Fintech Yiren Digital's Q3 revenue up 5% on financial services unit strength
Overview
Yiren Digital Q3 2025 revenue grows 5% yr/yr, driven by financial services segment
Net income for Q3 2025 decreases due to upfront provisions and declining fee rates
Company reports 51% increase in loans facilitated in Q3 2025 compared to last year
Outlook
Yiren Digital projects Q4 2025 revenue between RMB1.4 bln and RMB1.6 bln
Result Drivers
LOAN DEMAND - Persistent demand for small revolving loan products and higher repeat borrowing rate drove financial services revenue growth
CREDIT POLICY - Strategic tightening of credit policy led to a decrease in the number of borrowers due to industry-wide credit risk fluctuations
INSURANCE GROWTH - Internet insurance and renewal premiums drove growth in gross written premiums despite a year-over-year decrease
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q3 Revenue |
| RMB 1.55 bln |
|
Q3 Net Income |
| RMB 317.64 mln |
|
Q3 Adjusted EBITDA |
| RMB 236.80 mln |
|
Q3 Pretax Profit |
| RMB 373.69 mln |
|
Press Release: ID:nPn4rn9KBa
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