YRD•YRD•Yiren Digital facilitated RMB8.9 billion in loans in Q1 2026, down 26% sequentially and 42% year-over-year, while net revenue declined to RMB915.1 million, down 4% sequentially and 41% year-over-year. Insurance brokerage revenue rose 22% year-over-year to RMB87.2 million as client count grew 413% annually.
In Q1 2026, Yiren Digital facilitated RMB8.9 billion in total loans, down 26% sequentially and 42% year-over-year, serving 531,500 borrowers, a 28% sequential and 61% annual decline. Repeat borrowers accounted for 78% of volume and cumulative borrowers reached 14.5 million. Insurance clients rose 49% sequentially and 413% annually to 397,854, with 999,575 new policies sold.
Total net revenue was RMB915.1 million, down 4% sequentially and 41% year-over-year. Credit solutions revenue fell to RMB795.7 million, a 4% sequential and 39% annual decline, while insurance brokerage revenue grew 4% sequentially and 22% annually to RMB87.2 million, driven by expanded internet distribution.
The company launched MagiCube 2.0 with new XuanJi execution and ZhiNao orchestration layers and introduced AI Buddy co-pilot for employees. It also made seed investments in three early-stage AI application firms across entertainment, language learning and research productivity tools.
Management reported improved credit performance and a stabilizing loan portfolio, expecting meaningful profitability gains in H2 2026. The company plans to optimize capital allocation and accelerate its 'All-in-AI' strategy to drive new growth and long-term value.
