Yiren Digital (YRD) Q4 2025 Earnings Transcript

Motley Fool Transcribing, The Motley Fool

Tue, June 2, 2026 astatine 12:18 PM CDT 27 min read

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DATE

Thursday, March 19, 2026 astatine 8 a.m. ET

CALL PARTICIPANTS

• Founder, Chairman, and Chief Executive Officer — Ning Tang

• Chief Financial Officer — Ka Hui

Full Conference Call Transcript

Ning Tang: Thank you, Keyao. Good day, everyone, and convey you each for joining us. In 2025, we celebrated 10-year day of our listing connected the New York Stock Exchange. Together, we person reached galore milestones. We made a breakthrough successful our AI innovation wherever we completed regulatory filing of our ain ample connection model, Zhiyu. In the 2nd fractional of the year, we released our archetypal multi-agent platform, Magicube. With enactment of these AI tools, we incubated our Internet security business, which has achieved beardown maturation 4th -- beardown maturation quarter-after-quarter successful 2025. 2025 was besides a twelvemonth that demanded the champion of america and our squad delivered.

Heightened recognition regulations and industry-wide deterioration successful recognition prime created important unit crossed our business. Yet we navigated these headwinds with subject and operational resilience. Equally important, we participate 2026 with increasing confidence. Our next-generation fintech level is gaining meaningful traction and validating the strategical investments we've made. I'm profoundly grateful to our full squad for their dedication and resoluteness done 1 of the astir challenging periods successful our caller history. The accelerated advancement of AI is fundamentally reshaping the industries we run in, and we judge we are uniquely positioned to pb that transformation.

Our years of heavy vertical expertise successful recognition facilitation and security brokerage, combined with the AI infrastructure and cause technologies we've purposefully built springiness america a differentiated instauration to reimagine our concern ecosystem, accelerating maturation and unlocking caller avenues of innovation. Amid these challenges, we made meaningful advancement connected the 2 strategical priorities that volition specify Yiren Digital's adjacent chapter, the continued scaling of Internet security organisation arsenic our 2nd halfway maturation motor and the accelerating integration of AI capabilities crossed our concern operations. Both are delivering results and some springiness america assurance successful the trajectory ahead.

For years, we person applied our proprietary AI capabilities to continuously analyse our level data, systematically searching for wherever our adjacent maturation accidental lies. That process of disciplined find led america to a wide and compelling insight. Our users demonstrated beardown validated request for online security products, request that was underserved and ripe for a technology-driven solution. In the 3rd 4th of 2025, gross written premiums generated done our Internet security organisation concern surged by 206% quarter-over-quarter. This beardown momentum continued successful the 4th fourth with different 95% quarter-over-quarter maturation and the gross publication to the conception had reached 22% successful the 4th quarter.