Yuanbao (NasdaqGM:YB) Q3 2025 Earnings Call December 03, 2025 07:00 AM ET Company ParticipantsNone - TranslatorRui Fang - Chairman and CEOStella Liu - Associate Director of Investor Relations and StrategyRay Wan - CFOConference Call ParticipantsNone - AnalystYue Xu - AnalystAmy Chen - AnalystNone - AnalystYuan Liao - AnalystYiting Xu - AnalystOperatorLadies and gentlemen, good day, and welcome to Yuanbao Inc.'s Third Quarter 2025 Earnings Conference Call. Today's conference is being recorded. At this time, ...

BEIJING, Dec. 03, 2025 (GLOBE NEWSWIRE) -- Yuanbao Inc. (“Yuanbao” or the “Company”) (NASDAQ: YB), a leading technology-driven online insurance distributor in China, today announced its unaudited financial results for the third quarter ended September 30, 2025. Third Quarter 2025 Financial and Operational Highlights Total revenues in the third quarter of 2025 were RMB1,157.9 million (US$162.6 million), representing a 33.6% year-over-year increase from RMB866.8 million in the same period of 2024.Net income i ...

Core Viewpoint - Yuanbao Inc. is set to release its third quarter 2025 unaudited financial results on December 3, 2025, before U.S. market opening, followed by an earnings conference call to discuss the results [1]. Company Overview - Yuanbao Inc. is a leading technology-driven online insurance distributor in China, focused on health and well-being through innovative technology [3]. - The company utilizes a proprietary consumer service cycle engine and advanced technologies to provide customized insurance solutions to over ten million consumers [3]. - Yuanbao collaborates closely with insurance carriers, leveraging data-driven insights to enhance product offerings and consumer engagement [3].

Core Insights - Yuanbao Inc. reported strong operational and financial performance in Q2 2025, with significant growth in new policies and technological advancements [4][6][7] Financial and Operational Highlights - Total net revenues for Q2 2025 reached RMB1,069.9 million (US$149.4 million), a 25.2% increase year-over-year from RMB854.5 million [6][7] - Net income for Q2 2025 was RMB304.7 million (US$42.5 million), reflecting a 55.6% year-over-year increase from RMB195.9 million [6][17] - The number of new policies issued in Q2 2025 was 7.9 million, a 49.9% increase from 5.3 million in the same period of 2024 [6][4] Revenue Breakdown - Revenues from insurance distribution services in Q2 2025 were RMB350.6 million (US$48.9 million), a 29.6% year-over-year increase [8] - Revenues from system services in Q2 2025 were RMB718.2 million (US$100.3 million), representing a 23.8% year-over-year increase [9] - Revenues from other services in Q2 2025 were RMB1.1 million (US$0.2 million), a 71.7% decrease year-over-year [10] Cost and Expense Analysis - Total operating costs and expenses in Q2 2025 were RMB772.2 million (US$107.8 million), a 16.0% year-over-year increase [11] - Selling and marketing expenses in Q2 2025 were RMB602.1 million (US$84.0 million), a 14.1% increase year-over-year [13] - Research and development expenses in Q2 2025 were RMB81.7 million (US$11.4 million), a 55.4% year-over-year increase [15] Cash Flow and Position - As of June 30, 2025, the company had cash and cash equivalents totaling RMB3.42 billion (US$477.2 million), a 99.1% year-over-year increase [20] - Net cash provided by operating activities in Q2 2025 was RMB453.2 million (US$63.3 million) [20] Technological Advancements - The company has developed over 4,800 models capable of analysis across more than 5,300 labels, enhancing operational efficiency and user satisfaction [4] - Deployment of advanced technologies, including large language models and a proprietary RAG system, has improved coding efficiency and knowledge management [6][4]

Core Viewpoint - Yuanbao Inc. is set to release its second quarter 2025 unaudited financial results on August 27, 2025, before U.S. market opening, followed by an earnings conference call to discuss the results [1]. Company Overview - Yuanbao Inc. is a leading technology-driven online insurance distributor in China, focused on health and well-being through innovative technology [3]. - The company utilizes a proprietary consumer service cycle engine and advanced technologies to provide customized insurance solutions to over ten million consumers [3]. - Yuanbao collaborates closely with insurance carriers, leveraging data-driven insights to enhance product offerings and consumer engagement [3].

Core Viewpoint - Yuanbao Inc. is set to release its first quarter 2025 unaudited financial results on June 5, 2025, before U.S. market opening, followed by an earnings conference call [1] Company Overview - Yuanbao Inc. is a leading technology-driven online insurance distributor in China, focusing on health and well-being through innovative technology [3] - The company utilizes a proprietary consumer service cycle engine and advanced technologies to provide customized insurance solutions to over ten million consumers [3] - Yuanbao collaborates closely with insurance carriers, leveraging data-driven insights to enhance product offerings and consumer engagement [3]