Core Viewpoint - Yiren Digital Ltd. is set to release its unaudited financial results for Q2 2025 on August 21, 2025, before the U.S. market opens, indicating a focus on transparency and communication with investors [1]. Company Overview - Yiren Digital Ltd. operates as an AI-powered platform that provides a comprehensive suite of financial services in Asia, aiming to enhance customers' financial well-being and quality of life through digital financial services and tailored insurance solutions [2]. - The company supports clients at various growth stages, addressing financing needs related to consumption and production activities, with a goal to improve the overall well-being and financial security of individuals, families, and businesses [2]. Earnings Conference Call - An earnings conference call will be hosted by Yiren Digital's management at 8:00 a.m. U.S. Eastern Time on August 21, 2025, allowing stakeholders to engage directly with the company's leadership [1]. - Participants interested in joining the call must register online in advance to receive dial-in details, and a live and archived webcast will be available for broader access [2].

Financial Performance - Total revenue increased by 19% year-over-year in FY2024[38], reaching RMB 5805901 million[62] - Loans facilitated increased by 49% year-over-year[38], reaching RMB 53591593 million[66] - The number of borrowers served increased by 45% year-over-year in FY2024[38], totaling 4187502[66] - GAAP net income decreased by 24% year-over-year in FY2024[51], amounting to RMB 1582299 million[62] Business Highlights - The company served over 100 million registered users[21] - Repeat borrowing rates are projected to exceed 70% by 2025 due to upgraded customer segmentation[45] - As of December 31, 2024, the company partners with over 120 institutions nationwide, offering over 1200 insurance products[32] Strategic Focus - The company aims to expand its customer base and increase credit lines for high-quality borrowers through AI systems[56] - The company is proactively adapting insurance products and partnerships to embrace new regulations, enhancing partnerships via 2B2C and B2B models[56] - The company is strategically expanding its financial services business into global markets, capitalizing on expertise from the Philippines[56]