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Earnings Data
Report Date
Aug 13, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
0.57Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call conveyed meaningful operational progress: credit metrics and asset quality showed clear improvement, provisions and allowances declined, losses narrowed, marketing and operating costs were materially reduced, and the internet insurance business and AI ecosystem demonstrated early traction. However, the company still faces a significant year-over-year revenue decline (-41% YoY), ongoing net losses and negative adjusted EBITDA, and some uncertainty around the timing and capital needs of larger AI infrastructure initiatives. The narrative is of a company in transition with improving underlying fundamentals but remaining near-term profitability and revenue challenges.Company Guidance
Improving Credit Quality and Customer Loyalty
Repeat borrowing ratio reached a record 78% (vs. 74% YoY and 77% in Q4 2025). FPD30+ rate improved to 0.76% (from 1.16% in the prior-year comparable period). Early-stage delinquency buckets improved meaningfully: 1–30 days at 2.5%, 31–60 days at 2.7%, and 61–90 days at 3.2%. Asset recovery rate increased for the first time in five quarters, reflecting healthier asset quality and the benefits of AI-driven risk management.
Insurance Business Momentum and Digital Distribution
Insurance revenue was RMB 87.2 million, up 4% sequentially and 22% year-over-year. Internet insurance contribution rose to 29% of total insurance revenue (from 22% in the prior quarter and negligible a year ago). Management reported strong internet insurance traction (Ning referenced ~1 million new policies in a referenced quarter and large YoY growth in clients).
Substantial Reduction in Provisions and Allowances Quarter-over-Quarter
Allowance for credit assets, receivables and others declined to RMB 176.4 million from RMB 302.8 million in Q4 2025 (a reduction of ~RMB 126.4 million, ~41.7%). Provisions for contingent liabilities decreased to RMB 632.2 million from RMB 1.11 billion in Q4 2025 (a reduction of ~RMB 478 million, ~43.1%).
Narrowing Losses and Improved Operating Profitability
Adjusted EBITDA loss narrowed to CNY 337 million from a loss of CNY 1.0 billion in Q4 2025 (roughly a 66% improvement). Net loss improved to CNY 494.7 million from CNY 868.2 million last quarter (an improvement of ~CNY 373.5 million, ~43%). Management attributed improvements to credit normalization and AI-driven operating efficiencies.
Operating Cost Reductions and Marketing Efficiency
Sales and marketing expenses declined to CNY 113.6 million, down 45% from Q4 2025. Origination, servicing and other operating costs decreased to CNY 197.6 million from CNY 250.9 million. Customer acquisition cost as a percentage of revenue fell by more than 50% year-over-year, aided by AI-powered precision marketing and a higher repeat-borrower base (78% of loan volume).
Strong Liquidity Position
Cash and cash equivalents of CNY 2.45 billion, restricted cash of CNY 383.4 million, and financial investments of CNY 507.5 million, totaling approximately CNY 3.3 billion in liquidity, providing runway for operations and strategic investments.
Progress on AI Platform and Ecosystem
Launched MagiCube 2.0 (enterprise-grade AI operating platform) and expanded capabilities (Zhiyu LLM, ZhiNao orchestration, XuanJi autonomous agent). Incubated and strategically invested in 9+ AI-native startups; highlighted portfolio traction: the AI education company achieved ~RMB 2 million monthly GMV with double-digit month-over-month growth, and an AI-native entertainment company has 350,000+ followers, demonstrating early commercial and community traction.
Disciplined Capital Allocation Toward Strategic AI Investments
Management emphasized staged, performance-linked warrant agreements with select portfolio companies that provide optionality to increase ownership over time only upon achieving operational milestones; this approach aims to align capital deployment with operational progress while preserving balance sheet flexibility.
YRD Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
YRD Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jun 25, 2026 | $1.13 | $1.10 | -2.65% |
Mar 19, 2026 | $3.68 | $2.03 | -44.84% |
Nov 25, 2025 | $4.60 | $4.25 | -7.61% |
Aug 21, 2025 | $5.63 | $5.84 | +3.60% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Yiren Digital Ltd. Sponsored Adr (YRD) report earnings?
Yiren Digital Ltd. Sponsored Adr (YRD) is schdueled to report earning on Aug 13, 2026, After Close (Confirmed).
What is Yiren Digital Ltd. Sponsored Adr (YRD) earnings time?
Yiren Digital Ltd. Sponsored Adr (YRD) earnings time is at Aug 13, 2026, After Close (Confirmed).
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What is YRD EPS forecast?
Currently, no data Available