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上市金融科技公司2025Q2：任务基本完成，三季度数据将更直接反映业务情况
Sou Hu Cai Jing·2025-09-02 08:16

Core Viewpoint - The performance of listed fintech companies in the second quarter of 2025 showed overall growth, with many companies exceeding 10% revenue growth, driven by supportive policies and market opportunities for leading firms [1][2]. Group 1: Company Performance - Companies such as Weixin Jinkang and Xiaoying Technology reported significant revenue growth, with Weixin Jinkang achieving a 43.8% year-on-year increase and Xiaoying Technology at 69.77% [1]. - In terms of revenue, Qifu Technology, Xinyi Technology, and Lexin all surpassed 3 billion yuan, with Qifu Technology reaching over 5 billion yuan, a 25.38% increase year-on-year [2][3]. - Net profit growth was notable for Weixin Jinkang, Lexin, and Jiayin Technology, all exceeding 50% year-on-year [1]. Group 2: Loan Performance - Xiaoying Technology predicted a loan total of 37.5 billion to 39.5 billion yuan for Q2 2025, achieving 38.994 billion yuan, while Jiayin Technology forecasted 37 billion to 39 billion yuan, reaching 37.1 billion yuan [3]. - Loan balances as of June 30, 2025, were reported as follows: Qifu Technology at 140.08 billion yuan, Lexin at 105.78 billion yuan, and Xinyi Technology at 77.5 billion yuan [5]. Group 3: Dividend and Share Buyback Plans - Several listed fintech companies initiated share buyback plans in 2025, with Lexin planning to increase its cash dividend payout ratio to 30% of net profit starting in the second half of 2025 [6][7]. - Jiayin Technology announced a cash dividend of $0.20 per share, totaling approximately $41.1 million, representing 28% of its net profit for the fiscal year 2024 [6]. Group 4: Outlook for Q3 2025 - Companies are adopting a cautious outlook for Q3 2025, with Jiayin Technology expecting loan volumes to decrease by 5 billion yuan compared to Q2, and Xiaoying Technology forecasting similar loan totals [8]. - The CFO of Xinyi Technology indicated a need to remain vigilant regarding risks in the upcoming quarters, despite having established a risk buffer mechanism [8].