net loss of approximately RMB 882.2 million in the fourth quarter, compared to a net income of approximately RMB 331.4 million in the same period last year, reflecting a significant deterioration in profitability.
- Rising Contingent Liabilities: Yiren's provision for contingent liabilities surged to approximately RMB 1.11 billion, up from approximately RMB 459.8 million in the previous quarter, indicating heightened financial risk for the company.
- Worsening Delinquency Rates: The company reported increases in delinquency rates across multiple categories, including 1-30 days, 31-60 days, and 61-90 days, suggesting a decline in asset quality that could adversely affect future lending operations.
See More
