YIXIN Group (02858) announced its 2025 financial results on March 5. The company's core strategic focus, its Financial Technology (SaaS services) business, sustained a rapid growth trajectory throughout the year. It achieved simultaneous breakthroughs in business scale, revenue levels, and ecosystem development, establishing itself as a key driver of the company's performance. Data revealed that revenue from the Financial Technology business surged to RMB 4.5 billion, a significant increase of 150% year-on-year. This segment now contributes 39% to the company's total revenue. The total financing facilitated through the Financial Technology platform reached RMB 40.3 billion, representing a growth of 91.1% compared to the previous year. These results have further solidified YIXIN's market position as a comprehensive one-stop automotive financial solutions provider in China.
Regarding its business model, YIXIN drives its Financial Technology operations through a dual-engine approach: "Pure Technology" and "Traffic + Technology." The "Pure Technology" model offers 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 leverages integrated advantages in channels, data, and operations 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 in synergy, broadening the service scope and enhancing commercial efficiency. Furthermore, they leverage economies of scale to strengthen the competitive advantage of the Financial Technology business in terms of scalability and replicability.
In terms of partnership ecosystem development, the market penetration and service coverage of YIXIN's Financial Technology business continued to expand. By the end of 2025, its Financial Technology platform had established cooperative relationships with over 70 banks, financial leasing companies, and automakers, with ongoing efforts to implement new projects. As business experience accumulates, the number of core clients has also increased. Their contribution to the Financial Technology 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 being "scale-driven" to a greater focus on efficiency and compliance, the value of Financial Technology solutions in enhancing transaction efficiency, optimizing risk management, and supporting partners' daily operations is becoming increasingly prominent. YIXIN stated that, as an AI-driven financial technology platform, the company will continue to treat Financial Technology 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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