Yiren Digital (YRD) Q2 FY26 earnings call

Yiren Digital is undergoing a significant transformation, shifting towards an asset-light, technology-driven model, leveraging AI across its lending and insurance businesses. Despite a demanding quarter with reduced loan facilitation volumes and lower overall revenue, the company saw improvements in credit quality and growth in its insurance client base. The focus is on building an AI ecosystem through strategic investments and internal development, aiming for diversified, less capital-intensive revenue streams. This call featured prepared remarks only, with no Q&A session.