Buy YRD by Jan 5, 2026.

YRD has been growing its loan facilitation volume significantly. In Q2 2025, loan volume was RMB 20.3 billion, which was up ~34% quarter-over-quarter and ~57% year-over-year. Also, repeat borrowing is now ~77%, indicating stickier customers and likely more predictable revenue. Yiren Digital is pushing an “AI-first” strategy: using AI in marketing, risk management, verification, etc. These tools are already generating cost savings, fraud prevention (~RMB 180 million annually), and speed improvements (e.g. reducing capital manager process times from one week …