连续三年营收增长率达65.5% 保险AI企业暖哇科技拟赴港上市

Core Viewpoint - The domestic insurance AI technology company "Nuanwa Technology" has officially submitted its listing application to the Hong Kong Stock Exchange, aiming to capitalize on the accelerating digital transformation in the insurance industry [1] Company Overview - Nuanwa Technology has been focusing on the AI solutions market in the Chinese insurance industry since 2018, empowering the entire lifecycle of insurance transactions with AI technology [1][2] - The company has achieved rapid growth, with revenues projected to reach 340 million yuan, 650 million yuan, and 940 million yuan from 2022 to 2024, representing a compound annual growth rate (CAGR) of 65.5% [1] - By 2024, the gross profit margin is expected to be 49.8%, with an adjusted net profit of approximately 57.5 million yuan, resulting in an adjusted net profit margin of 6.1% [1] Technology and Solutions - Nuanwa Technology possesses proprietary technology that integrates data analysis capabilities, multi-agent systems, and cloud infrastructure, specifically tailored for various scenarios in the insurance industry [2] - The company has developed industry-specific multi-agent systems, "Alamos" and "Robobo," which provide AI underwriting and claims solutions, optimizing the entire process from underwriting to claims settlement [2] - The AI claims solution has achieved an automatic review rate of up to 80% and a decision accuracy rate of 98.0%, significantly enhancing efficiency and customer satisfaction [2] Market Position and Future Prospects - As of June 30, 2025, Nuanwa Technology's solutions have been adopted by over 90 insurance companies, including eight of the top ten insurance companies by premium income in China for 2024 [2] - The company has executed over 200 million underwriting reviews and claims investigations, serving more than 40 million clients in underwriting and claims [2] - With the continuous expansion of the Chinese insurance market and increasing investments in smart technology by insurance companies, Nuanwa Technology's first-mover advantage in the insurance AI technology sector is expected to translate into market share growth [3]