嘉银科技余额是？宜人智科投资「加密货币」挣了不少｜附6家上市互金业绩

Core Insights - The article focuses on the Q3 performance of two fintech companies, JiaYin Technology and Yirendai, highlighting their financial results and strategic adjustments in response to regulatory pressures in the fintech sector. JiaYin Technology - JiaYin Technology reported a loan issuance of 32.2 billion, a slight increase of 1.35% from Q2's 31.7 billion, despite a significant revenue decline of 22% to 1.4702 billion [1][2] - Net profit for Q3 was 376.5 million, showing a year-on-year increase of 39.65% but a quarter-on-quarter decrease of 27.47% [1][2] - Revenue breakdown: loan facilitation service income decreased by 24% quarter-on-quarter, while guarantee income increased by 20% [1][2] - Marketing and administrative expenses decreased by 23% and 34% respectively, while provisions for bad debts saw a dramatic reduction of 95% [1][2] - As of the end of September, the outstanding loan balance was 83 billion, which decreased to 80.3 billion by the end of October [4][5] - The company maintains partnerships with 75 financial institutions and is in discussions with 64 others [6][8] - In the overseas market, JiaYin's Indonesian business grew nearly 200% year-on-year, with a 150% increase in borrower numbers [10][11] - The company anticipates a loan facilitation volume of 23 to 25 billion for Q4, representing a quarter-on-quarter decrease of 22% to 29% [17] Yirendai - Yirendai's loan balance reached 34.2 billion, marking a quarter-on-quarter increase of 9.62% and a year-on-year increase of 50% [19] - The company facilitated loans totaling 20.2 billion in Q3, a slight decrease of 0.49% from Q2 but a year-on-year increase of 50.75% [20] - Revenue for Q3 was 1.555 billion, down 5.88% quarter-on-quarter but up 5.13% year-on-year, with net profit at 318 million, reflecting a quarter-on-quarter decrease of 11.16% [20][21] - The financial consulting segment, primarily loan facilitation, contributed 91.52% of total revenue, with a significant 70% year-on-year growth driven by guarantee service income [22][23] - The company reported a 68.8% increase in provisions for bad debts, reaching 460 million, due to the growth in risk-bearing loan facilitation [26] - Yirendai's overseas operations in Indonesia are expected to contribute significantly to growth in 2026 [29] - The company has seen a resurgence in its insurance business, with a 204% increase in internet insurance premiums, although overall premiums are down 15% year-on-year [31] - Notably, half of Yirendai's net profit in Q3 was attributed to cryptocurrency investments, with a fair value adjustment gain of 161.3 million [34][38] - The company projects total revenue for Q4 to be between 1.4 billion and 1.6 billion, driven by growth in both domestic and international loan markets [39]