Payment Transaction Volume - Total payment transaction volume reached 3.19 trillion yuan, maintaining industry leadership[1] - QR code payment transaction volume grew to 1 trillion yuan, a year-on-year increase of 18.86%[1] - Bank card payment transaction volume decreased to 2.18 trillion yuan, a year-on-year decrease of 14.80%[1] Revenue and Profit - Main business revenue for the first three quarters was 4.39 billion yuan, a year-on-year decrease of 0.78%[2] - Digital payment business revenue increased to 3.91 billion yuan, a year-on-year growth of 1.89%[2] - Net profit attributable to shareholders was 512.84 million yuan, a year-on-year decrease of 17.49%[3] - Net profit attributable to parent company owners decreased from 1,189,127,302.94 to 981,952,192.86, a decline of 17.4%[12] - Net profit attributable to parent company shareholders was RMB 512.84 million, compared to RMB 621.53 million in the previous period[14] - Total comprehensive income attributable to parent company shareholders was RMB 512.86 million, compared to RMB 621.82 million in the previous period[15] Cash Flow - Net cash flow from operating activities surged to 790.62 million yuan, a year-on-year increase of 325.14%[6] - Cash flow from operating activities was RMB 790.62 million, a significant increase from RMB 185.97 million in the previous period[16] - Cash flow from investing activities was negative RMB 199.48 million, compared to positive RMB 129.08 million in the previous period[17] - Cash flow from financing activities was negative RMB 846.98 million, compared to negative RMB 413.50 million in the previous period[17] Assets and Liabilities - Total assets decreased to 10.87 billion yuan, a year-on-year decrease of 11.33%[3] - Equity attributable to shareholders decreased to 3.54 billion yuan, a year-on-year decrease of 5.53%[3] - Total assets decreased from 12,263,887,592.16 to 10,874,494,388.83, a decline of 11.3%[11][12] - Total liabilities decreased from 8,514,507,652.21 to 7,332,393,418.16, a decline of 13.9%[11][12] - Short-term borrowings increased from 281,889,191.62 to 362,158,501.91, a growth of 28.5%[11] - Accounts payable and advances decreased from 951,379,777.48 to 670,978,089.04, a decline of 29.5%[11] - Other current liabilities decreased from 6,461,787,826.31 to 5,653,171,720.59, a decline of 12.5%[11] Investment and Expenses - Investment income decreased to 14.84 million yuan, a year-on-year decrease of 93.40%[7] - Investment income decreased significantly from 224,803,367.02 to 14,839,275.14, a decline of 93.4%[13] - R&D expenses increased from 176,128,480.54 to 192,573,068.77, a growth of 9.3%[13] - Credit impairment losses were RMB 33.28 million, compared to RMB 12.36 million in the previous period[14] Current Assets and Liabilities - Cash and cash equivalents decreased to 6.31 billion yuan from 7.41 billion yuan at the beginning of the period[10] - Accounts receivable decreased to 591.38 million yuan from 858.37 million yuan at the beginning of the period[10] - Prepayments increased to 15.68 million yuan from 8.77 million yuan at the beginning of the period[10] - Other receivables increased to 25.45 million yuan from 23.76 million yuan at the beginning of the period[10] - Inventory increased to 5.98 million yuan from 5.69 million yuan at the beginning of the period[10] - Other current assets decreased to 157.54 million yuan from 215.05 million yuan at the beginning of the period[10] - Total current assets decreased to 7.11 billion yuan from 8.52 billion yuan at the beginning of the period[10] - Long-term equity investments increased to 1.52 billion yuan from 1.48 billion yuan at the beginning of the period[10] - Other non-current financial assets increased to 424.05 million yuan from 388.17 million yuan at the beginning of the period[10] - Fixed assets increased to 1.65 billion yuan from 1.48 billion yuan at the beginning of the period[10] Operating Performance - Operating income decreased slightly from 4,427,788,854.00 to 4,391,904,307.33, a decline of 0.8%[13] - Operating costs decreased from 3,878,024,712.46 to 3,751,766,481.66, a decline of 3.3%[13] - Sales revenue from goods and services was RMB 4.69 billion, slightly lower than RMB 4.73 billion in the previous period[16] - Payments for goods and services were RMB 3.44 billion, an increase from RMB 3.07 billion in the previous period[16] Earnings and Cash Equivalents - Basic earnings per share were RMB 0.66, compared to RMB 0.80 in the previous period[15] - Total cash and cash equivalents at the end of the period were RMB 512.63 million, compared to RMB 524.71 million in the previous period[17]

证券代码：300773 证券简称：拉卡拉 公告编号：2024-039 拉卡拉支付股份有限公司 拉卡拉支付股份有限公司（以下简称"公司"）的全资子公司——北京拉卡 拉云闪科技有限公司（以下简称"拉卡拉云闪"）全体股东同意继续以拉卡拉云 闪合法拥有的房产抵押给中国光大银行股份有限公司北京西客站支行，用于担保 公司对中国光大银行股份有限公司北京西客站支行不超过 4 亿元综合授信的清 偿。 根据《深圳证券交易所创业板股票上市规则》《公司章程》《公司融资与对 外担保管理办法》等相关规定，上述担保事项无需提交公司董事会、股东大会审 议。 二、被担保人基本情况 拉卡拉支付股份有限公司相关信息请参见公司于巨潮资讯网披露的《2023 年年度报告》《2024 年半年度报告》中相关内容，公司非失信被执行人。 三、担保/抵押协议的主要内容 1. 抵押人：北京拉卡拉云闪科技有限公司 2. 被担保方（债务人）：拉卡拉支付股份有限公司 3. 抵押权人：中国光大银行股份有限公司北京西客站支行 关于公司全资子公司对公司银行授信继续提供担保的公告 本公司及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚假记载、 误导性陈述或重大遗漏。 ...

证券代码：300773 证券简称：拉卡拉 公告编号：2024-037 拉卡拉支付股份有限公司 关于"质量回报双提升"行动方案的公告 本公司及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚假记载、 误导性陈述或重大遗漏。 拉卡拉支付股份有限公司（以下简称"拉卡拉"或"公司"）认真践行中 央政治局会议提出的"要活跃资本市场、提振投资者信心"及国务院常务会议 提出的"要大力提升上市公司质量和投资价值，要采取更加有力有效措施，着 力稳市场、稳信心"的指导思想，结合公司发展战略、经营情况及财务情况， 为维护公司全体股东利益，增强投资者信心，促进公司长远健康可持续发展， 公司制定了"质量回报双提升"行动方案，具体举措如下： 一、聚焦主业，让支付更便捷、更懂用户、更有价值 拉卡拉成立于 2005 年，2011年首批获得中国人民银行颁发的支付牌照。 公司深入践行"支付为民"，坚持"商户数字化经营服务商"的定位，实施" 推广数字支付、共享数字科技、兑现数据价值"的经营战略，以安全、便捷的 数字化软硬件产品满足不同客群的支付需求，以多元的支付+SaaS解决方案和 智能的科技产品满足商户及生态合作伙伴的数字化经营需求，让 ...

证券代码：300773 证券简称：拉卡拉 公告编号：2024-037 拉卡拉支付股份有限公司 关于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信息披露内容的真实、准确和完整，没有虚假记载、 误导性陈述或重大遗漏。 一、股东股份解除质押基本情况 拉卡拉支付股份有限公司（以下简称"公司"）近日接到股东孙浩然先生通 知，获悉孙浩然先生所持有本公司的部分股份已解除质押，具体事项如下： | 股 | 是否为控股股 | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | 东 | 东或第一大股 | 本次解除质押股 | 占其所持 | 占公司总 | 起始日期 | 解除日期 | 质权人 | | 名 | 东及其一致行 | 份数量（股） | 股份比例 | 股本比例 | | | | | 称 | 动人 | | | | | | | | 孙 | | 2,100,000 | 9.39% | 0.26% | 2023/8/9 | 2024/9/20 | 招商证 券股份 | | 浩 | 否 | 90,000 | 0.40% | 0.01% | 2024/1/31 ...

证券代码：300773 证券简称：拉卡拉 公告编号：2024-036 拉卡拉支付股份有限公司 关于部分股东减持计划完成暨实施情况的公告 公司于近日收到周钢先生出具的《关于公司股份减持情况的告知函》，截至 本公告日，周钢先生本次减持计划已实施完毕，周钢先生于 2024年9月13日，通 过集中竞价交易方式，累计减持其直接持有的公司股份 296,663 股，占公司总 股本的 0.04%，现将减持实施情况公告如下： 一、股东减持情况 | 股东 | 减持方 | | 减持期间 | | 减持价格区间 | 减持均价 减持股数 | | 减持比例 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 名称 | 式 | | | | （元/股） | （元/股） （股） | | （%） | | 周钢 | 集中竞 价交易 | | 2024 年 月 13 日 | 9 | 11.75-11.77 | 11.76 296,663 | | 0.04 | | | 合 | 计 | | | | | 296,663 | 0.04 | 1. 股东减持股份情况 上述减持股份来源为首次公开发行 ...

证券代码：300773 证券简称：拉卡拉 公告编号：2024-035 拉卡拉支付股份有限公司 关于 2024 年中期权益分派实施公告 本公司及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚 假记载、误导性陈述或重大遗漏。 一、股东大会审议通过权益分派方案等情况 1、拉卡拉支付股份有限公司（以下简称"公司"或"本公司"）2024 年中期权益分派 方案已获 2024 年 8 月 26 日召开的 2024 年第一次临时股东大会审议通过，股东大会决议公 告于 2024 年 8 月 26 日刊登在中国证监会创业板指定信息披露网站。 2、本次实施的权益分派方案与股东大会审议通过的权益分派方案一致。 3、董事会审议上述利润分配方案后至权益分派实施公告确定的股权登记日前，公司股 本发生变动的，将按照分配比例不变的原则进行分派。本次权益分派实施距离股东大会通过 2024 年中期权益分派方案时间未超过两个月，自分派方案披露至实施期间公司股本总额未 发生变化。 4、本次权益分派按公司总股本（含回购专用证券账户股份）折算的每 10 股现金红利为 3.999999 元 ， 即 每 股 现 金 红 利 = 现 金 分 红 总 ...

北京市中伦律师事务所 关于拉卡拉支付股份有限公司 2024 年第一次临时股东大会的 法律意见书 致：拉卡拉支付股份有限公司 一、本次股东大会的召集与召开程序 根据《中华人民共和国公司法》《中华人民共和国证券法》等相关法律、法 规和规范性文件及《拉卡拉支付股份有限公司章程》（以下简称"公司章程"） 的规定，北京市中伦律师事务所（以下简称"本所"）接受拉卡拉支付股份有限 公司（以下简称"公司"）委托，对公司 2024 年第一次临时股东大会（以下简 称"本次股东大会"）的相关事项进行见证并出具法律意见。 为出具本法律意见书，本所律师审查了公司提供的相关文件，该等文件包括 但不限于： 1. 现行有效的公司章程； 2. 公司刊登在深圳证券交易所网站（http://www.szse.cn）的公司董事会关于 召开本次股东大会的通知； 3. 公司本次股东大会的相关会议文件。 本法律意见书仅供公司为本次股东大会之目的使用，本所律师同意将本法律 意见书随同公司本次股东大会决议及其他信息披露资料一并公告。 - 1 - 法律意见书 本所律师根据相关法律法规的要求，按照律师行业公认的业务标准、道德规 范和勤勉尽责精神，对公司本次股东大 ...

证券代码：300773 证券简称：拉卡拉 公告编号：2024-034 拉卡拉支付股份有限公司 2024 年第一次临时股东大会决议公告 1.本次股东大会不涉及出现否决议案的情形。 2.本次股东大会不涉及变更以往股东大会已通过决议的情形。 二、会议召开情况 （一）会议召开时间 （1）现场会议：2024年8月26日（星期一）下午2:45 （2）通过深圳证券交易所交易系统进行网络投票的具体时间为：2024年8 月26日上午9:15-9:25、9:30-11:30和下午1:00-3:00；通过深圳证券交易所互联网 投票系统进行投票的具体时间为：2024年8月26日上午9:15至下午3:00期间的任意 时间。 本公司及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚假记载、 误导性陈述或重大遗漏。 一、特别提示 本次股东大会通过深圳证券交易所交易系统和互联网投票系统向社会公众 股股东提供网络形式的投票平台。 （五）会议主持人 本次会议由公司董事长孙陶然先生主持召开。 （二）现场会议召开地点：北京市海淀区北清路中关村壹号D1座拉卡拉支 付股份有限公司六楼会议室 （三）会议召集人：拉卡拉支付股份有限公司董事会 （四） ...

证券代码：300773 证券简称：拉卡拉 公告编号：2024-033 拉卡拉支付股份有限公司 关于部分股东减持股份计划预披露公告 计划减持的股东保证向本公司提供的信息内容真实、准确、完整，没有虚假记载、 误导性陈述或重大遗漏。 本公司及董事会全体成员保证公告内容与信息披露义务人提供的信息一致。 二、本次减持计划的主要内容 | 减持人 | 减持 | 股份 | 减持 | 拟减持 | 减持占剔 | 拟减持 | 减持 | | --- | --- | --- | --- | --- | --- | --- | --- | | 名称 | 目的 | 来源 | 期间 | 数量 | 除回购股 | 价格 | 方式 | | | | | | | 份后总股 | | | （一）本次减持计划相关情况 | | | | | | | | 本比例 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 孙浩然 | 个人资 | 首 次 公 | 集中竞 | 不 | 超 | 过 | 0.50% | 根据减持 | 集 中 竞 | | | 金需求 | 开 发 行 | 价减持 ...

Investment Rating - The report maintains an "Accumulate" rating for the company with a target price of 13.07 RMB, indicating a potential upside from the current market price of 11.90 RMB [6]. Core Insights - The company has shown a significant increase in its non-net profit, which grew by 45.86% year-on-year in H1 2024, suggesting a positive trend in profitability [1]. - The digital payment business has experienced revenue growth of 3.67% year-on-year, driven by a 28% increase in QR code transaction volume, which now accounts for 31% of total transactions [2]. - The company is focusing on enhancing its technology services, with a notable increase in partnerships with financial institutions, which is expected to contribute to revenue growth in the future [3]. - The competitive landscape is improving, with a reduction in the number of payment service providers, which is likely to benefit the company's profitability [4]. Financial Performance - In H1 2024, the company reported total revenue of 2.984 billion RMB, a year-on-year increase of 0.40%, while the net profit attributable to shareholders was 419 million RMB, down 17.98% year-on-year [1]. - The company's earnings per share (EPS) for 2024-2026 are projected to be 1.05 RMB, 1.28 RMB, and 1.51 RMB respectively, indicating a positive growth trajectory [1]. - The average price-to-earnings (PE) ratio for comparable companies in 2024 is estimated at 12.4 times, which aligns with the company's valuation [10]. Business Segments - The digital payment segment generated 2.634 billion RMB in revenue in H1 2024, with a gross margin of 30.20%, reflecting a strong performance driven by increased transaction volumes and improved net fee rates [2]. - The technology services segment reported a revenue of 170 million RMB, although it saw a decline of 16.89% year-on-year, indicating challenges in this area [3]. - The company has successfully integrated AI and big data technologies into its services, enhancing its product offerings and operational efficiency [3]. Market Context - As of March 2024, the total consumption amount of bank cards in China reached 33.52 trillion RMB, growing by 1.45% year-on-year, while non-bank payment institutions processed 85.93 trillion RMB in network payments, up 1.50% year-on-year [4]. - The report highlights a trend of consolidation in the payment industry, with 15 payment licenses being revoked in 2023, which may lead to a more favorable competitive environment for the company [4].