Yiren Digital Ltd. YRD

What this company does

The company operates an AI-powered fintech platform that provides digital consumer lending, insurance and financial technology services across China and global markets. As of December 31, 2025, it had served approximately 14.3 million borrowers through its subsidiaries and the VIEs. It is organized into a credit solution services business, an insurance brokerage business and other businesses, conducted mainly in China. As part of its global expansion, it began offering unsecured small revolving loans in the Philippines in early 2023 and set up subsidiaries in other selected countries. Its insurance brokerage business is operated by Hexiang Insurance Brokers, a VIE subsidiary that sells insurance policies on behalf of insurance companies and earns brokerage commissions set as a percentage of premiums paid by the insured, including premiums paid upon renewal. As of December 31, 2025, Hexiang Insurance Brokers had established 31 offline branches nationwide, offered over 1,000 insurance products from over 100 insurers, and had cumulatively served 1,878,951 individual clients and 156,599 institutional clients.

Written from the business description in Yiren Digital Ltd.'s annual report to the U.S. Securities and Exchange Commission, filed 29 April 2026. Every sentence was checked against that document before publication.