乐信第三季度实现营收34.2亿元

Financial Performance - Lexin reported a net profit margin of 2%, with a quarter-on-quarter increase of 9 basis points and a year-on-year increase of 92 basis points [1] - The company achieved a revenue of 3.42 billion yuan in Q3, with a Non-GAAP EBIT of 675 million yuan [3] - The transaction volume for Q3 was 50.89 billion yuan, with a managed loan balance of 101.84 billion yuan and a user base of 240 million, reflecting a year-on-year increase of 7.7% [3] Shareholder Returns - Lexin has prioritized shareholder returns, with dividends for the first half of the year already distributed in Q3 and an increase in the dividend payout ratio from 25% to 30% for the second half of the year [1] - The previously announced share repurchase and increase plan of 60 million USD has been executed for more than half [1] Strategic Focus - The CEO emphasized that with new regulations, the industry will develop in a healthier and more orderly direction, focusing on consumer scenarios, small and micro customer groups, and enhancing fintech investments [1] - The company is committed to improving its user-centered operating system, enhancing user experience, and consumer protection to maintain a competitive advantage [1] Technological Investment - Lexin continued to increase its technological investments in Q3, particularly in AI risk control and AI customer service, maintaining a leading position in these areas [1] - The introduction of the self-developed model LexinGPT has improved user demand recognition accuracy by over 20% [1] Asset Quality - The company reported a 90+ days delinquency rate that decreased by 15 basis points quarter-on-quarter and by 74 basis points year-on-year, indicating continued asset quality stability [3] - The ecosystem business, including installment e-commerce, personal consumption credit, inclusive finance, and digital technology, has enhanced collaborative capabilities to improve financial service accessibility and user experience [1]