上市金融科技公司近日陆续晒出二季度"成绩单"，业绩整体呈现向好态势。 伴随多项刺激消费政策持续释放积极信号，今年二季度信贷需求回暖以及通过深化资金方合作带来了资 金成本下降，又得益于人工智能（AI）在智能客服、风控、自动化审批等环节的落地应用以及国际市 场贡献上升，金融科技公司在二季度资产质量提升，推动营收和净利润整体上扬。 其中，奇富科技以二季度52.16亿元（人民币，下同）的营收与17.34亿元的净利润，仍处于首位；信也 科技以35.8亿元的营收和7.5亿元的净利润，居于第二；小赢科技紧随其后，二季度实现营收22.73亿 元，净利润5.28亿元；乐信、嘉银科技也交出亮眼答卷，二季度净利润迈向5亿元台阶，分别为5.11亿元 和5.19亿元。 整体业绩向好 上市金融科技公司二季度业绩延续向好的态势。其中，奇富科技二季度实现营收52.16亿元，同比增长 25.38%；净利润17.31亿元，同比增长25.72%。平台总促成与发放贷款金额达846.09亿元，同比增长 16.1%，季度末在贷余额为1401亿元。智能信贷引擎"ICE"及全技术解决方案下的贷款金额（即轻资本 模式）为350.32亿元，占总量的41.4%。 ...

Core Insights - The company, Yiren Zhike (YRD.US), reported its Q2 2025 unaudited financial results, emphasizing its commitment to compliance and AI-driven growth in a rapidly changing industry [1] - CEO Tang Ning highlighted the significant impact of AI technology across the entire business chain, contributing to steady business development and valuable experience in technological innovation [1] Financial Performance - In Q2 2025, the company facilitated transaction amounts of 20.3 billion, a year-on-year increase of 57%, with loan balances reaching 31.2 billion, up 43% [2] - The number of borrowers served reached 13.54 million, reflecting a 25% year-on-year growth, driven by AI marketing technology [2] - The overdue rates for 1-30 days, 31-60 days, and 61-90 days were 1.7%, 1.1%, and 1.0% respectively, indicating a robust risk management framework [2] Business Segments - In the small and micro service sector, the company served 125,000 small merchants, a 13% increase quarter-on-quarter, with transaction amounts of 4 billion, up 44% [2] - The insurance brokerage segment saw premiums reach 0.85 billion, a 6% quarter-on-quarter increase, with AI technology enhancing service coverage [3] Technological Advancements - The company successfully registered its "Yishanghua Intelligent Recognition Content Generation Algorithm," marking a milestone in AI compliance [3] - Yiren Zhike showcased its AI capabilities at the 2025 World Artificial Intelligence Conference, highlighting its innovative breakthroughs [6][8] ESG and Social Responsibility - The company released its 2024-2025 ESG report, demonstrating its commitment to sustainable development and directing funds towards low-carbon initiatives [9] - Yiren Zhike, in collaboration with the Yixin Public Welfare Foundation, reported a total of 7.6 million in public welfare spending over five years, benefiting over 100,000 individuals [12]