Yuanbao Inc. reported its third‑quarter 2025 earnings on December 3, 2025, delivering a revenue of RMB1.16 billion (US$162.6 million) and an earnings per share of $1.27, surpassing analyst expectations.
Revenue grew 33.6% year‑over‑year to RMB1.16 billion, driven by a 41.8% increase in new policy sales and strong performance in both the insurance‑distribution and system‑service segments. The insurance‑distribution arm contributed 60% of total revenue, while the system‑service segment accounted for 40%, reflecting a balanced mix of high‑margin product offerings.
Net income rose 51.3% year‑over‑year to RMB370.4 million, lifting the net‑income margin to 32.0% from 28.2% in the same quarter last year. The margin expansion was largely attributable to higher operating leverage and disciplined cost management, as the company continued to scale its AI‑driven platform without proportionate increases in operating expenses.
Management reiterated its confidence in 2025 growth, targeting at least 30% revenue growth for the full year and maintaining a focus on AI integration across product lines. CFO Rui Wang highlighted the company’s “healthy revenue expansion, optimized operational efficiency, and a strong cash position” as key drivers of the quarter’s performance, while IR director Stella Li noted that the quarter marked the 13th consecutive period of profitability.
The earnings release also underscored Yuanbao’s strategic emphasis on large‑language‑model technology, which the company has integrated into research and development and customer‑service workflows. This investment is expected to sustain the company’s competitive advantage and support continued revenue momentum in the coming quarters.
Investors responded positively to the results, citing the earnings beat, robust revenue growth, and the company’s sustained focus on AI‑driven innovation as evidence of strong execution and a promising outlook.
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