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Yiren Digital Ltd Sponsored ADR (YRD)
NYSE:YRD
Earnings Data
Report Date
Aug 14, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
―Last Year’s EPS
―Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Date:Jun 12, 2025
|% Change Since: -20.32%
|Next Earnings Date:Aug 14, 2025
Earnings Call Sentiment|Neutral
The earnings call presented a mixed outlook. While there was substantial growth in loan volume and successful international expansion, the insurance and lifestyle segments faced significant declines. Additionally, increased provisions and decreased net income indicate financial challenges. However, the positive impacts of AI on operational efficiency and a strategic focus on international growth provide a balanced view.Company Guidance
During the first quarter of 2025, Yiren Digital reported a solid performance with a total loan volume facilitated of RMB 15.2 billion, representing a 28% increase year-over-year despite a slight decline of less than 1% quarter-over-quarter. The company projects double-digit growth in loan volume for the second quarter, driven by a significant increase in repeat borrowing rate to 74% and the addition of three new partnerships. AI-driven initiatives have significantly enhanced operations, with the AI customer service system handling over 30 million calls per month and achieving a 96% 22nd core pickup rate, up from 85% in the prior quarter. In terms of asset quality, delinquency rates remained stable at historical lows, with loans 1 to 30 days past due at 1.6%. The company's international expansion is progressing well, with loan volume in the Philippines reaching RMB 123.7 million, marking a 74% growth from Q4 2024, and preparations for expansion into Indonesia expected to launch in the second half of 2025. However, the insurance brokerage business faced challenges, with a 12% decline in total premiums to RMB 801.8 million and a 43% drop in revenue year-over-year. Overall, Yiren Digital's total revenue for the first quarter increased by 13% year-over-year to RMB 1.6 billion, despite a 49% year-over-year decline in net income to RMB 248 million due to increased provisions for contingent liabilities and higher R&D expenses.Loan Volume Growth
Loan volume facilitated reached RMB 15.2 billion in Q1 2025, representing a 28% increase year-over-year.
International Expansion Success
Loan volume in the Philippines reached RMB 123.7 million, representing a 74% growth compared to Q4 2024, with new borrowers' loan facilitation up 108% quarter-over-quarter.
AI-Driven Operational Efficiency
AI customer service system handles over 30 million calls per month, boosting acquisition efficiency and cutting labor costs; AI collection robots saved approximately RMB 1.9 million monthly in labor costs.
Revenue Increase
Total revenue increased 13% year-over-year to RMB 1.6 billion in Q1 2025.
Repeat Borrowing Rate Increase
Repeat borrowing rate increased to 74% in Q1 2025 compared to 65% in Q4 2024.
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 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% |
Aug 20, 2024 | $4.61 | $4.49 | -2.60% |
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 14, 2025, TBA Not Confirmed.
What is Yiren Digital Ltd Sponsored ADR (YRD) earnings time?
Yiren Digital Ltd Sponsored ADR (YRD) earnings time is at Aug 14, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is YRD EPS forecast?
Currently, no data Available