Yiren Digital Ltd. (YRD) Q3 2025 Earnings Call Transcript

Operator

Good day, and welcome to the Yiren Digital Third Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Keyao He. Please go ahead.

Keyao He
Director of Investor Relations

Thank you, Operator. Good morning, and good evening, everyone. Today’s call features a presentation by our founder, Chairman and CEO of CreditEase, our CEO, Mr. Ning Tang; and our CFO, Mr. William Hui. There will be a Q&A session after the prepared remarks.

Before beginning, we’d like to remind you that discussions during this call contain forward-looking statements made under the safe harbor provision of U.S. Private Securities Litigation Reform Act of 1995. Such statements are subject to risks, uncertainties and factors that can cause actual results to differ materially from those contained in any such statements. Further information regarding such risks, uncertainties or factors is included in our filings with the U.S. Securities and Exchange Commission. We do not undertake any obligation to update any forward-looking statements as required under the relevant law.

During the call, we will be referring to certain non-GAAP financial measures and supplemental measures to review and assess our operating performance. These non-GAAP financial measures are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with U.S. GAAP. For information about those non-GAAP financial measures and reconciliation to GAAP measures, please refer to our earnings press release.

I will now pass it to Ning for opening remarks.