From Alphastreet - Earnings Decoded. Market Intelligence Delivered · Newsdesk · · 1m 20s
Yiren Digital Credit Quality Improves
Yiren Digital's revenue reset continues as credit quality improves.
In brief
Yiren Digital's revenue reset continues as credit quality improves. Yiren Digital reported second-quarter 2026 revenue of RMB 890.0 million, down from RMB 915.1 million in Q1 2026, with improved credit quality and a smaller loan book. Originally reported by Alphastreet - Earnings Decoded. Market Intelligence Delivered.
Yiren Digital Reports Q2 2026 Results
Yiren Digital Ltd. reported second-quarter 2026 unaudited results on September 30, 2026.
Revenue Down Sequentially and Year Over Year
Total net revenue was RMB 890.0 million, down from RMB 915.1 million in Q1 2026 and well below RMB 1.65 billion in Q2 2025.
Credit Quality Improves
31-60 day delinquency rate declined to 2.0% from 2.7% as of March 31, 2026, and 61-90 day delinquency rate fell to 2.4% from 3.2%.
Loan Facilitation Volume Improves
Repeat borrowers accounted for 82% of facilitated loans, up from 78% in Q1 2026 and 77% in Q2 2025.
Cash Position Declines
Cash and cash equivalents fell to RMB 1.7 billion as of June 30, 2026, from RMB 2.45 billion at the end of Q1 2026.
AI and Insurance Key to Transformation
Yiren Digital is focusing on AI tools for fraud detection and customer service, and insurance brokerage revenue of RMB 67.3 million in Q2 2026.
Investors Watch Next Steps
The company needs to show sustained revenue growth, improved delinquency rates, and clear AI revenue impact to prove the transformation story.
The short version
Yiren Digital reported second-quarter 2026 revenue of RMB 890.0 million, down from RMB 915.1 million in Q1 2026, with improved credit quality and a smaller loan book.
