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Yiren Digital expands AI deployment group-wide

Yiren Digital has introduced a company-wide AI operating model and a unified framework that enables reuse of modules, models and governance across business units. The architecture includes the large language models Zhiyu and Yizhi, the multi-agent platform MagiCube 2.0, the workflow engine XuanJi and the orchestration layer ZhiNao. AI is already productive in lending and insurance businesses and is being further rolled out to customer service, marketing, capital markets, risk management, compliance and research and development; capabilities are intended to be transferable to other areas without rebuilding the core models. » More on de.investing.com
Yiren Digital expands AI-powered customer operations

Yiren Digital has expanded the use of AI across its customer operations company-wide, including intelligent customer service, proactive customer communications, quality checks and workflow automation. The AI platform MagiCube 2.0 and the workflow layer XuanJi are driving the automation; the adoption rate is 98.7% and the autonomous problem-resolution rate is just under 80%. The voice assistant Fengchao processes about 1,500 hours of real-time speech-to-text daily with 97.8% recognition accuracy, a quality inspection agent checks more than 2 million sales records per day, and customer complaints fell by 35.97% in 2025 with 100% handled within 24 hours. » More on de.investing.com
Yiren Digital deploys AI agents and significantly reduces manual debt-collection effort

Yiren Digital reports operational improvements from using AI agents on the multi-agent platform MagiCube 2.0: manual intervention in receivables collection fell from 45.0% to 24.9% (-20.1 percentage points), and service tickets handled per employee rose from 358 to 525 (≈+47%). In 2025 AI agents handled 81% of service tickets on day one in collections (vs. 50% in 2024); agents are also used in later work stages. The voice agent Fengchao processes about 1,500 hours of speech-to-text per day, the marketing platform LingShu executes over 1,700 tasks daily, and the company plans to further expand agent-supported processes in its lending and insurance businesses. » More on de.investing.com

Historical dividends Dividends

All dividend metrics All metrics

In 2025, YIREN DIG. ADR/2 DL-,0001 has already paid €0.39 in dividends. The last payout was in October 2025.

Financials

In the last quarter, YIREN DIG. ADR/2 DL-,0001 had revenue of €114.78m and net profit of -€57.62m

(EUR)	June 2026	YoY
Revenue	114.78m	42.12%
Gross profit	90.33m	49.61%
Net profit	-57.62m	236.09%
EBITDA	-54.75m	220.36%

Fundamentals

Metric	Value
Market capitalization	€30.55m
Number of shares	86.93m
52-week high/low	€4.99 - €0.32
Dividends	No
Beta	1.23
P/E ratio	-0.15
PEG ratio	0.00
P/B ratio	0.03
P/S ratio	0.05

Company profile

Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.