The earnings call highlighted significant growth in loan volume and AI innovation benefits, alongside international expansion success. However, regulatory challenges and declines in net income and insurance brokerage revenue present notable concerns.

Company Guidance

During the second quarter of 2025 earnings call for Yiren Digital, guidance highlighted several key metrics. The company reported a 34% increase in loan volume quarter-over-quarter, reaching RMB 20.3 billion, and a 57% year-over-year growth, with repeat borrowing rising to 77%. The AI-powered strategy led to significant operational enhancements, such as the AI sales agent executing over 1,700 personalized marketing tasks daily and the AI risk manager blocking over 30,000 high-risk identity documents each day, preventing approximately RMB 180 million in annual fraud losses. Loan-guarantee services revenue surged nearly 3.6 times year-over-year, contributing to a 30.2% contribution margin for financial services. The company also announced a USD 0.22 per ADS cash dividend, payable on October 15, 2025. Looking ahead, Yiren Digital projects third-quarter revenue to be between RMB 1.4 billion and RMB 1.6 billion, amidst expectations of manageable capital costs and stable risk performance.

Strong Loan Volume Growth

Loan volume facilitated reached RMB 20.3 billion in Q2, representing a 34% increase quarter-over-quarter and a 57% growth year-over-year.

AI Innovation Impact

AI systems significantly enhanced operational efficiency, with the AI capital manager reducing process time from one week to 10 minutes and AI risk manager preventing over RMB 180 million of fraud annually.

International Expansion Success

Loan volume in the Philippines reached nearly RMB 200 million, representing a 54% growth compared to Q1 2025.

Rebound in Net Income

Net income rebounded to RMB 358 million in Q2, a 44.5% increase quarter-on-quarter.

Dividend Announcement

Announced a cash dividend of USD 0.22 per ADR share, payable on October 15, 2025.

Yiren Digital (YRD) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

YRD Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 19, 2025	2025 (Q3)	- / -	0.563	―	―	―
Aug 21, 2025	2025 (Q2)	- / 0.57	0.647	-12.21% (-0.08)
Jun 12, 2025	2025 (Q1)	- / 0.39	0.767	-49.02% (-0.38)
Mar 20, 2025	2024 (Q4)	- / 0.53	6.451	-91.77% (-5.92)
Nov 20, 2024	2024 (Q3)	- / 0.56	6.217	-90.94% (-5.65)
Aug 20, 2024	2024 (Q2)	- / 0.65	2.944	-78.02% (-2.30)
Jun 21, 2024	2024 (Q1)	- / 0.77	2.371	-67.65% (-1.60)
Mar 21, 2024	2023 (Q4)	- / 0.90	0.754	19.40% (+0.15)
Nov 21, 2023	2023 (Q3)	- / 0.87	0.061	1316.17% (+0.81)
Aug 17, 2023	2023 (Q2)	- / 0.41	0.359	14.55% (+0.05)

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
Aug 21, 2025	$5.83	$6.04	+3.60%
Jun 12, 2025	$7.43	$6.76	-9.02%
Mar 20, 2025	$8.35	$6.64	-20.48%
Nov 20, 2024	$5.75	$4.71	-18.09%

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 Nov 19, 2025, After Close (Confirmed).

What is Yiren Digital Ltd. Sponsored Adr (YRD) earnings time?

Yiren Digital Ltd. Sponsored Adr (YRD) earnings time is at Nov 19, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

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What is YRD EPS forecast?

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