Fintech Yiren Digital's Q3 revenue up 5% on financial services unit strength
Yiren Digital's Q3 2025 revenue increased by 5% year-over-year, driven by the financial services segment. However, net income decreased due to upfront provisions and declining fee rates. The company saw a 51% increase in loans facilitated. For Q4 2025, Yiren Digital projects revenue between RMB1.4 billion and RMB1.6 billion. Key drivers included persistent loan demand, strategic tightening of credit policy, and growth in internet insurance premiums.
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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/Mis Actual Consensu
s s
Estimate
Q3 RMB 1.55
Revenue bln
Q3 Net RMB
Income 317.64
mln
Q3 RMB
Adjusted 236.80
EBITDA mln
Q3 RMB
Pretax 373.69
Profit mln
Press Release: For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact . (This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)
