Yiren Digital Reports Third Quarter 2025 Financial Results

Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and Southeast Asia, today announced its unaudited financial results for the quarter ended September 30, 2025.

Third Quarter 2025 Operational Highlights

Financial Services Business

— Total loans facilitated in the third quarter of 2025 reached RMB20.2 billion (US$2.8 billion), representing an increase of 51% compared to RMB13.4 billion in the same period of 2024 and remaining stable compared to RMB20.3 billion in the second quarter of 2025.

— Cumulative number of borrowers served reached 14,006,873 as of September 30, 2025, representing an increase of 3% from 13,536,838 as of June 30, 2025, and increase of 21% compared to 11,611,899 as of September 30, 2024.

— Number of borrowers served in the third quarter of 2025 was 1,335,978, representing a decrease of 18% compared to 1,637,912 in the second quarter of 2025 and a decrease of 11% compared to 1,498,020 in the same period of 2024. The decrease was due to our strategic tightening of our credit policy amid industry-wide credit risk fluctuations.

— Outstanding balance of performing loans facilitated reached RMB34.2 billion (US$4.8 billion) as of September 30, 2025, representing an increase of 10% from RMB31.2 billion as of June 30, 2025 and an increase of 50% compared to RMB22.8 billion as of September 30, 2024.

Insurance Brokerage Business

— Gross written premiums in the third quarter of 2025 were RMB1,148.0 million (US$161.3 million), representing an increase of 35% from RMB850.1 million in the second quarter of 2025 and 15% decrease compared to RMB1,351.3 million in the same period of 2024. The increase was attributed to the accelerating growth of our internet insurance business as well as the strong performance of renewal premiums.

— Annualized insurance premiums of internet insurance products were RMB196.2 million (US$27.6 million), representing an increase of 204% from RMB64.5 million in the second quarter of 2025.

“We delivered a stable and resilient quarter amid industry-wide challenges,” said Mr. Ning Tang, Chairman and Chief Executive Officer. “Through adaptive risk management measures and business diversification – including the growth of our high-potential online insurance business – we have demonstrated our ability to manage risk in a challenging environment.”

“As part of our ongoing transformation, we advanced ouragentic AI capabilities to improve process efficiency and unit economics. These innovations are now helping to mitigate the margin pressure associated with the current credit cycle.”

“We maintain a healthy and ample cash position and are driving the turnaround of the insurance business with the new internet insurance strategy. Our balance sheet remained robust with total cash, cash equivalents, and restricted cash of RMB4.3 billion. This provides us with the financial flexibility to invest in our next generation of fintech.” Mr. William Hui, Chief Financial Officer commented.

Third Quarter 2025 Financial Results

Total net revenue in the third quarter of 2025 was RMB1,555.0 million (US$218.4 million), representing an increase of 5% from RMB1,479.1 million in the third quarter of 2024. Particularly, in the third quarter of 2025, revenue from financial services business was RMB1,423.2 million (US$199.9 million), representing an increase of 70% from RMB836.2 million in the same period of 2024. The increase was attributed to persistent demand for our small revolving loan products, as well as a growing repeat borrowing rate among existing borrowers. The financial service revenue accounts for 92% of the total net revenue. Revenue from insurance brokerage business was RMB84.2 million (US$11.8 million), representing a decrease of 2% from RMB85.5 million in the third quarter of 2024. The decrease was attributable to lower overall commission rates from the traditional line. Net revenue from other business was RMB47.5 million (US$6.7 million), compared with the revenue of RMB557.4 million in the third quarter of 2024. The decrease was mainly attributed to our strategic decision to wind down the historical “consumption and lifestyle” segment announced in the fourth quarter of 2024.

Sales and marketing expensesin the third quarter of 2025 were RMB331.8 million (US$46.6 million), compared to RMB335.6 million in the same period of 2024.

Origination, servicing and other operating costsin the third quarter of 2025 were RMB149.9 million (US$21.1 million), compared to RMB205.9 million in the same period of 2024. This decrease was primarily due to 27% decrease in origination and service expense from the financial services and lower commission costs from our insurance brokerage business.

Research and development expensesin the third quarter of 2025 were RMB91.5 million (US$12.9 million), compared to RMB150.8 million in the same period of 2024. The decrease in R&D expenses was due to the one-off system development project from 2024.

General and administrative expensesin the third quarter of 2025 were RMB104.4 million (US$14.7 million), compared to RMB80.1 million in the same period of 2024. The increase was primarily due to increase in personnel related costs to strengthen our risk management and fund the plan for new business initiatives.

Allowance for contract assets, receivables and others in the third quarter of 2025 was RMB229.4 million (US$32.2 million), compared to RMB94.9 million in the same period of 2024. The increase was driven by higher receivables from loan facilitation services and guarantee services, fueled by growing loan volume. Additionally, due to the increase in self-funded loan balance in the third quarter of 2025, the balance of financing receivablesincreased from RMB 17.5 million to RMB 1.1 billion.

Provision for contingent liabilitiesin the third quarter of 2025 was RMB459.8 million (US$64.6 million), compared to RMB272.4 million in the same period of 2024. The increase was attributable to increase in loan volume facilitated under risk-taking model. [1]

Fair value adjustments gain in the third quarter of 2025 was a gain of RMB161.3 million (US$22.7 million) compared to a gain of RMB36.4 million in the same period of 2024. The increase was mainly due to the fair value change in crypto assets, driven by an increase in the price of Ethereum.

Income tax expense in the third quarter of 2025 was RMB56.1 million (US$7.9 million).

Net income in the third quarter of 2025 was RMB317.6 million (US$44.6 million), as compared to RMB355.4 million in the same period in 2024. The decrease was primarily due to substantial upfront provisions – required by accounting principles for our growing loan volume under the “risk-taking model” – coupled with a declining fee rate of loan-facilitation business following the new regulations as well as a decreasing commission rate in our insurance brokerage business. The industry-wide fluctuations in asset quality and our conservative risk assumptions are also attributed to the overall declined profitability.

Adjusted EBITDA[2](non-GAAP) in the third quarter of 2025 was RMB236.8 million (US$33.3 million), compared to RMB380.9 million in the same period of 2024 and RMB351.4 million in the second quarter of 2025.

Basic and diluted income per ADSin the third quarter of 2025 were RMB3.6472 (US$0.5124) and RMB3.6270 (US$0.5094) respectively, compared to a basic income per ADS of RMB4.0618 and a diluted income per ADS of RMB4.0384 in the same period of 2024.

Net cash used in operating activities in the third quarter of 2025 was RMB5.5 million (US$0.8 million), compared to RMB50.4 million generated from operating activities in the same period of 2024.

Net cash used in investing activitiesin the third quarter of 2025 was RMB707.6 million (US$99.4 million), compared to RMB1,859.6 million in the same period of 2024.

Net cash provided by financing activitiesin the third quarter of 2025 was RMB529.7 million (US$74.4 million), compared to RMB22.2 million used in financing activities in the same period of 2024.

As of September 30, 2025, cash and cash equivalents were RMB3,864.9 million (US$542.9 million), compared to RMB4,098.9 million as of June 30, 2025. As of September 30, 2025, the balance of financial investment was RMB498.8 million (US$70.1 million), compared to RMB418.9 million as of June 30, 2025.

Delinquency rates[3]. As of September 30, 2025, the delinquency rates for loans that are past due for 1-30 days, 31-60 days and 61-90 days were 2.7%, 1.7% and 1.4%, respectively, compared to 1.7%, 1.1% and 1.0%, respectively, as of June 30, 2025.

Business Outlook

Based on the Company's preliminary assessment of business and market conditions, the Company projects the total revenue in the fourth quarter of 2025 to be between RMB1.4 billion and RMB1.6 billion, driven by loan growth from domestic market and international markets, and further market penetration into new customer segment.

This is the Company's current and preliminary view, which is subject to changes and uncertainties.

Non-GAAP Financial Measures

In evaluating the business, the Company considers and uses several non-GAAP financial measures, such as adjusted EBITDA and adjusted EBITDA margin as supplemental measures to review and assess operating performance. We believe these non-GAAP measures provide useful information about our core operating results, enhance the overall understanding of our past performance and prospects and allow for greater visibility with respect to key metrics used by our management in our financial and operational decision-making. The presentation of these non-GAAP financial measures is not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with accounting principles generally accepted in the United States of America (“U.S. GAAP”). The non-GAAP financial measures have limitations as analytical tools. Other companies, including peer companies in the industry, may calculate these non-GAAP measures differently, which may reduce their usefulness as a comparative measure. The Company compensates for these limitations by reconciling the non-GAAP financial measures to the nearest U.S. GAAP performance measure, all of which should be considered when evaluating our performance. See “Operating Highlights and Reconciliation of GAAP to Non-GAAP measures” at the end of this press release.

Currency Conversion

This announcement contains currency conversions of certain RMB amounts into US$ at specified rates solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to US$ are made at a rate of RMB7.1190 to US$1.00, the effective noon buying rate on September 30, 2025, as set forth in the H.10 statistical release of the Federal Reserve Board.

Conference Call

Yiren Digital's management will host an earnings conference call at 7:00 a.m. U.S. Eastern Time on November 25, 2025 (or 8:00 p.m. Beijing/Hong Kong Time on November 25, 2025).

Participants who wish to join the call should register online in advance of the conference at: https://dpregister.com/sreg/10204584/1005e60b0b0

Once registration is completed, participants will receive the dial-in details for the conference call.

Additionally, a live and archived webcast of the conference call will be available at: https://event.choruscall.com/mediaframe/webcast.html?webcastid=yBd8FS50

Safe Harbor Statement

This press release contains forward-looking statements. These statements constitute “forward-looking” statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as “will,” “expects,” “anticipates,” “future,” “intends,” “plans,” “believes,” “estimates,” “target,” “confident” and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond Yiren Digital's control. Forward-looking statements involve risks, uncertainties, and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to Yiren Digital's ability to attract and retain borrowers and investors on its marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, PRC regulations and policies relating to the peer-to-peer lending service industry in China, general economic conditions in China, and Yiren Digital's ability to meet the standards necessary to maintain the listing of its ADSs on the NYSE or other stock exchange, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in Yiren Digital's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and Yiren Digital does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law.

About Yiren Digital

Yiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across China and Southeast Asia. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. With the recent launch of its Magicube Agent Platform and its strategic entry into digital asset business, Yiren Digital is building a new growth engine to become an AI-powered and blockchain-enabled global fintech leader. For more information, please visit https://ir.yiren.com.

1. The risk-taking model refers to the framework in which we assume the credit risk for the loans facilitated on our platform.2. “Adjusted EBITDA” is a non-GAAP financial measure. For more information on this non-GAAP financial measure, please see the section of “Operating Highlights and Reconciliations of GAAP to Non-GAAP Measures” and the table captioned “Reconciliations of Adjusted EBITDA” set forth at the end of this press release.3. “Delinquency rates” refers to the outstanding principal balance of loans that were 1-30 days, 31-60 days and 61-90 days past due as a percentage of the total performing outstanding principal balance of loans as of a specific date. Loans originating outside mainland China are not included in the calculation. We define a performing loan as one that is being repaid according to the agreed terms and has not become delinquent for more than 90 days.Unaudited Condensed Consolidated Statements of Operations(in thousands, except for share, per share and per ADS data, and percentages) For the Three Months Ended For the Nine Months Ended September 30, June 30, September 30, September 30, September 30, September 30, September 30, 2024 2025 2025 2025 2024 2025 2025 RMB RMB RMB USD RMB RMB USDNet revenue:Loan facilitation services 600,899 874,584 611,859 85,947 1,972,726 2,228,837 313,083Post-origination services 1,421 10,463 2,617 368 4,483 14,824 2,082Guarantee services 136,746 316,942 458,363 64,386 222,533 1,093,702 153,631Financing services 31,448 65,821 67,850 9,531 61,688 175,558 24,661Insurance brokerage services 85,530 58,137 84,228 11,831 301,982 213,825 30,036Electronic commerce services 546,366 93,962 32,555 4,573 1,572,943 310,590 43,629Others 76,678 232,191 297,492 41,788 217,353 724,253 101,735Total net revenue 1,479,088 1,652,100 1,554,964 218,424 4,353,708 4,761,589 668,857Operating costs and expenses:Sales and marketing 335,647 345,166 331,758 46,602 897,971 953,876 133,990Origination,servicing and other operating costs 205,913 160,859 149,911 21,058 685,725 535,508 75,223Research and development 150,840 107,693 91,514 12,855 247,173 285,161 40,056General and administrative 80,097 78,862 104,420 14,668 232,441 279,119 39,208Allowance for contract assets, receivables and others 94,913 214,698 229,355 32,217 320,532 596,858 83,840Provision for contingent liabilities 272,406 385,674 459,783 64,585 618,589 1,256,220 176,460Total operating costs and expenses 1,139,816 1,292,952 1,366,741 191,985 3,002,431 3,906,742 548,777Other income:Investment income * 1,101 2,245 3,791 532 11,812 8,008 1,125Interest income 20,776 22,353 19,704 2,768 62,446 64,291 9,031Fair value adjustments gain 36,423 28,018 161,328 22,662 90,597 130,970 18,397Others, net 2,535 14,084 644 91 3,201 15,403 2,163Total other income 60,835 66,700 185,467 26,053 168,056 218,672 30,716Income before provision for income taxes 400,107 425,848 373,690 52,492 1,519,333 1,073,519 150,796Share of results of equity investees – (4,431) – – – (4,560) (641)Income tax expense 44,665 63,877 56,053 7,874 268,480 146,276 20,547Net income 355,442 357,540 317,637 44,618 1,250,853 922,683 129,608Weighted average number of ordinary shares 175,018,644 172,907,793 174,179,898 174,179,898 173,557,082 173,301,042 173,301,042outstanding, basicBasic income per share 2.0309 2.0678 1.8236 0.2562 7.2072 5.3242 0.7479Basic income per ADS 4.0618 4.1356 3.6472 0.5124 14.4144 10.6484 1.4958Weighted average number of ordinary shares 176,035,324 174,102,643 175,153,288 175,153,288 175,457,062 174,402,280 174,402,280outstanding, dilutedDiluted income per share 2.0192 2.0536 1.8135 0.2547 7.1291 5.2905 0.7432Diluted income per ADS 4.0384 4.1072 3.6270 0.5094 14.2582 10.5810 1.4864Unaudited Condensed Consolidated Cash Flow DataNet cash generated from/(used in) operating activities 50,393 411,224 (5,484) (770) 1,051,044 884,390 124,229Net cash used in investing activities (1,859,587) (752,200) (707,599) (99,396) (3,080,167) (1,605,389) (225,508)Net cash (used in)/provided by financing activities (22,227) 447,588 529,732 74,411 (162,885) 896,744 125,965Effect of foreign exchange rate changes (6,252) (9,412) (10,449) (1,468) (5,808) (17,494) (2,457)Net (decrease)/increase in cash, cash equivalents and (1,837,673) 97,200 (193,800) (27,223) (2,197,816) 158,251 22,229restricted cashCash, cash equivalents and restricted cash, beginning of 5,698,461 4,356,408 4,453,608 625,595 6,058,604 4,101,557 576,142periodCash, cash equivalents and restricted cash, end of period 3,860,788 4,453,608 4,259,808 598,372 3,860,788 4,259,808 598,371* Due to the expansion in the types of the Company's investments,investment income has been separately presented, split out from the original interest income, to reflect the realizedgains from theCompany's financial investments, and historical periods have beenrestated to enhance investors' comprehension of the Company's financial statements.Unaudited Condensed Consolidated Balance Sheets(in thousands) As of December 31, June 30, September 30, September 30, 2024 2025 2025 2025 RMB RMB RMB USDCash and cash equivalents 3,841,284 4,098,851 3,864,891 542,898Restricted cash 260,273 354,757 394,917 55,474Accounts receivable 566,541 553,660 796,551 111,891Guarantee receivable 474,132 656,019 715,996 100,575Contract assets, net 1,008,920 1,319,246 1,227,236 172,389Contract cost 294 4,880 6,936 974Prepaid expenses and other assets 2,361,585 2,486,393 2,672,111 375,349Loans at fair value 421,922 480,915 473,570 66,522Financing receivables 17,515 484,733 1,061,080 149,049Amounts due from related parties 3,387,952 3,131,581 3,101,835 435,712Financial investments 437,203 418,856 498,766 70,061Equity investments 9,239 4,633 4,633 651Property, equipment and software, net 78,678 85,155 84,867 11,921Crypto assets – 203,541 333,530 46,851Deferred tax assets 77,463 128,989 173,182 24,327Right-of-use assets 39,695 37,190 40,257 5,655Total assets 12,982,696 14,449,399 15,450,358 2,170,299Accounts payable 43,167 61,580 50,401 7,080Amounts due to related parties 129,629 81,688 51,826 7,280Guarantee liabilities-stand ready 606,886 889,343 929,970 130,632Guarantee liabilities-contingent 578,797 848,704 874,717 122,871Deferred revenue 9,479 515 335 47Payable to investors at fair value 368,022 872,250 1,392,631 195,622Accrued expenses and other liabilities 1,622,050 1,582,978 1,647,346 231,401Borrowings – – 9,255 1,300Deferred tax liabilities 41,471 91,666 108,404 15,228Lease liabilities 40,765 38,281 42,596 5,983Total liabilities 3,440,266 4,467,005 5,107,481 717,444Ordinary shares 132 132 133 19Additional paid-in capital 5,198,457 5,210,508 5,229,667 734,607Treasury stock (170,463) (170,686) (170,686) (23,976)Accumulated other comprehensive income 79,268 42,195 70,603 9,917Retained earnings 4,435,036 4,900,245 5,213,160 732,288Total equity 9,542,430 9,982,394 10,342,877 1,452,855Total liabilities and equity 12,982,696 14,449,399 15,450,358 2,170,299Operating Highlights and Reconciliation of GAAP to Non-GAAP Measures(in thousands, except for number of borrowers, number of insurance clients, cumulative number of insurance clients and percentages) For the Three Months Ended For the Nine Months Ended September 30, June 30, September 30, September 30, September 30, September 30, September 30, 2024 2025 2025 2025 2024 2025 2025 RMB RMB RMB USD RMB RMB USDOperating HighlightsAmount of loans facilitated 13,392,676 20,347,799 20,166,545 2,832,778 38,239,060 55,752,267 7,831,474Number of borrowers 1,498,020 1,637,912 1,335,978 1,335,978 3,365,960 3,145,904 3,145,904Remaining principal of performing loans 22,768,555 31,220,078 34,235,130 4,808,980 22,768,555 34,235,130 4,808,980Cumulative number of insurance clients 1,470,738 1,681,888 1,853,435 1,853,435 1,470,738 1,853,435 1,853,435Number of insurance clients 82,291 118,747 229,353 229,353 226,191 387,130 387,130Gross written premiums 1,351,311 850,080 1,147,966 161,254 3,324,627 2,799,844 393,292First year premium 511,377 440,353 443,189 62,255 1,602,905 1,296,039 182,054Renewal premium 839,934 409,727 704,777 98,999 1,721,722 1,503,805 211,238Segment InformationFinancial services business:Revenue 836,193 1,489,587 1,423,231 199,920 2,425,341 4,207,298 590,996Sales and marketing expenses 307,459 332,405 322,184 45,257 812,484 915,492 128,598Origination, servicing and other operating costs 119,706 105,617 87,322 12,266 318,727 333,562 46,855Allowance for contract assets, receivables and 93,248 216,260 226,267 31,784 319,140 594,639 83,528othersProvision for contingent liabilities 272,406 385,674 459,783 64,585 618,589 1,256,220 176,460Insurance brokerage business:Revenue 85,530 58,137 84,228 11,831 301,982 213,825 30,036Sales and marketing expenses 3,545 2,731 2,077 292 11,373 7,603 1,068Origination, servicing and other operating costs 78,466 52,683 61,142 8,589 337,707 195,265 27,429Allowance for contract assets, receivables and (414) 564 677 95 (904) 663 93othersOthers:Revenue 557,365 104,376 47,505 6,673 1,626,385 340,466 47,825Sales and marketing expenses 24,643 10,030 7,497 1,053 74,114 30,781 4,324Origination, servicing and other operating costs 7,741 2,559 1,447 203 29,291 6,681 939Allowance for contract assets, receivables and 1,666 45 34 5 1,664 (1,915) (269)othersReconciliation of Adjusted EBITDANet income 355,442 357,540 317,637 44,618 1,250,853 922,683 129,608Interestincomeandinvestmentincome,net (21,877) (24,598) (23,495) (3,300) (74,258) (72,299) (10,156)Income tax expense 44,665 63,877 56,053 7,874 268,480 146,276 20,547Depreciation and amortization 2,401 2,643 3,252 457 6,319 8,192 1,151Share-based compensation 13,235 6,932 14,439 2,028 16,578 23,558 3,310Fair value adjustments related to crypto assets (12,954) (54,979) (131,101) (18,416) (11,286) (115,256) (16,190)and financial investmentAdjusted EBITDA 380,912 351,415 236,785 33,261 1,456,686 913,154 128,270Adjusted EBITDA margin 25.8% 21.3% 15.2% 15.2% 33.5% 19.2% 19.2%Delinquency Rates 1-30 days 31-60 days 61-90 daysDecember 31, 2020 1.3% 0.7% 0.6%December 31, 2021 2.0% 1.5% 1.2%December 31, 2022 1.7% 1.2% 1.1%December 31, 2023 2.0% 1.4% 1.2%December 31, 2024 1.6% 1.2% 1.1%March 31, 2025 1.6% 1.2% 1.2%June 30, 2025 1.7% 1.1% 1.0%September 30, 2025 2.7% 1.7% 1.4% 30+ Days Delinquency Rates By Vintage*Loan Month on BookIssuedPeriod 2 4 6 8 10 12 14 16 18 20 22 242020Q1 0.8% 2.0% 3.4% 4.5% 5.4% 5.9% 6.5% 6.8% 7.1% 7.5% 8.1% 8.5%2020Q2 0.6% 2.0% 3.3% 4.5% 5.3% 6.0% 6.4% 6.9% 7.4% 8.0% 8.6% 8.8%2020Q3 1.3% 2.8% 4.3% 5.4% 6.3% 6.9% 7.5% 8.2% 8.9% 9.3% 9.5% 9.5%2020Q4 0.3% 1.4% 2.4% 3.4% 4.3% 5.4% 6.4% 7.3% 7.7% 8.0% 8.2% 8.3%2021Q1 0.5% 1.8% 3.0% 4.2% 5.3% 6.3% 7.1% 7.3% 7.5% 7.7% 7.8% 7.9%2021Q2 0.5% 2.1% 3.8% 5.5% 6.8% 7.5% 7.7% 7.9% 8.1% 8.3% 8.2% 8.2%2021Q3 0.6% 2.5% 4.2% 5.4% 6.1% 6.5% 6.7% 6.9% 6.9% 6.9% 6.9% 6.8%2021Q4 0.8% 2.7% 4.1% 4.9% 5.4% 5.8% 5.8% 5.8% 5.7% 5.6% 5.6% 5.5%2022Q1 0.7% 2.1% 3.2% 4.0% 4.6% 4.8% 4.7% 4.6% 4.6% 4.5% 4.5% 4.4%2022Q2 0.5% 1.8% 2.9% 3.8% 4.3% 4.5% 4.4% 4.3% 4.3% 4.2% 4.2% 4.1%2022Q3 0.6% 2.2% 3.5% 4.3% 4.8% 5.0% 5.0% 4.9% 4.9% 4.8% 4.7% 4.7%2022Q4 0.7% 2.5% 3.9% 4.9% 5.6% 5.9% 5.8% 5.8% 5.7% 5.6% 5.5% 5.4%2023Q1 0.6% 2.4% 4.0% 5.2% 5.9% 6.2% 6.1% 6.0% 5.9% 5.8% 5.7% 5.6%2023Q2 0.7% 3.0% 4.9% 6.3% 7.0% 7.3% 7.2% 7.0% 6.9% 6.8% 6.7% 6.6%2023Q3 0.9% 3.7% 5.8% 7.1% 7.9% 8.1% 8.0% 7.9% 7.7% 7.6% 7.5% 7.5%2023Q4 0.8% 3.6% 5.8% 7.0% 7.6% 7.8% 7.7% 7.5% 7.4% 7.3% 7.3%2024Q1 0.7% 3.2% 5.0% 6.1% 6.7% 7.0% 6.9% 6.8% 6.7% 6.9%2024Q2 0.6% 2.5% 4.2% 5.3% 6.0% 6.2% 6.2% 6.2%2024Q3 0.6% 2.3% 3.8% 4.9% 5.6% 5.9% 5.7%2024Q4 0.7% 2.4% 3.9% 5.1% 5.9%2025Q1 0.6% 2.4% 4.3% 5.2%2025Q2 0.8% 3.3%2025Q3 1.0%*The 30+ days delinquency rate by vintage refers to the outstanding principal balance of loans facilitatedover a specified period that aremore than 30 days past due, as a percentage of the total loans facilitatedduring that same period. Loans originating outside mainlandChina are excluded from the calculation.

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