Yiren Digital Ltd. reported an unaudited second-quarter 2026 net loss of RMB449.6 million (US$66.3 million), compared with a RMB494.7 million loss in the first quarter and net income of RMB357.5 million a year earlier. Total net revenue fell 3% sequentially and 46% year over year to RMB890.0 million (US$131.2 million), while loans facilitated declined 29% sequentially to RMB6.3 billion as the company adjusted to revised online-lending requirements. Repeat borrowers accounted for a record 82% of loan volume, and 31-60 day and 61-90 day delinquency rates improved to 2.0% and 2.4%, respectively. Insurance clients increased 281% year over year to approximately 453,000, while new policies rose 177% to more than 918,000, although brokerage revenue fell 23% sequentially to RMB67.3 million because of lower renewal rates and commission adjustments. Yiren Digital said AI automation reduced the human handling rate in asset recovery to 24.9% and lifted autonomous resolution by technology-based agents to nearly 80%. The company is shifting toward an asset-light, AI-driven referral model and has identified four AI-native companies for potential acquisitions; it recently exercised a warrant to acquire a controlling stake in one interactive entertainment platform, subject to definitive agreements. The board authorized a share repurchase program of up to US$20 million.