China's Yiren Digital Q4 revenue falls on lower loan volumes, suspends dividend
19/03/2026 11:10
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Overview
* China fintech firm's Q4 revenue fell 34% yr/yr amid lower loan volumes and fee rates
* Company posted Q4 net loss and adjusted EBITDA loss due to upfront provisions for risk-taking assets
* Dividend suspended for second half of 2025 to maintain reserves and fund technology investment
Outlook
* Yiren Digital plans to deepen its AI-driven operating model and accelerate business transformation in 2026
* Company temporarily suspends cash dividend for H2 2025 to maintain reserves for credit fluctuations and tech investments
* Company expects to navigate ongoing industry-wide credit risk fluctuations with disciplined risk management
Result Drivers
* CREDIT POLICY TIGHTENING - Co said lower loan volumes and number of borrowers were due to strategic tightening of credit policy amid elevated credit risk
* FEE RATE AND VOLUME PRESSURE - Co attributed revenue decline in credit solutions to lower service fee rates under new regulations and a scale-back in loan facilitation volume
* HIGHER RISK PROVISIONS - Co said net loss was mainly due to substantial upfront provisions for risk-taking model assets and a higher-risk asset profile
Company press release: ID:nPn3DNrz0a
Key Details
Metric Beat/Mis Actual Consensu
s s
Estimate
Q4 RMB
Revenue 957.63
mln
Q4 Net -RMB
Income 882.16
mln
Q4 -RMB
Adjusted 1.02 bln
EBITDA
For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact .
(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)