Yiren Digital Reports Second Quarter 2025 Financial Results

, /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial services in Asia, today announced its unaudited financial results for the quarter ended June 30, 2025. Second Quarter 2025 Operational Highlights Financial Services Business Total loans facilitated in the second quarter of 2025 reached RMB20.3 billion (US$2.8 billion), representing an increase of 34% from RMB15.2 billion in the first quarter of 2025 and increase of 57% compared to RMB12.9 billion in the same period of 2024. Cumulative number of borrowers served reached 13,536,838 as of June 30, 2025, representing an increase of 5% from 12,909,436 as of March 31, 2025, and increase of 25% compared to 10,807,497 as of June 30, 2024. Number of borrowers served in the second quarter of 2025 was 1,637,912, representing an increase of 19% from 1,375,406 in the first quarter of 2025 and 10% increase compared to 1,491,756 in the same period of 2024. The increase was driven by strong demand for our small revolving loan products. Outstanding balance of performing loans facilitated reached RMB31.2 billion (US$4.4 billion) as of June 30, 2025, representing an increase of 14% from RMB27.5 billion as of March 31, 2025 and compared to RMB21.8 billion as of June 30, 2024. Insurance Brokerage Business Gross written premiums in the second quarter of 2025 were RMB850.1 million (US$118.7 million), representing an increase of 6% from RMB801.8 million in the first quarter of 2025 and 20% decrease compared to RMB1,060.9 million in the same period of 2024. The increase was attributed to a gradual recovery of the sales of our insurance products post the regulatory changes. "We are pleased to report another strong quarter, driven by the continued success of our AI-powered strategy. Our advanced AI capabilities have delivered quantifiable results—more personalized customer engagement, enhanced risk management with predictive analytics and fraud detection, and improving service efficiency with compliant, tailored solutions. This robust AI foundation enables us to innovate faster, exceed customer expectations, and optimize operational performance." said Mr. Ning Tang, Chairman and Chief Executive Officer. "Our growth is further fueled by three strategic priorities: AI innovation, geographic expansion, and operational excellence. These initiatives are accelerating momentum across our core business while unlocking new opportunities through our proprietary AI platform. By executing on this strategy, we are well-positioned to sustain long-term success." "Our second quarter results demonstrate the Company's operational resilience and mark a return to profitability growth following five consecutive quarters of decline. We are pleased to report robust revenue and profit expansion across our technology segment and international operations, which underscore the strength of our strategic positioning in these key growth areas." Mr. William Hui, Chief Financial Officer commented. "Our continued positive cash flow performance in the second quarter positions us to weather market uncertainty and make targeted investments in priority areas to support future growth." Second Quarter 2025 Financial Results Total net revenue in the second quarter of 2025 was RMB1,652.1 million (US$230.6 million), representing an increase of 10% from RMB1,496.5 million in the second quarter of 2024. Particularly, in the second quarter of 2025, revenue from financial services business was RMB1,489.6 million (US$207.9 million), representing an increase of 75% from RMB851.0 million in the same period of 2024. The increase was attributed to persistent demand for our small revolving loan products, as well as a growing repeat borrowing rate among existing borrowers. The financial service revenue accounts for 90% of the total net revenue. Revenue from insurance brokerage business was RMB58.1 million (US$8.1 million), representing a decrease of 36% from RMB91.5 million in the second quarter of 2024. The decrease was attributable to lower overall commission rates and product changes. Net revenue from consumption and lifestyle business and others was RMB104.4 million (US$14.6 million), compared with the revenue of RMB554.0 million in the second quarter of 2024. The decrease was mainly attributed to our strategic decision to wind down this segment and refocus on our core financial services. Additionally, referral revenue—generated when customers were referred to other platforms for a fee—was reclassified to the financial services business segment, as these customers were originally sourced from that business unit. Sales and marketing expenses in the second quarter of 2025 were RMB345.2 million (US$48.2 million), compared to RMB285.1 million in the same period of 2024. This increase was due to increase in loan facilitation volume. Origination, servicing and other operating costs in the second quarter of 2025 were RMB160.9 million (US$22.5 million), compared to RMB246.5 million in the same period of 2024. This decrease was primarily due to lower commission costs resulting from lower sales volume from our insurance brokerage business. Research and development expenses in the second quarter of 2025 were RMB107.7 million (US$15.0 million), compared to RMB55.8 million in the same period of 2024. The increase is attributable to increase in AI spending, R&D headcount and capital investment in technology. General and administrative expenses in the second quarter of 2025 were RMB78.9 million (US$11.0 million), compared to RMB68.7 million in the same period of 2024. The increase was primarily due to increase in personnel related costs to support the growth of the business. Allowance for contract assets, receivables and others in the second quarter of 2025 was RMB214.7 million (US$30.0 million), compared to RMB123.3 million in the same period of 2024. The increase reflects higher growth in volume of loans facilitated. Provision for contingent liabilities in the second quarter of 2025 was RMB385.7 million (US$53.8 million), compared to RMB278.9 million in the same period of 2024. The increase is attributable to increase in loan volume facilitated under risk-taking model. [1] Fair value adjustments gain/(loss) in the second quarter of 2025 was a gain of RMB28.0 million (US$3.9 million) compared to a loss of RMB58.4 million in first quarter 2025 and a gain of RMB38.7 million in the same period of 2024. The quarterly change was mainly due to the fair value change in crypto assets, driven by an increase in the price of Ethereum. As of June 30, 2025, the company holds 11,197.5 Ethereum. Income tax expense in the second quarter of 2025 was RMB63.9 million (US$8.9 million). Net income in the second quarter of 2025 was RMB357.5 million (US$49.9 million), as compared to RMB409.5 million in the same period in 2024. The decrease was primarily due to the growing loan volume facilitated under our risk-taking model, resulting in substantial upfront provisions required by the current accounting principles. Adjusted EBITDA[2] (non-GAAP) in the second quarter of 2025 was RMB351.4 million (US$49.1 million), compared to RMB484.7 million in the same period of 2024 and RMB325.0 million in the first quarter of 2025. Basic and diluted income per ADS in the second quarter of 2025 were RMB4.1356 (US$0.5774) and RMB4.1072 (US$0.5734) respectively, compared to a basic income per ADS of RMB4.7390 and a diluted income per ADS of RMB4.6880 in the same period of 2024. Net cash generated from operating activities in the second quarter of 2025 was RMB411.2 million (US$57.4 million), compared to RMB368.9 million in the same period of 2024. Net cash used in investing activities in the second quarter of 2025 was RMB752.2 million (US$105.0 million), compared to RMB536.9 million in the same period of 2024. Net cash provided by financing activities in the second quarter of 2025 was RMB447.6 million (US$62.5 million), compared to RMB125.9 million used in financing activities in the same period of 2024. As of June 30, 2025, cash and cash equivalents were RMB4,098.9 million (US$572.2 million), compared to RMB4,043.6 million as of March 31, 2025. As of June 30, 2025, the balance of financial investment was RMB418.9 million (US$58.5 million), compared to RMB404.1 million as of March 31, 2025. Delinquency rates[3]. As of June 30, 2025, the delinquency rates for loans that are past due for 1-30 days, 31-60 days and 61-90 days were 1.7%, 1.1% and 1.0%, respectively, compared to 1.6%, 1.2% and 1.2%, respectively, as of March 31, 2025. [1] The risk-taking model refers to the framework in which the company assumes the credit risk for the loans facilitated on our platform. [2] "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. [3] Delinquency rates" refers to the outstanding principal balance of loans that were 1-30 days, 31-60 days and 61-90 days past due as a percentage of the total performing outstanding principal balance of loans as of a specific date. Loans originating outside mainland China are not included in the calculation. 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. Dividend PolicyUnder the Company's semi-annual dividend policy, the Company will distribute a cash dividend for the first half of 2025, amounting to US$0.22 per American depositary share (the "ADS"), each representing two ordinary shares of the Company, par value US$0.0001 per share. The dividend is expected to be paid on or about October 15, 2025 to holders of the Company's ordinary shares and ADSs of record as of the close of business on September 30, 2025, based on Hong Kong time and New York time, respectively. Business OutlookBased on the Company's preliminary assessment of business and market conditions, the Company projects the total revenue in the third quarter of 2025 to be between RMB1.4 billion and RMB1.6 billion, driven by loan growth from domestic market and international markets, and further market penetration into new customer segment. This is the Company's current and preliminary view, which is subject to changes and uncertainties. Non-GAAP Financial MeasuresIn 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 ConversionThis 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 RMB7.1636 to US$1.00, the effective noon buying rate on June 30, 2025, as set forth in the H.10 statistical release of the Federal Reserve Board. Conference CallYiren Digital's management will host an earnings conference call at 8:00 a.m. U.S. Eastern Time on August 21, 2025 (or 8:00 p.m. Beijing/Hong Kong Time on August 21, 2025). Participants who wish to join the call should register online in advance of the conference at: https://dpregister.com/sreg/10202094/ffb82a2282Once 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://event.choruscall.com/mediaframe/webcast.html?webcastid=NNUZyFMv Safe Harbor StatementThis press release contains forward-looking statements. These statements constitute "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 forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond Yiren Digital's control. Forward-looking statements involve risks, uncertainties, and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to Yiren Digital's ability to attract and retain borrowers and investors on its marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, PRC regulations and policies relating to the peer-to-peer lending service industry in China, general economic conditions in China, and Yiren Digital's ability to meet the standards necessary to maintain the listing of its ADSs on the NYSE or other stock exchange, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in Yiren Digital's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and Yiren Digital does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law. About Yiren DigitalYiren Digital Ltd. is an advanced, AI-powered platform providing a comprehensive suite of financial services in Asia. Our mission is to elevate customers' financial well-being and enhance their quality of life by delivering digital financial services and tailor-made insurance solutions. We support clients at various growth stages, addressing financing needs arising from consumption and production activities, while aiming to augment the overall well-being and financial security of individuals, families, and businesses. Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages) For the Three Months Ended For the Six Months Ended June 30, 2024 March 31, 2025 June 30, 2025 June 30, 2025 June 30, 2024 June 30, 2025 June 30, 2025 RMB RMB RMB USD RMB RMB USD Net revenue: Loan facilitation services 695,532 742,394 874,584 122,087 1,371,827 1,616,978 225,721 Post-origination services 1,290 1,744 10,463 1,461 3,062 12,207 1,704 Guarantee services 68,934 318,397 316,942 44,243 85,787 635,339 88,690 Financing services 19,574 41,887 65,821 9,188 30,240 107,708 15,036 Insurance brokerage services 91,526 71,460 58,137 8,116 216,452 129,597 18,091 Electronic commerce services 523,641 184,074 93,962 13,117 1,026,577 278,036 38,812 Others 96,039 194,570 232,191 32,412 140,675 426,761 59,574 Total net revenue 1,496,536 1,554,526 1,652,100 230,624 2,874,620 3,206,626 447,628 Operating costs and expenses: Sales and marketing 285,101 276,952 345,166 48,183 562,324 622,118 86,844 Origination,servicing and other operating costs 246,542 224,738 160,859 22,455 479,812 385,597 53,827 Research and development 55,812 85,954 107,693 15,033 96,333 193,647 27,032 General and administrative 68,670 95,837 78,862 11,009 152,344 174,699 24,388 Allowance for contract assets, receivables and others 123,285 152,805 214,698 29,971 225,619 367,503 51,301 Provision for contingent liabilities 278,925 410,763 385,674 53,838 346,183 796,437 111,178 Total operating costs and expenses 1,058,335 1,247,049 1,292,952 180,489 1,862,615 2,540,001 354,570 Other income/(expenses): Investment income * 8,301 1,972 2,245 313 10,711 4,217 589 Interest income 16,367 22,234 22,353 3,120 41,670 44,587 6,224 Fair value adjustments gain/(loss) 38,706 (58,376) 28,018 3,911 54,174 (30,358) (4,238) Others, net (11) 674 14,084 1,967 666 14,758 2,059 Total other income/(expenses) 63,363 (33,496) 66,700 9,311 107,221 33,204 4,634 Income before provision for income taxes 501,564 273,981 425,848 59,446 1,119,226 699,829 97,692 Share of results of equity investees - (129) (4,431) (618) - (4,560) (636) Income tax expense 92,036 26,346 63,877 8,917 223,815 90,223 12,595 Net income 409,528 247,506 357,540 49,911 895,411 605,046 84,461 Weighted average number of ordinary shares outstanding, basic 172,831,722 172,800,275 172,907,793 172,907,793 173,557,082 172,854,331 172,854,331 Basic income per share 2.3695 1.4323 2.0678 0.2887 5.1592 3.5003 0.4886 Basic income per ADS 4.7390 2.8646 4.1356 0.5774 10.3184 7.0006 0.9772 Weighted average number of ordinary shares outstanding, diluted 174,711,554 173,935,749 174,102,643 174,102,643 175,457,062 174,019,493 174,019,493 Diluted income per share 2.3440 1.4230 2.0536 0.2867 5.1033 3.4769 0.4854 Diluted income per ADS 4.6880 2.8460 4.1072 0.5734 10.2066 6.9538 0.9708 Unaudited Condensed Consolidated Cash Flow Data Net cash generated from operating activities 368,908 478,650 411,224 57,405 1,000,651 889,874 124,222 Net cash used in investing activities (536,883) (145,590) (752,200) (105,003) (1,220,580) (897,790) (125,327) Net cash (used in)/provided by financing activities (125,884) (80,576) 447,588 62,481 (140,658) 367,012 51,233 Effect of foreign exchange rate changes (896) 2,367 (9,412) (1,314) 444 (7,045) (983) Net (decrease)/increase in cash, cash equivalents and restricted cash (294,755) 254,851 97,200 13,569 (360,143) 352,051 49,145 Cash, cash equivalents and restricted cash, beginning of period 5,993,216 4,101,557 4,356,408 608,131 6,058,604 4,101,557 572,555 Cash, cash equivalents and restricted cash, end of period 5,698,461 4,356,408 4,453,608 621,700 5,698,461 4,453,608 621,700 * Due to the expansion in the types of the Company's investments, investment income has been separately presented, split out from the original interest income, to reflect the realized gains from the Company's financial investments, and historical periods have been restated to enhance investors' comprehension of the Company's financial statements. Unaudited Condensed Consolidated Balance Sheets (in thousands) As of December 31, 2024 March 31, 2025 June 30, 2025 June 30, 2025 RMB RMB RMB USD Cash and cash equivalents 3,841,284 4,043,590 4,098,851 572,178 Restricted cash 260,273 312,818 354,757 49,522 Accounts receivable 566,541 583,542 553,660 77,288 Guarantee receivable 474,132 620,241 656,019 91,577 Contract assets, net 1,008,920 1,114,576 1,319,246 184,160 Contract cost 294 425 4,880 681 Prepaid expenses and other assets 2,361,585 2,299,149 2,486,393 347,087 Loans at fair value 421,922 314,790 480,915 67,133 Financing receivables 17,515 22,040 484,733 67,666 Amounts due from related parties 3,387,952 3,284,281 3,131,581 437,152 Financial investments 437,203 404,059 418,856 58,470 Equity investments 9,239 9,110 4,633 647 Property, equipment and software, net 78,678 78,358 85,155 11,887 Crypto assets - 148,062 203,541 28,413 Deferred tax assets 77,463 1 128,989 18,006 Right-of-use assets 39,695 38,917 37,190 5,191 Total assets 12,982,696 13,273,959 14,449,399 2,017,058 Accounts payable 43,167 79,882 61,580 8,596 Amounts due to related parties 129,629 99,616 81,688 11,403 Guarantee liabilities-stand ready 606,886 809,726 889,343 124,148 Guarantee liabilities-contingent 578,797 756,699 848,704 118,474 Deferred revenue 9,479 482 515 73 Payable to investors at fair value 368,022 287,500 872,250 121,761 Accrued expenses and other liabilities 1,622,050 1,393,592 1,582,978 220,975 Deferred tax liabilities 41,471 54,897 91,666 12,796 Lease liabilities 40,765 37,808 38,281 5,344 Total liabilities 3,440,266 3,520,202 4,467,005 623,570 Ordinary shares 132 132 132 18 Additional paid-in capital 5,198,457 5,201,567 5,210,508 727,359 Treasury stock (170,463) (170,463) (170,686) (23,827) Accumulated other comprehensive income 79,268 40,903 42,195 5,890 Retained earnings 4,435,036 4,681,618 4,900,245 684,048 Total equity 9,542,430 9,753,757 9,982,394 1,393,488 Total liabilities and equity 12,982,696 13,273,959 14,449,399 2,017,058 Operating Highlights and Reconciliation of GAAP to Non-GAAP Measures (in thousands, except for number of borrowers, number of insurance clients, cumulative number of insurance clients and percentages) For the Three Months Ended For the Six Months Ended June 30, 2024 March 31, 2025 June 30, 2025 June 30, 2025 June 30, 2024 June 30, 2025 June 30, 2025 RMB RMB RMB USD RMB RMB USD Operating Highlights Amount of loans facilitated 12,936,017 15,237,923 20,347,799 2,840,443 24,846,384 35,585,722 4,967,575 Number of borrowers 1,491,756 1,375,406 1,637,912 1,637,912 2,439,778 2,466,710 2,466,710 Remaining principal of performing loans 21,827,634 27,458,292 31,220,078 4,358,155 21,827,634 31,220,078 4,358,155 Cumulative number of insurance clients 1,410,158 1,590,394 1,681,888 1,681,888 1,410,158 1,681,888 1,681,888 Number of insurance clients 88,766 77,541 118,747 118,747 153,807 187,833 187,833 Gross written premiums 1,060,885 801,798 850,080 118,667 1,973,316 1,651,878 230,593 First year premium 577,387 412,497 440,353 61,471 1,091,528 852,850 119,053 Renewal premium 483,498 389,301 409,727 57,196 881,788 799,028 111,540 Segment Information Financial services business: Revenue * 851,031 1,294,480 1,489,587 207,938 1,589,148 2,784,067 388,641 Sales and marketing expenses 253,103 260,903 332,405 46,402 505,025 593,308 82,823 Origination, servicing and other operating costs 113,234 140,623 105,617 14,743 199,021 246,240 34,374 Allowance for contract assets, receivables and others 124,765 152,112 216,260 30,189 225,892 368,372 51,423 Provision for contingent liabilities 278,925 410,763 385,674 53,838 346,183 796,437 111,178 Insurance brokerage business: Revenue 91,526 71,460 58,137 8,116 216,452 129,597 18,091 Sales and marketing expenses 4,263 2,795 2,731 381 7,828 5,526 771 Origination, servicing and other operating costs 122,358 81,440 52,683 7,354 259,241 134,123 18,723 Allowance for contract assets, receivables and others (1,502) (578) 564 79 (490) (14) (2) Consumption & lifestyle business and others: Revenue * 553,979 188,586 104,376 14,570 1,069,020 292,962 40,896 Sales and marketing expenses 27,735 13,254 10,030 1,400 49,471 23,284 3,250 Origination, servicing and other operating costs 10,950 2,675 2,559 358 21,550 5,234 730 Allowance for contract assets, receivables and others (11) (1,994) 45 6 (2) (1,949) (272) Reconciliation of Adjusted EBITDA Net income 409,528 247,506 357,540 49,911 895,411 605,046 84,461 Interest income and investment income, net (24,668) (24,206) (24,598) (3,433) (52,381) (48,804) (6,813) Income tax expense 92,036 26,346 63,877 8,917 223,815 90,223 12,595 Depreciation and amortization 2,026 2,297 2,643 369 3,918 4,940 690 Share-based compensation 2,136 2,187 6,932 968 3,343 9,119 1,273 Fair value adjustments related to crypto assets and financial investment 3,601 70,824 (54,979) (7,675) 1,668 15,845 2,211 Adjusted EBITDA 484,659 324,954 351,415 49,057 1,075,774 676,369 94,417 Adjusted EBITDA margin 32.4 % 20.9 % 21.3 % 21.3 % 37.4 % 21.1 % 21.1 % * Since the referral revenue generated after the transformation of the Consumption & lifestyle business segment has all its customers originally derived from the Financial services business segment, such revenue (including the corresponding amount for the first quarter of 2025) has been reclassified from the Consumption & lifestyle business segment to the Financial services business segment. Delinquency Rates 1-30 days 31-60 days 61-90 days December 31, 2020 1.3 % 0.7 % 0.6 % December 31, 2021 2.0 % 1.5 % 1.2 % 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 % March 31, 2025 1.6 % 1.2 % 1.2 % June 30, 2025 1.7 % 1.1 % 1.0 % 30+ Days Delinquency Rates By Vintage* Loan Issued Period Month on Book 2 4 6 8 10 12 14 16 18 20 22 24 2020Q1 0.8 % 2.0 % 3.4 % 4.5 % 5.4 % 5.9 % 6.5 % 6.8 % 7.1 % 7.5 % 8.1 % 8.5 % 2020Q2 0.6 % 2.0 % 3.3 % 4.5 % 5.3 % 6.0 % 6.4 % 6.9 % 7.4 % 8.0 % 8.6 % 8.8 % 2020Q3 1.3 % 2.8 % 4.3 % 5.4 % 6.3 % 6.9 % 7.5 % 8.2 % 8.9 % 9.3 % 9.5 % 9.5 % 2020Q4 0.3 % 1.4 % 2.4 % 3.4 % 4.3 % 5.4 % 6.4 % 7.3 % 7.7 % 8.0 % 8.2 % 8.3 % 2021Q1 0.5 % 1.8 % 3.0 % 4.2 % 5.3 % 6.3 % 7.1 % 7.3 % 7.5 % 7.7 % 7.8 % 7.9 % 2021Q2 0.5 % 2.1 % 3.8 % 5.5 % 6.8 % 7.5 % 7.7 % 7.9 % 8.1 % 8.3 % 8.2 % 8.2 % 2021Q3 0.6 % 2.5 % 4.2 % 5.4 % 6.1 % 6.5 % 6.7 % 6.9 % 6.9 % 6.9 % 6.9 % 6.8 % 2021Q4 0.8 % 2.7 % 4.1 % 4.9 % 5.4 % 5.8 % 5.8 % 5.8 % 5.7 % 5.6 % 5.6 % 5.5 % 2022Q1 0.7 % 2.1 % 3.2 % 4.0 % 4.6 % 4.8 % 4.7 % 4.6 % 4.6 % 4.5 % 4.5 % 4.4 % 2022Q2 0.5 % 1.8 % 2.9 % 3.8 % 4.3 % 4.5 % 4.4 % 4.3 % 4.3 % 4.2 % 4.2 % 4.1 % 2022Q3 0.6 % 2.2 % 3.5 % 4.3 % 4.8 % 5.0 % 5.0 % 4.9 % 4.9 % 4.8 % 4.7 % 4.7 % 2022Q4 0.7 % 2.5 % 3.9 % 4.9 % 5.6 % 5.9 % 5.8 % 5.8 % 5.7 % 5.6 % 5.5 % 5.4 % 2023Q1 0.6 % 2.4 % 4.0 % 5.2 % 5.9 % 6.2 % 6.1 % 6.0 % 5.9 % 5.8 % 5.7 % 5.6 % 2023Q2 0.7 % 3.0 % 4.9 % 6.3 % 7.0 % 7.3 % 7.2 % 7.0 % 6.9 % 6.8 % 6.7 % 6.6 % 2023Q3 0.9 % 3.7 % 5.8 % 7.1 % 7.9 % 8.1 % 8.0 % 7.9 % 7.7 % 7.6 % 7.5 % 2023Q4 0.8 % 3.6 % 5.8 % 7.0 % 7.6 % 7.8 % 7.7 % 7.5 % 7.4 % 7.4 % 2024Q1 0.7 % 3.2 % 5.0 % 6.1 % 6.7 % 7.0 % 6.9 % 6.9 % 2024Q2 0.6 % 2.5 % 4.2 % 5.3 % 6.0 % 6.2 % 6.4 % 2024Q3 0.6 % 2.3 % 3.8 % 4.9 % 5.5 % 2024Q4 0.7 % 2.4 % 3.9 % 4.9 % 2025Q1 0.6 % 2.3 % 2025Q2 0.7 % *The 30+ days delinquency rate by vintage refers to the outstanding principal balance of loans facilitated over a specified period that are more than 30 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 WANT YOUR COMPANY'S NEWS FEATURED ON PRNEWSWIRE.COM? 440k+ Newsrooms & Influencers 9k+ Digital Media Outlets 270k+ Journalists Opted In

Yiren Digital Reports Second Quarter 2025 Financial Results

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