Yuanbao releases Q4 2025 and full-year financial report: annual revenue reaches 4.373 billions yuan, a record high, up 33.1% year-on-year.

格隆汇2026/03/18 10:10

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Glonghui March 18｜On March 18, leading insurtech company Yuanbao (NASDAQ:YB) released its unaudited financial results for the three months and the full year ended December 31, 2025. The data shows that Yuanbao’s annual revenue reached RMB 4.373 billions, a year-on-year increase of 33.1%; net profit reached RMB 1.308 billions. As of December 31, 2025, Yuanbao’s cash reserves stood at RMB 4.04 billions. In the fourth quarter, the company’s revenue was RMB 1.175 billions, up 32.2% year-on-year, and net profit was RMB 337 millions. Yuanbao’s outstanding performance is inseparable from its deep commitment to technology and operational efficiency. As of December 31, 2025, Yuanbao’s model network had expanded to over 4,900 models and 5,700 features, an increase of more than 290 and 820 respectively compared to the same period last year, significantly enhancing its consumer full-cycle service engine capabilities. Empowered by technology, the total number of new insurance policies for the year reached 30.66 millions, a year-on-year increase of 36.7%, with about 7.9 millions new policies in the fourth quarter, up 34.5% year-on-year. On the technology strategy front, Yuanbao has consistently deepened the integration and application of AI technology in core operational processes, continuously strengthening its technological competitiveness. First, it has continued to advance the upgrade and unification of its large model platform, bringing AI capabilities into the stage of large-scale application. Through industry-specific corpus enhancement training and knowledge base integration, the models’ performance in insurance professional Q&A, multi-turn dialogue, and policy analysis scenarios has been continuously optimized; at the same time, the multi-model intelligent scheduling mechanism has been improved, effectively enhancing system stability and access efficiency, and reducing the development cost of AI applications on the business side. Second, the company has accelerated the full-process implementation of insurance intelligent agents, covering product explanation, intelligent recommendation, customer service quality inspection, agent assistance, claims material classification, and other aspects, significantly improving service and claims efficiency, with the number of intelligent agent calls and business penetration rate steadily increasing. In terms of technical talent development, Yuanbao’s AI team continues to account for more than 10% of the company’s total employees, providing strong support for technological iteration and service upgrades.

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