6家金融科技公司发布2024年业绩 展现较强发展韧性

Core Viewpoint - The financial technology companies listed in the US and Hong Kong have shown stable performance in 2024, with various companies achieving growth in revenue and net profit, driven by digital transformation in the financial industry [2][3]. Financial Performance - Xinyi Technology achieved a revenue of 13.07 billion yuan, a year-on-year increase of 4.1%, with a net profit of 2.39 billion yuan, remaining stable [2]. - Lexin reported a revenue of 14.204 billion yuan, up 8.78% year-on-year, and a net profit of 1.1 billion yuan, an increase of 3.24% [2]. - Xiaoying Technology's total net income reached 5.8718 billion yuan, growing by 21.95%, with a net profit of 1.5399 billion yuan, up 29.75% [2]. - Qifu Technology achieved a revenue of 17.166 billion yuan, a 5.38% increase, and a net profit of 6.2 billion yuan, growing by 46% [2]. - Jiayin Technology reported a revenue of 5.801 billion yuan and a net profit of 1.057 billion yuan, with a loan matching transaction volume exceeding 100 billion yuan, up 14.4% [2]. International Business Expansion - Financial companies are actively expanding their international business, with Fintech One connecting with 197 clients across 20 countries and regions [4]. - Xinyi Technology has provided credit technology services to 7 million users internationally, with an annual transaction volume exceeding 10 billion yuan, a 27.8% increase [4]. AI Integration and Technological Advancements - Qifu Technology is advancing its "AI+" strategy, focusing resources on AI applications in credit scenarios [4]. - Jiayin Technology is enhancing AI technology in customer service, risk control, and marketing, achieving full-chain intelligent and digital upgrades [4]. - Xinyi Technology is increasing its investment in AI research and development, integrating AI deeply into business processes [4]. - Lexin's proprietary AI model "Singularity" is being applied in efficiency improvement and business empowerment [5]. - Fintech One is enhancing product intelligence and convenience through AI applications, improving sales and marketing quality and efficiency [5]. Overall Industry Outlook - The financial technology companies listed in the US and Hong Kong are demonstrating strong resilience in their performance, with a dual development pattern of "technology-driven + globalization" [3][5].