Yiren Digital Ltd. reported its unaudited fourth‑quarter and full‑year 2025 financial results, showing a net revenue of RMB 957.6 million for the quarter and RMB 5.719 billion for the year. The quarter ended December 31, 2025.
The company posted a net loss of RMB 882.2 million in Q4, a sharp reversal from the net income of RMB 331.4 million recorded in the same period a year earlier. For the full year, Yiren Digital earned a net income of RMB 40.5 million, compared with a net income of RMB 1.582 billion in 2024, reflecting a 97% decline in profitability.
Revenue fell 34% YoY in Q4 to RMB 957.6 million, driven by a 21% drop in the credit‑solution segment (RMB 832.7 million) and a 21% decline in the insurance‑brokerage segment (RMB 83.8 million). The decline is largely attributable to lower service‑fee rates imposed by new regulatory rules and a strategic reduction in loan‑facilitation volume, which fell 22% to RMB 12.0 billion in Q4.
Full‑year revenue slipped 1% to RMB 5.719 billion, a 1% decline from RMB 5.805 billion in 2024. While total loan facilitation volume increased 26% to RMB 67.8 billion for the year, the mix shift toward higher‑risk, lower‑fee products and increased provisions for contingent liabilities compressed margins.
Yiren Digital maintained its 2025 revenue and earnings guidance, but the Q4 revenue of RMB 957.6 million was significantly below the previously issued guidance range of RMB 1.4 billion to RMB 1.6 billion. The company clarified that the guidance applies to the full year, and that the Q4 miss reflects the impact of regulatory fee caps and the ongoing transition to a higher‑quality, lower‑volume model.
Management highlighted the role of the AI‑driven risk‑management system, which saved the company RMB 80 million in direct costs and helped avoid fraud losses. CEO Ning Tang said the AI strategy is “crucial as we redefine Yiren Digital from a fintech company to an AI‑native company,” emphasizing that AI will expand beyond financial services into new sectors.
The company announced a temporary suspension of its semi‑annual cash dividend for the second half of 2025 to preserve reserves for credit fluctuations and technology investments. The move signals a cautious capital‑preservation stance amid the tighter regulatory environment.
Market reaction to the results was muted, with the stock falling 2% on the day of the announcement. Analysts noted that the Q4 loss, revenue miss, and dividend suspension weighed on sentiment, while the company’s AI investments and internet‑insurance distribution channel were seen as potential long‑term growth drivers.
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