Yiren Digital Reports Q2 2026 Financial Results
News related to:Yiren Digital Ltd · 2 min read
BEIJING, Sept. 30, 2026 /CourierPR/ -- Yiren Digital Ltd. reported its unaudited financial results for the second quarter ended June 30, 2026. The company, a leading player in financial technology and artificial intelligence innovation, saw several key improvements and expansions in its operations.
Later-stage delinquency rates improved significantly, with 31-60 day and 61-90 day delinquency rates declining to 2.0% and 2.4% as of June 30, 2026, from 2.7% and 3.2% in the previous quarter. This improvement reflects the company's ongoing focus on maintaining a high-quality credit portfolio. Repeat borrowers, who account for 82% of total loans facilitated, continue to be a cornerstone of the company's business, up from 78% in the first quarter of 2026 and 77% in the same period of 2025.
The company's insurance brokerage business also saw substantial growth, with the number of insurance clients increasing by 281% year over year and the number of new insurance policies increasing by 177% year over year. Insurance brokerage revenue increased by 16% year over year, indicating a strong performance in this segment.
Yiren Digital also announced a new share repurchase program, authorizing the company to repurchase up to US$20.0 million worth of its shares over the following 12 months. This move is part of the company's strategy to return value to shareholders.
In its credit solution business, total loans facilitated in the second quarter of 2026 amounted to RMB6.3 billion (US$0.9 billion), a decrease of 29% compared to RMB8.9 billion in the first quarter of 2026 and 69% compared to RMB20.3 billion in the same period of 2025. The average loan size was RMB11,610 during the second quarter of 2026, a 3% decrease from RMB11,991 in the first quarter of 2026, but a 57% increase from RMB7,398 in the same period of 2025. The number of borrowers served in the second quarter of 2026 was 424,489, a 20% decrease from 531,500 in the first quarter of 2026, and a 74% decrease from 1,637,912 in the same period of 2025.
Yiren Digital's All-in-AI strategy continued to generate measurable efficiency gains. The autonomous resolution rate of text-based agents in customer operations increased to nearly 80%, up from approximately 60% in the previous year. The company also expanded the application of AI across risk management and borrower fraud detection, with its Hawkeye fraud detection system and DiTing multimodal verification engine helping to avoid approximately RMB165 million (US$23 million) in potential fraud-related losses during 2025.
The company entered into a warrant agreement with a private AI-native company focused on immersive AI entertainment and emotional wellness, marking the fourth AI company with which Yiren Digital has entered into a warrant agreement. This transaction reflects the company's disciplined approach to selectively expanding its AI application-layer portfolio and developing new growth opportunities beyond its core financial services businesses.
Overall, Yiren Digital's financial results for the second quarter of 2026 demonstrate a continued focus on improving portfolio quality and risk-adjusted returns, while also expanding its insurance brokerage and AI-driven operations.