Yuanbao Inc. (YB.US) Reports Q3 Earnings: Revenue Hits RMB1.158 Billion with AI-Driven Business Achievements

On December 3, leading insurtech firm Yuanbao Inc. (YB.US) released its Q3 2025 financial results. The company reported robust revenue growth, with total revenue reaching RMB1.158 billion, up 33.6% year-over-year. Net profit rose to RMB370 million, a 51.3% increase from the previous year. As of September 30, 2025, Yuanbao's cash reserves stood at RMB3.75 billion.

The strong performance was driven by continued investments in data modeling, enhancing its full-cycle consumer service engine. By Q3 2025, Yuanbao's model library expanded to over 4,900 models and 5,500 features, adding approximately 400 models and 750 features year-over-year.

Operational metrics also improved, with Q3 new policy sales reaching 8 million, up 41.8% YoY. AI integration played a pivotal role in core workflows: 1. **R&D Efficiency**: Large language models (LLMs) and toolchains automated documentation-to-code processes, with AI generating nearly 50% of Q3 code. 2. **Customer Service**: AI-powered call summaries, key insights, and processing suggestions were integrated into agent workflows, alongside identity verification and sentiment tracking. 3. **Modeling Optimization**: LLMs assisted in automated feature mining, accelerating model development.

Yuanbao's tech team remains a cornerstone, with R&D staff accounting for 70% of employees and AI specialists exceeding 10% of headcount.

Industry-wise, commercial health insurance has become a key component of China’s multi-tiered healthcare system, supported by policy tailwinds. In Q3 2025, the first integrated "medical insurance + commercial insurance" settlement center launched, streamlining claims processing. Additional measures, such as an innovative drug coverage list, further boosted sector growth.

Yuanbao deepened its focus on inclusive health insurance, launching an affordable critical illness product combining lump-sum payouts and multi-claim reimbursements. Its customer service also upgraded to a "Five-Star Service" standard, emphasizing responsiveness and expertise.

Recognized for its inclusive insurance initiatives, Yuanbao participated in a financial education fair endorsed by regulators, garnering media attention.