On March 5, YIXIN Group (02858.HK) announced its 2025 annual results. The company's FinTech (SaaS services) business, a core strategic focus, continued its rapid growth trajectory during the period. It achieved breakthroughs in business scale, revenue levels, and ecosystem development, becoming a significant driver of the company's performance. Data shows that revenue from YIXIN's FinTech business surged to RMB 4.5 billion, a substantial increase of 150% year-on-year. This segment now contributes 39% of the company's total revenue. The total financing amount facilitated through the FinTech platform reached RMB 40.3 billion, marking a 91.1% increase compared to the previous year. These results have further solidified YIXIN's market position as a comprehensive one-stop solution provider in China's automotive finance sector.
In terms of business models, YIXIN drives its FinTech business development through a dual-engine approach: "Pure Technology" and "Traffic + Technology." The "Pure Technology" model provides independent technology solutions and facilitated financing of RMB 3.2 billion for the full year, a 74% year-on-year increase. The "Traffic + Technology" model integrates channel, data, and operational advantages to deliver end-to-end services from customer acquisition to asset management. This model facilitated RMB 37.0 billion in financing, growing 93% year-on-year. These two complementary models work synergistically to broaden the service scope and enhance commercial efficiency. Furthermore, they leverage economies of scale to strengthen the competitive advantage of the FinTech business in terms of scalability and replicability.
Regarding its partnership ecosystem, YIXIN's FinTech business has seen continuous improvement in market penetration and service coverage. By the end of 2025, its FinTech platform had established cooperative relationships with over 70 banks, financial leasing companies, and OEMs (Original Equipment Manufacturers), with ongoing efforts to implement new projects. As business experience accumulates, the number of core clients has also expanded significantly. Their contribution to FinTech business revenue remains consistently high, fully demonstrating the market's strong recognition of the platform's reliability and comprehensive service capabilities.
As the industry continues its transition from "scale-driven" growth to a greater emphasis on efficiency and compliance, the value of FinTech solutions in enhancing transaction efficiency, optimizing risk management, and supporting partners' daily operations is becoming increasingly prominent. YIXIN stated that as an AI-driven FinTech platform, the company will continue to prioritize FinTech as a strategic pillar. It will focus on optimizing system performance and user experience while expanding its institutional cooperation network. This strategy aims to consolidate its leading position and propel the industry towards a new phase of intelligent development.
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