Group 1: Digital Currency Business Progress - The company has assisted a foreign bank in building a digital currency system, including account and smart contract frameworks, enhancing its infrastructure and technical capabilities [2] - Collaborations with financial institutions for asset custody and exchange services are underway, aiming to create application closed loops through technology [2] - The digital currency business aligns with the company's overseas strategy, promoting solutions in issuance, payment, and financial innovation [2] Group 2: Role of Smart Contracts - Smart contracts are essential for supporting various applications within the digital currency system, automating execution based on predefined conditions [3] - The company collaborates with banks, service providers, governments, and merchants to leverage smart contracts and digital currencies for business expansion [3] - Future focus will shift from system construction to providing operational services [3] Group 3: Overseas Market Opportunities - Emerging markets such as Southeast Asia, Central Asia, the Middle East, Africa, and Latin America present significant growth potential in financial services [4] - Since 2019, the company has been actively expanding its product offerings in these regions, achieving successful case studies and project experiences [4] - The management team has been engaging with local markets to understand customer needs and enhance product integration [4] Group 4: Recent Achievements in Overseas Projects - Successfully won a data platform project for a leading bank's London branch [5] - A core banking system project for a multinational bank's Hong Kong and international branches entered the testing phase in May [5] - Rapid growth in operational scale with a leading digital bank in Indonesia [5] - Discussions with Uzbek financial representatives and banks on cross-border payments and digital asset innovations [5] - Deep development and local adaptation efforts in the Middle East focusing on AI applications and mobile banking [5] Group 5: Risk Warning - The content discussed in the investor relations activity does not constitute a substantive commitment from the company regarding future development plans or performance expectations [6]

Group 1 - The core viewpoint of the news is that Yuxin Technology's stock has shown a significant increase of 32.57% year-to-date, despite a recent decline of 6.45% over the past five trading days [1] - As of September 5, Yuxin Technology's stock price was 25.54 CNY per share, with a market capitalization of 17.982 billion CNY [1] - The company's main business involves providing IT solutions primarily to banks, with 84.94% of its revenue coming from banking IT solutions [1] Group 2 - Yuxin Technology's revenue for the first half of 2025 was 1.415 billion CNY, a year-on-year decrease of 5.01%, while its net profit attributable to shareholders increased by 35.26% to 220 million CNY [2] - The company has distributed a total of 808 million CNY in dividends since its A-share listing, with 415 million CNY distributed in the last three years [3] - As of June 30, 2025, the top ten circulating shareholders included Hong Kong Central Clearing Limited, which reduced its holdings by 2.1813 million shares [3]

证券日报网讯宇信科技（300674）9月4日在互动平台回答投资者提问时表示，公司与国内外各类型科技 合作伙伴积极合作，持续向金融机构赋能。公司与阿里的相关主体一直保持合作关系，公司始终对各类 生态合作伙伴持开放态度，探讨和开展合作，以期实现公司能力增长和业务增长。 ...

Group 1 - The company Yuxin Technology (300674) reported that as of August 29, 2025, the total number of shareholders with credit accounts is 82,876 [1]

Core Viewpoint - The recent release of the "Opinions on Deepening the Implementation of 'Artificial Intelligence+' Action" emphasizes the need for software and information service companies to undergo intelligent transformation, fostering new service models and application service providers in the AI sector [1] Group 1: AI Agent in Financial Technology - AI Agents are emerging as a core competitive advantage in the fintech sector, addressing challenges such as diverse customer demands, rising operational costs, and intensified competition [1] - Compared to traditional large language models (LLM) and robotic process automation (RPA), AI Agents offer higher system integration and autonomy, facilitating a shift from "automation" to "autonomy" in banking operations [1][2] Group 2: Development and Integration of AI Agents - The development of AI Agents requires a deep understanding of business processes, integrating human cognitive logic into system design, rather than being viewed as isolated functional modules [2] - AI Agents are positioned as "knowledge-driven," leveraging deep insights into customer business and industry knowledge to enhance system capabilities [2] Group 3: Practical Applications and Strategies - In credit operations, AI Agents can automate the processing of unstructured documents, enabling tasks such as classification, formatting, and information extraction, thereby ensuring data accuracy and traceability [2] - The ChatBI platform developed by the company transforms natural language into analytical language, proactively pushing data to managers and facilitating a shift from "querying data" to "utilizing data" [3] - The company has outlined a strategy focusing on single-point scenario implementation, flexible business models, deep customer communication, and collaboration with ecosystem partners to optimize AI capabilities [3] Group 4: Future Outlook - The future of AI Agents in finance will emphasize more refined, multi-agent collaboration, ultimately forming a knowledge-driven capability that requires both technology companies and bank managers to adapt to uncertainties and promote the evolution from "automation" to "autonomy" [4]

Company Overview - Yuxin Technology's stock price decreased by 2.00% on September 4, closing at 24.99 CNY per share, with a trading volume of 438 million CNY and a turnover rate of 2.45%, resulting in a total market capitalization of 17.594 billion CNY [1] - The company was established on October 19, 2006, and went public on November 7, 2018. Its main business involves providing information technology services, including consulting, software products, software development and implementation, operation maintenance, and system integration, primarily to banks [1] Financial Performance - For the first half of 2025, Yuxin Technology reported operating revenue of 1.415 billion CNY, a year-on-year decrease of 5.01%, while net profit attributable to shareholders increased by 35.26% to 220 million CNY [2] - The company has distributed a total of 809 million CNY in dividends since its A-share listing, with 415 million CNY distributed over the past three years [3] Shareholder Information - As of August 20, 2025, the number of shareholders increased to 88,800, up by 6.19%, with an average of 7,914 circulating shares per person, a decrease of 5.83% [2] - The top ten circulating shareholders include Hong Kong Central Clearing Limited, which holds 6.5521 million shares (a decrease of 2.1813 million shares), and Southern CSI 1000 ETF, which is a new entrant holding 5.2084 million shares [3] Market Activity - Year-to-date, Yuxin Technology's stock price has increased by 29.71%, but it has seen a decline of 9.06% over the last five trading days and a slight decrease of 2.80% over the last 20 days [1] - The company's main business revenue composition includes 84.94% from bank IT solutions, 10.56% from non-bank IT solutions, 4.34% from innovative businesses, and 0.16% from other sources [1] Industry Classification - Yuxin Technology is classified under the Shenwan industry as Computer - IT Services II - IT Services III, and is associated with concepts such as AMC (debt resolution), cross-border payments, interconnected finance, debt-to-equity swaps, and digital currency [2]

Core Insights - Company reported 1H25 revenue of 1.415 billion yuan, a year-on-year decrease of 5.0%, while net profit attributable to shareholders increased by 35.3% to 220 million yuan due to expanded business scope and improved profitability [1] - The company is focusing on optimizing its business structure, with significant growth in non-bank and innovative businesses [1][2] Revenue Breakdown - Revenue from bank IT products and solutions was 1.202 billion yuan, down 8.9% year-on-year, primarily due to a decrease in system integration business [1] - Revenue from non-bank IT products and solutions increased by 28.2% year-on-year to 149 million yuan, leveraging the company's product capabilities in the financial sector [1] - Innovative operations revenue reached 61 million yuan, up 17.7% year-on-year, driven by growth in joint operations in the Indonesian market [1] - The company achieved overseas revenue of 16 million yuan in 1H25, a significant increase of 121.3% year-on-year [1] Profitability Enhancement - The company's gross margin improved to 34.8%, an increase of 1.05 percentage points year-on-year, with a higher proportion of high-margin software business [2] - Gross margin for bank IT products and solutions was 33.7%, up 2.77 percentage points year-on-year, while non-bank IT products and solutions saw a gross margin of 34.5%, down 4.33 percentage points [2] - The company reduced sales and management expenses by 39.2% and 5.6% year-on-year, respectively, as part of its cost-cutting and efficiency-enhancing initiatives [2] Market Expansion and Innovation - In the domestic market, the company won a project for a large financial institution's regulatory reporting and assisted a state-owned enterprise in digital transformation, improving analysis efficiency by 50% [3] - Internationally, the company became a founding member of the Digital Economy International Cooperation Alliance and secured a data platform project for a large bank's London branch [3] - The "Starlink" financial data element platform was launched for trial use, offering nearly a thousand data products and covering around 50 data suppliers, meeting over 90% of financial institutions' application needs [3] Profit Forecast and Valuation - The company is expected to benefit from improved profit margins due to business structure optimization, maintaining its profit forecast and outperforming industry ratings [4] - The target price has been raised by 14.8% to 31 yuan, based on a P/E ratio of 42.5x for 2025 and 37.3x for 2026, indicating an upside potential of 18.4% from the current stock price [4]

第2笔成交价格为22.95元，成交217.00万股，成交金额4,980.15万元，溢价率为-10.00%，买方营业部为 中国银河证券股份有限公司南京上海路证券营业部，卖方营业部为中国银河证券股份有限公司南京上海 路证券营业部。 进一步统计，近3个月内该股累计发生2笔大宗交易，合计成交金额为7979.72万元。该股近5个交易日累 计下跌6.15%，主力资金合计净流出4.01亿元。 责任编辑：小浪快报 9月3日，宇信科技收跌2.60%，收盘价为25.50元，发生2笔大宗交易，合计成交量347.7万股，成交金额 7979.72万元。 第1笔成交价格为22.95元，成交130.70万股，成交金额2,999.57万元，溢价率为-10.00%，买方营业部为 申万宏源证券有限公司北京劲松九区证券营业部，卖方营业部为中国银河证券股份有限公司南京上海路 证券营业部。 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ ...

| 成交量 （万 | 成交金额 | 成交价 格 | 相对当日收盘 | 买方营业部 | 卖方营业部 | | --- | --- | --- | --- | --- | --- | | | （万元） | | 折溢价（%） | | | | 股） | | （元） | | | | | 217.00 | 4980.15 | 22.95 | -10.00 | 中国银河证券股份有限公 | 中国银河证券股份有限公 | | | | | | 司南京上海路证券营业部 | 司南京上海路证券营业部 | | 130.70 | 2999.57 | 22.95 | -10.00 | 申万宏源证券有限公司北 | 中国银河证券股份有限公 | | | | | | 京劲松九区证券营业部 | 司南京上海路证券营业部 | 宇信科技9月3日大宗交易平台共发生2笔成交，合计成交量347.70万股，成交金额7979.72万元。成交价 格均为22.95元，相对今日收盘价折价10.00%。 证券时报·数据宝统计显示，宇信科技今日收盘价为25.50元，下跌2.60%，日换手率为3.17%，成交额为 5.78亿元，全天主力资金净流出6420.45万元，近5日该股累计下 ...

Group 1 - The core transaction involved Yuxin Technology, with a total of 3.477 million shares traded [1] - The total transaction value reached 79.7972 million yuan, accounting for 12.14% of the total trading volume on that day [1] - The transaction price was 22.95 yuan per share, representing a 10% discount compared to the market closing price of 25.5 yuan [1]