6家金融科技公司“交卷”：乐信三季度营收降超6%，2家放款规模微降

Group 1 - The core viewpoint of the article highlights the performance of six listed fintech companies in Q3 2025, showing overall stable results but significant profit differentiation among them [1][3] - Five companies reported positive revenue growth, while Lexin experienced a decline of over 6% year-on-year [1][6] - In terms of net profit, four companies saw an increase, while Qifu Technology and Yirendai reported declines exceeding 20% and 10%, respectively [1][8] Group 2 - Qifu Technology led in revenue with 5.206 billion RMB, a year-on-year increase of 19.13%, while Lexin's revenue decreased by over 6% [4][6] - Lexin's revenue structure consists mainly of credit facilitation service income, which fell by 11.9% year-on-year to 2.617 billion RMB [7][6] - Among the companies, Yirendai and Qifu Technology showed significant growth in loan balances and disbursement volumes, with Yirendai's loan balance increasing by over 50% [10][11] Group 3 - The impact of the new lending regulations has led to a slowdown in loan disbursement for some companies, with Lexin and Xinye Technology reporting declines of 0.2% and 1.92% year-on-year, respectively [9][11] - Qifu Technology's light capital loan business decreased by 23.4% year-on-year, indicating a shift in operational strategy in response to regulatory changes [12][13] - Companies are increasingly focusing on AI and technology integration, with Yirendai and Xinye Technology enhancing their AI capabilities to improve operational efficiency and customer service [15][16] Group 4 - Xinye Technology's international business revenue reached 25% of total revenue, marking a significant increase, with international loan balances growing by 43.75% year-on-year [16][17] - The overall trend indicates that fintech companies are expanding their overseas operations and adapting to local markets to meet rising credit demand [17]