Yiren Digital Reports Third Quarter 2025 Financial Results
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 25 2025
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Source: PRnewswire
Financial Performance: Yiren Digital reported a total net revenue of RMB1,555 million (US$218.4 million) for Q3 2025, a 5% increase from the previous year, driven primarily by a 70% rise in revenue from financial services, which accounted for 92% of total revenue.
Loan Facilitation and Borrower Trends: The company facilitated loans totaling RMB20.2 billion (US$2.8 billion) in Q3 2025, marking a 51% increase year-over-year, although the number of borrowers served decreased by 18% from the previous quarter due to tightened credit policies.
Insurance Brokerage Growth: Gross written premiums in the insurance brokerage business reached RMB1,148 million (US$161.3 million), a 35% increase from Q2 2025, although it represented a 15% decline compared to Q3 2024, attributed to lower commission rates in traditional lines.
Strategic Outlook: Yiren Digital maintains a robust cash position of RMB4.3 billion and anticipates total revenue for Q4 2025 to be between RMB1.4 billion and RMB1.6 billion, driven by loan growth and market expansion efforts.
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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.
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Yiren Digital Wins Annual Digital Intelligence Innovation Award, Accelerating AI Strategy
- 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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