Core Viewpoint - 易鑫集团 reported a strong financial performance for the first half of 2025, with significant growth in revenue and net profit, driven by increased financing transactions and the expansion of its fintech business [1][2][4] Financial Performance - The total revenue for the six months ending June 30, 2025, was approximately RMB 5.5 billion, representing a year-on-year increase of about 22.0% [1] - The net profit for the same period was approximately RMB 549 million, up approximately 33.9% compared to the previous year [1] - Gross profit reached RMB 2.886 billion, an increase of RMB 757 million from RMB 2.129 billion in the same period last year, with gross margins of 53% and 48% for the reporting period and the first half of 2024, respectively [1] Financing Transactions - The company facilitated approximately 364,000 automotive financing transactions, a year-on-year increase of about 10.7% [2] - The total financing amount reached approximately RMB 32.7 billion, reflecting a growth of about 4.0% compared to the previous year [2] - The financing scale for used cars continued to expand, with financing amounting to approximately RMB 18.2 billion, accounting for about 56% of the total automotive financing [2] Fintech Business Expansion - The fintech business (SaaS) continued to grow rapidly, with financing facilitated through the fintech platform exceeding RMB 15.3 billion, a year-on-year increase of approximately 58.2% [2] - The fintech platform has established partnerships with over 60 financial institutions and is deepening collaborations with major state-owned banks [2] - The company is focusing on digital transformation across the entire automotive finance value chain [2] Value-Added Services - The value-added services are also developing, with the battery GAP product achieving rapid growth, with transaction volume reaching approximately 31,000, a year-on-year increase of 44.5% [2] Investment in AI - The company accelerated investments in cutting-edge artificial intelligence, strategically upgrading its proprietary vertical large model [3] - The upcoming XinMM-AM1 model is designed to address the complexities of automotive finance, enhancing operational efficiency and service quality [3]
易鑫集团(02858.HK)公布中期业绩 净利润增长约33.9% 毛利率持续提升