JFL(SH:600901)2025-10-24 13:40Financial Performance - The company's operating revenue for the third quarter reached CNY 163,192.47 million, an increase of 21.51% compared to the same period last year[5] - The net profit attributable to shareholders was CNY 88,161.73 million, reflecting an 11.24% year-on-year growth[5] - The net profit after deducting non-recurring gains and losses was CNY 87,744.21 million, up by 11.02% year-on-year[5] - Net profit for the first three quarters of 2025 reached ¥2.45 billion, compared to ¥2.23 billion in the same period of 2024, reflecting a year-over-year increase of 9.9%[26] - Operating income for the first three quarters of 2025 was ¥4.64 billion, an increase of 17.2% from ¥3.96 billion in the first three quarters of 2024[26] - The company reported a net interest income of ¥4.72 billion for the first three quarters of 2025, compared to ¥3.89 billion in the same period of 2024, an increase of 21.4%[26] Assets and Liabilities - Total assets increased by 18.04% year-to-date, reaching CNY 16,201,113.36 million[6] - Total assets increased to RMB 16,201,113.36 million, up from RMB 13,725,477.82 million year-over-year, representing a growth of approximately 17.9%[16] - Total liabilities rose to RMB 13,654,876.09 million, compared to RMB 11,267,333.66 million in the previous year, marking an increase of about 21.1%[16] - Total liabilities amounted to ¥136.55 billion as of September 30, 2025, up from ¥112.67 billion at the end of 2024, indicating a growth of 21.2%[25] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 59,022[12] - The total equity attributable to shareholders increased to ¥25.01 billion as of September 30, 2025, from ¥24.13 billion at the end of 2024, a growth of 3.6%[25] Earnings Per Share - The basic earnings per share for the quarter was CNY 0.15, a decrease of 16.67% compared to the previous year[6] - Basic earnings per share (EPS) for the first three quarters of 2025 is CNY 0.42, compared to CNY 0.51 in the same period of 2024[28] - Diluted earnings per share (EPS) increased to CNY 0.42 from CNY 0.40 year-over-year[28] Cash Flow - The company reported a net cash flow from operating activities of CNY -428,139.07 million year-to-date[5] - Net cash flow from operating activities for the first three quarters of 2025 is -CNY 4.28 billion, a decline from -CNY 1.11 billion in the same period of 2024[28] - Total cash inflow from operating activities reached CNY 81.99 billion, up from CNY 66.91 billion year-over-year[28] - Cash outflow from operating activities increased to CNY 86.27 billion from CNY 68.02 billion in the previous year[28] - Cash flow from investing activities resulted in a net outflow of CNY 31.77 million, compared to a net outflow of CNY 724.26 million in 2024[29] - Cash flow from financing activities generated a net inflow of CNY 2.71 billion, compared to CNY 1.33 billion in the same period of 2024[29] - The ending cash and cash equivalents balance for the first three quarters of 2025 is CNY 3.21 billion, up from CNY 2.33 billion in 2024[29] Non-Recurring Gains and Losses - Non-recurring gains totaled CNY 417.52 million for the quarter, with government subsidies contributing CNY 133.04 million[10] Capital Adequacy and Ratios - The weighted average return on equity decreased by 0.59 percentage points to 3.59%[6] - The company's core Tier 1 capital adequacy ratio decreased to 16.02% from 17.91% year-over-year[18] - The provision coverage ratio decreased to 403.01% from 430.27% year-over-year[19] - The non-performing financing lease asset ratio improved slightly to 0.90% from 0.91% year-over-year[19] - The net interest margin for leasing business increased to 3.75% from 3.67% year-over-year[19] Leasing Assets - The total amount of receivable lease payments reached RMB 14,749,560.42 million, up from RMB 12,348,281.03 million year-over-year[16] - The company reported a total of RMB 15,242,545.05 million in leasing assets, an increase from RMB 12,780,322.52 million year-over-year[22] - The proportion of normal classified assets increased to 96.90% from 96.34% year-over-year[21] Other Information - The company has not reported any changes in major shareholders or significant financing activities during the reporting period[14] - The company issued bonds worth CNY 6 billion in 2025, down from CNY 7 billion in 2024[29] - The company did not apply new accounting standards for the year 2025[30]