A Decade of Growth: Celebrating 10 Years Since Public Listing and Looking Ahead

Rhea-AI Summary

Yiren Digital (NYSE: YRD) marked its 10th anniversary as a public company on December 18, 2025 with a letter from CEO Ning Tang.

The CEO thanked shareholders, cited challenges over the past decade including COVID and economic downturn, and emphasized continued focus on domestic loan facilitation and internet insurance for steady cash flow. The company said its international business is growing faster than domestic operations and outlined plans to expand global services beyond lending and insurance.

Yiren disclosed plans to enter blockchain finance while limiting crypto activity to permitted jurisdictions and highlighted adoption of AI Agent technology to improve customer experience.

News Market Reaction

+0.92%

1 alert

+0.92% News Effect

On the day this news was published, YRD gained 0.92%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Listing anniversary: 10 years

1 metrics

Listing anniversary 10 years Years since NYSE listing as of 2025/12/18

Market Reality Check

Price: $3.80 Vol: Volume 45,745 is about 39...

low vol

$3.80 Last Close

Volume Volume 45,745 is about 39% below the 20-day average of 75,503. low

Technical Price 4.33 is trading below the 200-day MA at 5.99, near the 52-week low of 4.15.

Peers on Argus

Key credit-services peers (e.g., XYF, QD, PRAA) show same-day declines between a...

Key credit-services peers (e.g., XYF, QD, PRAA) show same-day declines between about -0.1% and -4.1%, while YRD was flat at 0%, suggesting stock-specific dynamics rather than a broad sector move.

Historical Context

5 past events · Latest: Dec 11 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Dec 11	Award recognition	Positive	-0.2%	Won technology innovation leadership award at China’s Financial Annual Champion Awards.
Nov 25	Earnings release	Positive	-7.6%	Reported Q3 2025 revenue growth and strong loan metrics with Q4 revenue guidance.
Nov 18	Earnings date notice	Neutral	-2.0%	Announced timing and details of upcoming Q3 2025 earnings release and call.
Nov 07	ESG ranking	Positive	+0.8%	Ranked top 10% in S&P Global ESG assessment with inclusion and sustainability metrics.
Nov 04	AI strategy update	Positive	-2.5%	CFO outlined AI transformation and next-gen fintech strategy at Hong Kong Fintech Week.

Pattern Detected

Recent positive catalysts (awards, ESG recognition, AI strategy, earnings growth) have often been met with flat or negative next-day moves, indicating a pattern of muted or contrarian reactions to good news.

Recent Company History

Over the last few months, Yiren Digital reported Q3 2025 results with modest revenue growth and strong loan facilitation metrics, alongside solid cash levels and Q4 guidance. It highlighted AI-driven strategy and platforms like Zhiyu and Magicube, and earned ESG and technology-innovation awards in November–December 2025. Despite these positives, share-price reactions were mostly flat to negative. Today’s 10-year listing anniversary letter emphasizes long-term vision, AI, blockchain finance, and international expansion within this backdrop.

Market Pulse Summary

This announcement marks Yiren Digital’s 10th anniversary as a NYSE-listed company and underscores it...

Analysis

This announcement marks Yiren Digital’s 10th anniversary as a NYSE-listed company and underscores its strategic focus on AI, blockchain finance and international expansion. The CEO highlights strong domestic loan facilitation and internet insurance businesses as cash generators while emphasizing faster growth overseas and plans to operate crypto-related services only in compliant markets. In light of prior AI and ESG milestones in late 2025, investors may watch for concrete financial targets and execution updates on these growth initiatives.

Key Terms

blockchain finance, fintech 2.0, crypto business, ai agent

4 terms

blockchain finance financial

"Earlier this year, we announced our plans to enter into blockchain finance,"

A way of handling money, transactions and financial records using a shared, tamper-resistant digital ledger spread across many computers, like a communal spreadsheet that everyone can verify but no single person controls. It matters to investors because it can lower costs, speed up settlement, increase transparency and enable new asset types, while also introducing technology, regulatory and security risks that can affect value and liquidity.

fintech 2.0 financial

"which in my view is FinTech 2.0, the future of financial services."

A next-generation wave of financial technology that builds on early digital payments and apps by embedding smarter, more connected services into everyday finance—think banking features woven into other apps, automated advice, and deeper use of data and machine learning. It matters to investors because these capabilities can create faster growth, new revenue streams and bigger cost savings for firms — but also bring different regulatory and technology risks that can change valuations quickly.

crypto business financial

"and do crypto business only in those allowed countries and markets."

A crypto business is a company that builds, sells or supports products and services tied to cryptocurrencies and blockchain technology — for example exchanges that let people trade coins, services that store digital keys, firms that create tokens, or companies that validate transactions. Investors watch these businesses because their revenue and risks depend on volatile crypto prices, changing rules, and technical reliability; think of them as banks and software firms for a new kind of money.

ai agent technical

"We have mastered the technology of AI Agent and are exploring ways to best utilize it."

An AI agent is software that uses artificial intelligence to observe data, decide on actions, and carry them out with little or no human intervention. For investors, AI agents matter because they can automate tasks like trading, customer support, or data analysis, potentially boosting efficiency, lowering costs, and changing a company’s competitive edge—much like a tireless, adaptable assistant running parts of a business continuously.

AI-generated analysis. Not financial advice.

BEIJING, Dec. 18, 2025 /PRNewswire/ -- 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 marks the 10^th anniversary of its public listing with a letter to Shareholders.

Dear Shareholders & Colleagues:

Today, 2025/12/18, is the 10^th anniversary of the Company's listing on the NYSE. I would like to take this opportunity to say Thank You! Your trust and support mean a great deal to me and the management team who have been trying so hard. Having overcome some great challenges in the past ten years and in particular the past five years including COVID and economic downturn, I feel very bullish about where we are heading as a company.

We will continue to try and do a very good job in the domestic loan facilitation market, and also keep innovating as you have recently witnessed in the Internet insurance space. These "traditional" businesses provide solid growth and nice cash flow to fuel our future expansion.

Our Going Global effort is strategically significant. The Company's international business is growing much faster than in domestic China, and we intend to go way beyond just doing loan facilitation and other traditional financial services like insurance. Earlier this year, we announced our plans to enter into blockchain finance, which in my view is FinTech 2.0, the future of financial services. Of course, we will stick to the highest compliance standard and do crypto business only in those allowed countries and markets.

AI is a huge thing for us, both domestically and outside of mainland China. We have mastered the technology of AI Agent and are exploring ways to best utilize it. It's not just a tool to save us some money; it is bringing unmatched customer experiences in ways we could not imagine three years ago.

I thought for a moment about having AI help me write this note, but I think you want something directly from me, and here it is. Thank you, again, for being with me along the eventful journey and trusting me and the management team. I certainly hope the coming 10 years will be so much better, and we are trying our best to make that happen.

Best regards,

Ning Tang
CEO of Yiren Digital

About Yiren Digital

Yiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and next-generation financial technology innovation across China and Southeast Asia. Leveraging advanced AI and emerging technologies, the Company enhances customer experience, improves operational efficiency, and expands financial inclusion. With continued breakthroughs in AI and digital finance, Yiren Digital is building the foundation to become a global leader in AI-powered and blockchain-enabled financial technology. For more information, please visit https://ir.yiren.com.

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. 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.

View original content:https://www.prnewswire.com/news-releases/a-decade-of-growth-celebrating-10-years-since-public-listing-and-looking-ahead-302645573.html

SOURCE Yiren Digital

FAQ

What did Yiren Digital announce on December 18, 2025 about its 10th anniversary (YRD)?

CEO Ning Tang published a shareholder letter marking the 10th anniversary and outlining strategic priorities including global expansion, blockchain finance, and AI adoption.

How did Yiren Digital describe its international business growth (YRD)?

The company said its international business is growing much faster than its domestic China operations and plans to expand services beyond loan facilitation and insurance.

What did Yiren Digital say about entering blockchain finance and crypto activity (YRD)?

Yiren announced plans to enter blockchain finance and stated it will conduct crypto business only in countries and markets where it is allowed, adhering to compliance standards.

How is Yiren Digital using AI according to the December 18, 2025 letter (YRD)?

The company said it has developed an AI Agent and is exploring applications to enhance customer experience and operational efficiency.

Does the 10th anniversary letter provide financial results or guidance for YRD?

No; the letter thanks shareholders and outlines strategy but does not include financial results, figures, or forward guidance.

What is the CEO's outlook for Yiren Digital over the next 10 years (YRD)?

The CEO expressed a bullish outlook, thanking shareholders and saying management aims to make the coming 10 years better through continued innovation and expansion.