来源：公司年报、国金证券研究所 业绩简评 2024 年 10 月 29 日，公司发布三季报，前三季度实现营收 23.5 亿元，同比下降 23.1%；实现归母净利润 2.6 亿元，同比提升 64.4%。单 Q3 公司实现营收 8.6 亿元，同比下降 23.0%；归母净 利润为 1.0 亿元，同比增长 2015.4%。 经营分析 分业务来看，Q3 公司软件开发及服务实现营收 6.9 亿元，同比增 长 6.8%，在信贷、监管、数字银行等领域中标多个项目，同时上 线"星链"数据要素平台等产品，已在多个客户中开始落地试用。 系统集成及销售服务、创新运营业务分别实现营收 1.4 亿元、0.3 亿元，分别同比下降 67.5%、25.7%。公司主动进行项目筛选， 业务结构持续优化，使得毛利率同比提升 5.0pct 至 30.8%。公司 合同负债达 5.1 亿元，较上年同期提升 24.9%，在手订单充足。 公司深耕不良资产管理领域，与厦门资管及其他合作方设立合资 公司，公司持股 40%。目前合资公司已经办理完成工商设立登记 手续，并取得由横琴粤澳深度合作区商事服务局颁发的《营业执 照》，可依法自主开展经营活动。通过参与个贷不良 ...

Financial Performance - Total revenue for Q3 2024 was ¥860,948,008.28, a decrease of 22.98% compared to the same period last year[4] - Net profit attributable to shareholders was ¥99,180,719.04, an increase of 2,015.43% year-on-year[4] - Net profit excluding non-recurring items reached ¥75,152,805.31, up 3,167.16% from the previous year[4] - Basic earnings per share for Q3 2024 was ¥0.14, reflecting a significant increase of 1,500.00% compared to the same period last year[4] - Total operating revenue for Q3 2024 was ¥2,350,798,648.97, a decrease of 23% compared to ¥3,054,898,665.07 in the same period last year[20] - Net profit for Q3 2024 was ¥262,424,065.10, up 62.6% from ¥161,378,462.30 in Q3 2023[22] - Earnings per share for Q3 2024 increased to ¥0.38, compared to ¥0.23 in the previous year, representing a growth of 65.2%[22] Cash Flow and Investments - The company reported a net cash flow from operating activities of -¥163,046,799.31, a decline of 84.99% year-on-year[4] - The net cash flow from operating activities for the first nine months of 2024 was -163,046,799.31 RMB, an improvement of 84.99% compared to -1,086,170,842.91 RMB in the same period of 2023[11] - The net cash flow from investing activities decreased to -35,716,056.63 RMB, a reduction of 76.70% from -153,298,682.36 RMB year-over-year[11] - The net cash flow from financing activities significantly increased to -263,500,938.80 RMB, reflecting an increase of 11,856.85% compared to -2,203,764.62 RMB in the previous year[11] - The cash inflow from operating activities totaled CNY 2,674,605,719.40, an increase from CNY 2,586,921,980.17 in the previous period, representing a growth of approximately 3.4%[24] - The net cash flow from operating activities was CNY 2,837,652,518.71, a decrease from CNY 3,673,092,823.08 in the previous period, reflecting a decline of about 22.7%[24] - The cash outflow for purchasing goods and services was CNY 480,485,010.87, significantly lower than CNY 1,062,698,879.84 in the previous period, indicating a reduction of approximately 54.8%[24] - The net cash flow from investing activities was CNY -35,716,056.63, an improvement from CNY -153,298,682.36 in the previous period[25] - The cash inflow from financing activities was CNY 133,319,735.02, down from CNY 582,966,200.00 in the previous period, a decrease of about 77.2%[25] - The company reported a cash outflow from financing activities of CNY 396,820,673.82, compared to CNY 585,169,964.62 in the previous period, indicating a decrease of approximately 32.1%[25] Assets and Liabilities - Total assets at the end of Q3 2024 were ¥5,419,024,350.46, a decrease of 2.65% from the end of the previous year[4] - As of September 30, 2024, the company's total assets amounted to approximately ¥5.42 billion, a decrease from ¥5.57 billion at the beginning of the period[19] - The company's cash and cash equivalents decreased to approximately ¥1.58 billion from ¥2.04 billion at the beginning of the period, representing a decline of about 22.4%[18] - Accounts receivable stood at approximately ¥1.12 billion, down from ¥1.17 billion, indicating a decrease of about 4.5%[18] - Inventory increased significantly to approximately ¥1.33 billion, up from ¥1.12 billion, reflecting an increase of about 19.4%[18] - The company’s total liabilities included short-term borrowings of ¥5 million and accounts payable of approximately ¥268.89 million as of September 30, 2024[19] - The total liabilities decreased to ¥1,273,536,970.24 from ¥1,429,234,586.43, a reduction of 10.9%[20] - The total equity attributable to shareholders increased to ¥4,118,207,295.54 from ¥4,110,024,478.10, a slight increase of 0.2%[20] Non-Recurring Items and Other Income - Non-recurring gains and losses totaled ¥24,027,913.73 for the current period, down from ¥42,675,782.03 in the previous year[5] - Other income increased by 289.21% to ¥28,847,548.73, primarily driven by increased government subsidies[9] - The company reported a net investment income of ¥59,313,828.00, significantly up from ¥22,550,142.40 in the previous year[21] - The company’s income tax expense increased to 4,356,515.32 RMB, a rise of 272.01% from -2,532,718.08 RMB in the previous year[10] - Other comprehensive income after tax was -¥4,687,068.46, compared to ¥1,942,601.70 in Q3 2023[22] Strategic Initiatives - The company signed a strategic cooperation agreement with Xiamen Asset Management Co., aiming to establish a partnership in the disposal of non-performing assets, with plans to set up a joint venture[17] - The company plans to further expand its business scope through the establishment of the joint venture with Xiamen Asset Management[17] - The company plans to continue reducing cash outflows in operating and investing activities while managing financing activities more effectively[11] Shareholder Information - The number of common shareholders at the end of the reporting period was 48,539, with no preferred shareholders having restored voting rights[12] - The largest shareholder, Port Wing Development Company Limited, holds 26.17% of the shares, totaling 184,256,896 shares[13] Impairment and Fair Value Changes - The company reported a decrease in credit impairment losses to 12,962,874.20 RMB, down 37.81% from 20,845,230.54 RMB year-over-year[10] - The fair value change income decreased to -1,321,362.81 RMB, a decline of 374.60% compared to 481,195.19 RMB in the previous year[10] - The asset impairment losses were reduced to 1,350,002.26 RMB, an 85.95% decrease from 9,609,266.61 RMB year-over-year[10]

证券代码：300674 证券简称：宇信科技 公告编号：2024-096 北京宇信科技集团股份有限公司 关于特定股东股份减持计划的提示性公告 特定股东茗峰开发有限公司（Port Wing Development Company Limited）保 证向本公司提供的信息真实、准确和完整，不存在任何虚假记载、误导性陈述或 者重大遗漏。 本公司及董事会全体人员保证公告内容与信息披露义务人提供的信息一致。 特别提示： | 股东名称 | 截至本公告日持股情况（股） | 占公司总股本比例 | | --- | --- | --- | | 茗峰开发 | 34,971,592 | 4.9672% | 二、承诺与履行情况 上述股东在《首次公开发行股票并在创业板上市招股说明书》、《首次公开 发行股票上市公告书》中股份锁定承诺及持股意向承诺 1、股份锁定承诺 茗峰开发承诺：自宇信科技股票上市之日起一年内，不转让或者委托他人管 理其直接或者间接持有的宇信科技公开发行股票前已发行的股份，也不由宇信科 技回购其直接或者间接持有的宇信科技公开发行股票前已发行的股份。因宇信科 技进行权益分派等导致其直接持有宇信科技股份发生变化的，仍遵守上述规定 ...

证券代码：300674 证券简称：宇信科技 公告编号：2024-095 北京宇信科技集团股份有限公司 关于与厦门资管共同设立合资公司完成工商登记并取得营 业执照的公告 本公司及董事会全体成员保证公告内容真实、准确和完整，不存在任何 虚假记载、误导性陈述或者重大遗漏。 统一社会信用代码：91440003MAE2WFMXXD 类型：其他有限责任公司 法定代表人：胡洁 成立日期：2024 年 10 月 17 日 注册资本：人民币元 1000 万元 1 住所：珠海市横琴新区濠江路 1638 号 301 商铺 北京宇信科技集团股份有限公司（以下简称"公司"）于 2023 年 12 月 20 日与厦门资产管理有限公司（以下简称"厦门资管"）签订了《北京宇信科技集 团股份有限公司与厦门资产管理有限公司战略合作协议》，双方协商在个贷不良 资产处置业务领域建立战略合作伙伴关系，打造"金融+科技"的标杆组合。具 体内容详见公司在巨潮资讯网（http://www.cninfo.com.cn）披露的《关于与厦门 资产管理有限公司签署战略合作协议的公告》（公告编号：2023-099）。 基于上述战略合作协议，公司与厦门资管及其他合作方 ...

证券代码：300674 证券简称：宇信科技 公告编号：2024-094 北京宇信科技集团股份有限公司 2、股票交易异常波动期间，控股股东、实际控制人未发生买卖公司股票的行为； 3、公司不存在违反公平信息披露的情形；不存在应披露而未披露的信息； 4、公司未发现近期公共传媒报道了可能对本公司股票交易价格产生重大影响的 未公开重大信息； 5、公司目前经营正常，近期公司经营情况及内外部经营环境均未发生重大变化； 关于股价异动的公告 本公司及董事会全体成员保证提供的信息真实、准确和完整，不存在任何 虚假记载、误导性陈述或者重大遗漏。 一、公司股票交易异常情况 北京宇信科技集团股份有限公司（以下简称"公司"）于 2024 年 10 月 14 日、 10 月 15 日连续 2 个交易日股票收盘价涨幅偏离值累计达到 36.78%。根据深圳证券 交易所的相关规定，属于股票交易异常波动的情形。 二、公司关注并核实相关情况说明 董事会就近期公司股票交易发生异常波动问题进行了核实，现将有关情况说明 如下： 1、公司控股股东及实际控制人不存在关于公司应披露而未披露的重大事项或处 于筹划阶段的重大事项； 四、风险提示 1、公司郑重提醒广 ...

证券代码：300674 证券简称：宇信科技 公告编号：2024-093 一、股东股份本次解除质押的基本情况 二、股东股份累计被质押的情况 截至本公告披露日，上述股东及其一致行动人所持股份质押情况如下： | | | | | 占其所 | 占公司 | | 已质押股份情况 | 未质押股份情况 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 股东 名称 | 持股数量 | 持股 比例 | 累计质押股 份数量 | 持股份 | 总股本 | 已质押股 | 占已质 | 未质押股份 | 占未质押 | | | | | | 比例 | 比例 | 份限售和 | 押股份 | 限售和冻结 | 股份比例 | | | | | | | | 冻结数量 | 比例 | 数量 | | | 宇琴 鸿泰 | 184,256,896 | 26.17% | 73,137,300 | 39.69% | 10.39% | 0 | 0.00% | 0 | 0.00% | | 合计 | 184,256,896 | 26.17% | 73,137,300 | 39.69% | 10.39 ...

证券代码：300674 证券简称：宇信科技 公告编号：2024-092 北京宇信科技集团股份有限公司 关于股价异动的公告 本公司及董事会全体成员保证提供的信息真实、准确和完整，不存在任何 虚假记载、误导性陈述或者重大遗漏。 一、公司股票交易异常情况 北京宇信科技集团股份有限公司（以下简称"公司"）于 2024 年 9 月 30 日、10 月 8 日、10 月 9 日连续 3 个交易日股票收盘价格涨幅偏离值累计达到 36.29%。根据 深圳证券交易所的相关规定，属于股票交易异常波动的情形。 二、公司关注并核实相关情况说明 董事会就近期公司股票交易发生异常波动问题进行了核实，现将有关情况说明 如下： 1、公司控股股东及实际控制人不存在关于公司应披露而未披露的重大事项， 或 处于筹划阶段的重大事项； 2、股票交易异常波动期间，未发生公司控股股东、实际控制人买卖公司股票的 行为； 3、公司不存在违反公平信息披露的情形；不存在应披露而未披露的信息； 4、公司未发现近期公共传媒报道了可能对本公司股票交易价格产生重大影响的 未公开重大信息； 5、公司目前经营正常，近期公司经营情况及内外部经营环境未发生重大变化； 6、公司前 ...

证券代码：300674 证券简称：宇信科技 公告编号：2024-091 北京宇信科技集团股份有限公司 关于与厦门资管拟设立合资公司暨战略合作进展的公告 本公司及董事会全体成员保证提供的信息真实、准确和完整，不存在任何 虚假记载、误导性陈述或者重大遗漏。 北京宇信科技集团股份有限公司（以下简称"公司"或"宇信科技"）于 2023 年 12 月 20 日与厦门资产管理有限公司（以下简称"厦门资管"）签订了《北京宇信 科技集团股份有限公司与厦门资产管理有限公司战略合作协议》，双方协商在个贷不 良资产处置业务领域建立战略合作伙伴关系，打造"金融+科技"的标杆组合。具体 内容详见公司在巨潮资讯网（http://www.cninfo.com.cn）披露的《关于与厦门资产管 理有限公司签署战略合作协议的公告》（公告编号：2023-099）。 近日，基于上述战略合作协议，公司控股子公司杭州宇信数字科技有限公司（以 下简称"杭州数科"）与厦门资管及其他合作方拟共同投资设立合资公司，夯实公司 新业务落地主体，进一步打开公司的发展空间。具体情况公告如下： 一、投资情况概述 2021 年 1 月，中国银保监会办公厅下发《关于开展不良 ...

北京宇信科技集团股份有限公司 证券代码：300674 证券简称：宇信科技 公告编号：2024-090 三、其他说明 本次控股股东部分股份解除质押事项对公司的生产经营、公司治理等不会产生 影响。宇琴鸿泰质押的股份目前不存在平仓风险或被强制过户风险。公司将持续关注 其股份质押情况及质押风险情况，并按规定及时做好相关信息披露工作，敬请投资者 注意投资风险。 关于控股股东部分股份解除质押的公告 本公司及董事会全体成员保证提供的信息真实、准确和完整，不存在任何 虚假记载、误导性陈述或者重大遗漏。 北京宇信科技集团股份有限公司（以下简称"公司"）于近日收到控股股东珠海 宇琴鸿泰创业投资集团有限公司（以下简称"宇琴鸿泰"）的通知，获悉其将持有的 公司部分股份办理了解除质押，具体情况如下： | 股东 | 是否为第 一大股东 | 解除质押 | 本次解除 质押股份 | 是否 为限 | 是否为 补充质 | 质押开始 | 质押解除日 | 质权人 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 名称 | 及一致行 | 股数 | 占其所持 | 售股 | 押 | 日期 ...

Investment Rating - The investment rating for the company is "Outperform the Market" [1][8]. Core Insights - The company is a leading player in the banking IT sector, with significant improvements in operational quality in H1 2024. Despite a decline in revenue, profitability has increased due to effective management and cost control measures [5][6]. - The company focuses on key areas such as AI large models, financial innovation, and overseas business expansion, aiming to enhance its competitive edge and market presence [6][8]. - Revenue for H1 2024 was CNY 1.49 billion, a year-on-year decrease of 23.09%, while net profit attributable to shareholders was CNY 163 million, a slight decrease of 1.03% [5][8]. Financial Performance Summary - In H1 2024, the software development and services segment generated CNY 1.214 billion in revenue, down 18.09% year-on-year, but with a gross margin increase of 4.57 percentage points to 35.38% [5][9]. - The system integration and sales segment saw revenue drop to CNY 221 million, a decrease of 42.07%, with a gross margin of 10.62%, up 1.06 percentage points [5][9]. - The innovative operations segment reported revenue of CNY 52 million, down 26.52%, but with a high gross margin of 92.33%, an increase of 3.24 percentage points [5][9]. Revenue and Profit Forecast - The company expects total revenue to decline to CNY 3.798 billion in 2024, followed by a recovery to CNY 4.177 billion in 2025 and CNY 4.674 billion in 2026, reflecting a year-on-year change of -27.0%, +10.0%, and +11.9% respectively [8][12]. - Net profit is projected to remain stable at CNY 326 million in 2024, with slight increases to CNY 343 million in 2025 and CNY 375 million in 2026, indicating a growth of 0.2%, 5.1%, and 9.5% respectively [8][12]. Business Segment Breakdown - Software development and services are expected to see revenue growth of -23.0% in 2024, followed by modest increases in subsequent years [8][9]. - System integration and sales are forecasted to decline by 35.0% in 2024, with a rebound expected in 2025 and 2026 [8][9]. - Innovative operations are anticipated to face a revenue drop of 25.0% in 2024, with recovery projected in the following years [8][9].