Yiren Digital (YRD.US) releases 2025 Q4 and full-year financial report: AI strategy fully advancing, innovation momentum continues to rise

报告显示，公司全年业务在AI技术深度赋能与合规稳健经营双轮驱动下，资产质量稳步优化，以智语大模型与魔方AI智能体平台为核心的技术体系全面落地，成功构建起竞争优势，彰显出AI企业的强劲增长韧性。The report shows that throughout the year, the company's business was driven by the deep empowerment of AI technology and compliant, steady operations, resulting in a steady optimization of asset quality. With the technical system centered on the Zhiyu large model and the Mofang AI intelligent platform fully implemented, the company successfully built a competitive advantage, demonstrating the strong growth resilience of an AI enterprise.