Yuanbao (YB.US) Releases 2026 Q2 Financial Report: Multi-modal AI Enters Deepwater Business Zone, and Inclusive Security Boundaries Continue to Expand

The Zhitong Finance App learned that recently, Yuanbao (YB.US), a leading insurance technology company, announced unaudited financial results for the second quarter of 2026. As an insurance technology company listed on the US stock market, Yuanbao has always used AI technology as the core driving force to drive steady and continuous business growth. According to the data, Yuanbao's second-quarter revenue reached RMB 1,392 billion, up 30.1% year on year; net profit continued to perform steadily, and the company's operating quality continued to improve. As of June 30, 2026, the Yuanbao model matrix has more than 5,100 models, and more than 5,900 characteristics can be analyzed.

Currently, the insurance industry is entering a new stage where technological innovation meets the upgrading of security needs. The “Fifteenth Five-Year Plan for National Health” clearly deepens the integrated development of commercial health insurance and health management and encourages the supply of new health insurance products. The “Guiding Opinions on the Safe Development and Application of Artificial Intelligence in the Banking and Insurance Industry” of the State Administration of Financial Supervision proposes “promoting the development and application of high-level artificial intelligence.” At the same time, as the DRG/DIP payment reform continues to deepen, the supply of innovative pharmaceutical devices is becoming more diversified, and residents' health security needs are steadily being released, opening up broad space for the development of the industry.

Yuanbao follows the trend and makes precise efforts. On the product side, Yuanbao collaborated with Insurance to consolidate the inclusive chassis with the strategy of “inclusive price+comprehensive guarantee+quality service”, continue to refine its inclusive medical insurance, upgrade full liability 0 exemption, one-stop coverage of “good medicine, good medicine, and good recovery”; launch medical insurance with sick people and serious illness insurance to achieve no health notification and compensation for common pre-existing conditions within the scope of responsibility, effectively responding to the real insurance needs of more than 400 million people with diseases. On the service side, Yuanbao added a “claims processing” service on the basis of the original butler claim assistance service to actively follow up and assist users to complete case reports; upgrade the “Claim Mediation” service to respond and help users resolve claims disputes through multiple channels; and enrich value-added services such as inpatient caregivers and medical assistance. According to the “Yuanbao 2026 Claim Semi-Annual Report”, the maximum claim amount for a single transaction of Innovative Drugs reached 1.08 million yuan, and the fastest medical insurance settlement was only 3.3 minutes.

On the technical side, Yuan has continued to promote the in-depth application of multi-modal AI technology in insurance business scenarios. In the claim assistance service scenario, Yuanbao uses a multi-modal model to intelligently analyze various types of materials such as medical records, diagnostic certificates, medical bills, and examination reports to achieve material identification, information extraction, fact-sorting and review assistance, effectively helping insurance companies improve claims efficiency and user experience. At the same time, the company continues to improve the insurance professional knowledge base system to structure product terms, medical knowledge, claims rules and historical cases. By combining the knowledge base with multi-modal models and agent (Agent) technology, the company further enhances the accuracy, interpretability and business adaptability of AI in complex insurance scenarios, and promotes the evolution of insurance services from traditional manual models to AI assistance and human-computer collaboration models.

According to public information, Yuanbao was listed on the US NASDAQ in April 2025. With continuous innovation practices and industry-university-research linkages in the insurance industry, the influence of the Yuanbao brand has steadily increased. This quarter, Yuanbao and the China Insurance and Pension Finance Research Center of the Wudaokou School of Finance of Tsinghua University released the “2025 China Internet Insurance Consumer Insight Report”. The report has been published continuously for 5 years, providing an important reference basis and practical guidelines for industry development, and is an authoritative weather vane for the industry to investigate insurance consumption trends. In addition, Yuanbao was also selected as the top 50 of the “2026 Chinese Listed Company Brand Value List” by the China Enterprise Research Center of the School of Economics and Management of Tsinghua University and the Daily Economic News. It is the only insurance technology company selected in the list, and its brand value has been further recognized.