Yuanbao's revenue in 2025 is expected to be 4.373 billion yuan: AI enters large-scale application

Leidi Network, March 18 Insurance technology company Yuanbao (NASDAQ:YB) today released its unaudited financial results for the three months ending December 31, 2025, and for the year 2025. The financial report shows that Yuanbao's revenue for 2025 was RMB 4.373 billion, a year-on-year increase of 33.1%; the company's profitability continued to improve, with a net profit of RMB 1.308 billion. As of December 31, 2025, Yuanbao's cash reserves reached RMB 4.04 billion. In the fourth quarter, the company's revenue reached RMB 1.175 billion, a year-on-year increase of 32.2%, with a net profit of RMB 337 million. As of December 31, 2025, Yuanbao's model network has expanded to over 4,900 models and 5,700 features, adding more than 290 models and 820 features compared to the same period last year. With the deep empowerment of AI technology, the company's operational efficiency and business scale have improved simultaneously, with the total number of new policies reaching 30.66 million, a year-on-year increase of 36.7%, and approximately 7.9 million new policies in the fourth quarter, a year-on-year increase of 34.5%. In terms of technology strategy, Yuanbao's AI large model has entered the stage of large-scale implementation, deeply empowering the company's core business processes. Firstly, the company continues to promote the upgrade and integrated construction of the large model platform, with AI capabilities entering the stage of large-scale application. Through the reinforcement training of industry corpus and deep integration with the knowledge base, the model's performance in scenarios such as professional insurance Q&A, multi-turn dialogue, and clause interpretation has been continuously optimized; at the same time, a multi-model intelligent scheduling mechanism has been improved to enhance system stability and access efficiency, reducing the AI application development costs on the business side. Secondly, the company accelerates the application of intelligent agents throughout the entire process, covering product explanations, intelligent recommendations, customer service quality inspection, agent assistance, and claims material classification, significantly improving service and claims efficiency, with the usage of intelligent agents and business penetration rates steadily increasing. In terms of technical talent development, Yuanbao's AI team size continues to maintain over 10% of the company's total employee count Currently, the commercial health insurance industry has entered a new stage of high-quality development. From the direction of high-quality development anchored by the National Financial Regulatory Administration for health insurance, to the joint release of the first version of the "Commercial Insurance Innovative Drug Catalog" by the National Medical Insurance Administration and the Ministry of Human Resources and Social Security, and the clear proposal in the 2026 "Government Work Report" to "improve the multi-level medical security system" and emphasize "accelerating the development of commercial health insurance," a series of policies have opened up broad space for industry development. At the same time, 2026 marks the beginning of the "14th Five-Year Plan," and the "Government Work Report" proposes to deepen and expand "Artificial Intelligence +," promoting the large-scale application of artificial intelligence in key industries. AI is fundamentally restructuring the service model of the insurance industry and enhancing operational efficiency, making technological capabilities a key competitive factor and injecting strong momentum into high-quality development. In line with industry trends, Yuanbao continues to upgrade its products and services to create inclusive and efficient insurance services. In 2025, the company upgraded its "0 yuan deductible" and critical illness hospitalization allowance coverage, launching the "Ruyi Compensation" concierge-style claims service. The claims annual report shows that the highest cumulative claim amount for individual medical insurance reached 1.83 million yuan, with the fastest case closure in just 3.4 minutes. In terms of consumer rights protection, Yuanbao integrates consumer protection throughout the entire process, using AI to enhance customer service quality inspection, data security, and black market prevention scenarios, effectively safeguarding user rights. With industry-leading innovative practices and brand influence, Yuanbao successfully made it onto the "2025 Forbes China Business Brand Management Influence Selection" list, being the only company in the insurance technology sector to be listed; Yuanbao Group's founder and CEO Fang Rui also made it onto the "2025 Forbes China New Era Disruptive Founders" and "2025 Forbes China Sci-Tech Innovators" lists, becoming the only founder in the insurance field to receive both honors. Fang Rui, founder and CEO of Yuanbao Group, stated: "2025 is a key year for China to approach the AI singularity, and China's sci-tech innovation power is thriving. As a benchmark force in the insurance technology field, Yuanbao has made solid progress in technology innovation and product services. We have verified the sustainability of our business model through steady performance growth and built core competitive barriers through the deep application of AI technology. Currently, as we enter the first year of the '14th Five-Year Plan,' the policy dividends for health insurance continue to be released, and the value of technology empowerment is becoming more prominent, driving inclusive insurance towards high-quality development. Looking to the future, we will adhere to our original intention of 'using technology to promote inclusive insurance,' bravely venture into the deep waters of technology, delve into new industry tracks, and continuously deepen the integration of AI large models with insurance scenarios, understanding and responding to every user's protection needs. We firmly believe that only by deeply integrating technology into the industry and rooting it in people's lives can we create sustainable commercial value and profound social value." ———————————————