Yiren Digital Reports Q2 2025 Financial Results: Revenue Up 10%, Financial Services Segment Up 75% YoY.

Yiren Digital reported Q2 2025 total revenue of RMB1,652.1 million, a 10% YoY increase. The Financial Services segment saw a 75% YoY revenue increase to RMB1,489.6 million. The company declared a semi-annual dividend of US$0.22 per ADS, reflecting confidence in sustainable cash flows. Total loans facilitated reached RMB20.3 billion, a 57% YoY increase, with a cumulative borrower base of 13.5 million users.

Yiren Digital Ltd. (YRD), an AI-powered financial services platform, reported robust financial results for the second quarter of 2025. The company’s total revenue reached RMB1,652.1 million, marking a 10% year-over-year (YoY) increase. The Financial Services segment, which now constitutes 90% of the company’s total revenue, experienced a significant 75% YoY revenue increase to RMB1,489.6 million [1].

The company facilitated a total of RMB20.3 billion in loans during the quarter, representing a 57% YoY increase and a 34% sequential growth. This growth was driven by strong demand for small revolving loan products, with the number of borrowers served increasing to 13.5 million, a 25% increase from the same period in 2024 [2].

Despite the robust revenue growth, Yiren Digital’s net income declined to RMB357.5 million, primarily due to higher provisions under its risk-taking lending model. The company attributed this to the higher loan volume facilitated under the model, which required substantial upfront accounting adjustments. However, the company’s AI investments continue to drive growth, with research and development expenses surging by 94% YoY to RMB107.7 million [3].

Looking ahead, Yiren Digital projects Q3 2025 revenue between RMB1.4 billion and RMB1.6 billion, driven by continued expansion in domestic and international markets. The company declared a semi-annual dividend of US$0.22 per ADS, reflecting management’s confidence in sustainable cash flows [1].

The company’s strategic priorities—AI innovation, geographic expansion, and operational excellence—form a coherent framework for long-term growth. The international expansion strategy presents opportunities to refine AI algorithms in diverse markets with varying risk profiles and customer behaviors [3].

References:
[1] Yiren Digital Reports Second Quarter 2025 Financial Results (https://www.prnewswire.com/news-releases/yiren-digital-reports-second-quarter-2025-financial-results-302535704.html)
[2] Yiren Digital Returns To Profit Thanks To Loan Growth (https://finimize.com/content/yiren-digital-returns-to-profit-thanks-to-loan-growth)
[3] Yiren Digital shifted to core financial services, driving 75% revenue growth to RMB1.49B in Q2 2025. (https://www.ainvest.com/news/ai-powered-shift-drives-yiren-75-revenue-surge-financial-services-2508/)