随着上市股东半年报陆续发布，目前已有14家持牌消金公司半年业绩得以披露。 | | | | 14家消金公司上半年业绩（亿元） | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | 序号 | 公司名 | 总资产 | 较年初变化 | 营收 | 同比 | 净利润 | 同比 | | 1 | 招联消金 | 1577.22 | -3.68% | 78.99 | -14.77% | 15.04 | -13.34% | | 2 | 輯或消美 | 3064.7 | -2.32% | 100.41 | 67.77% | 14.6 | 57.84% | | 3 | 司下凉等 | 680.99 | 3.87% | 87.35 | 12.96% | 11.55 | 8.15% | | 4 | 兴亦凉等 | 815.39 | -0.70% | 45.6 | -12.10% | 8.68 | 213.36% | | 5 | 杭银消金 | 629.81 | 22.21% | 27.88 | 3.34% | 4.85 | 5.43% | | 6 | 苏银消金 | 630.37 ...

Core Insights - The overall performance of consumer finance companies in the first half of 2025 shows significant improvement compared to the same period in 2024, with only three companies experiencing a decline in performance [10][11]. Asset Performance - In the first half of 2025, Ant Consumer Finance and Zhaolian Consumer Finance, the leading companies, experienced slight declines in total assets, with Ant Consumer Finance at 3064.7 billion and Zhaolian Consumer Finance at 1577.22 billion [2][3]. - Among the companies, Ningshan Consumer Finance showed the highest asset growth rate of 17.2%, while Su Yin Kai Ji Consumer Finance and Hang Yin Consumer Finance also demonstrated strong growth rates of 22.74% and 22.21% respectively [7]. - Sunshine Consumer Finance had the highest asset growth rate among the 19 companies, reaching 47.38% [7]. Profit Performance - In terms of net profit, Ant Consumer Finance achieved a remarkable 57.84% year-on-year increase, reaching 14.6 billion, while Zhaolian Consumer Finance saw a decline of 12.76% to 15.04 billion [8][10]. - Xinyi Consumer Finance and Zhongyou Consumer Finance were the fastest-growing companies in terms of net profit, with increases of 213.36% and 165.97% respectively [10]. - Sunshine Consumer Finance and Jianxin Consumer Finance faced significant declines in net profit, with decreases of 72.58% and 95.24% respectively [11].