在美上市国内头部金融科技公司披露三季报 整体表现稳健 “AI”助力赚钱

Core Insights - AI has become the central focus for leading domestic fintech companies listed in the US, with significant investments leading to stable growth in performance [1][2] - Companies are emphasizing shareholder returns, with Lexin increasing its dividend payout ratio from 25% to 30% and Xinyi Technology repurchasing shares worth approximately $66.5 million [1][2] Company Performance - Lexin reported a revenue of 3.42 billion yuan and a net profit of 675 million yuan in Q3, with a net profit margin of 2%, showing a quarter-on-quarter increase of 9 basis points and a year-on-year increase of 92 basis points [2] - Lexin's transaction volume reached 50.89 billion yuan, with a loan balance of 101.84 billion yuan and a user base of 240 million, reflecting a year-on-year growth of 7.7% [2] - Xinyi Technology achieved a revenue of 3.5 billion yuan and a net profit of 640 million yuan in Q3, with a transaction volume of 51.2 billion yuan and a loan balance of 77.1 billion yuan [3] AI Investment and Application - Lexin's investment in AI technology has led to the development of its proprietary model, LexinGPT, which improved user demand recognition accuracy by over 20% and reduced average response time to under 10 seconds [1][2] - Xinyi Technology has enhanced its AI customer service system, completing over 1 million automated services in Q3, significantly improving service efficiency and user experience [3]