Core Viewpoint - Xinyi Technology has achieved significant profitability with a projected net profit of 2.388 billion yuan for 2024, translating to over 6.5 million yuan in daily earnings, positioning itself as a standout in the financial technology sector despite industry challenges [3][4]. Group 1: Profitability Insights - Xinyi Technology, formerly a leading P2P platform, transitioned to a loan facilitation model, connecting banks and consumers, which has led to substantial service fee revenues [6][7]. - The company employs aggressive customer acquisition strategies, including online marketing, telemarketing, and ground promotion, which are crucial for its profitability [8]. - Employee incentives are structured to motivate ground staff, with commissions ranging from 1.3% to 2.6% on loans, reflecting a high-stakes sales culture [9][10]. Group 2: Business Model and Risks - The KOO Wallet app, operated by Xinyi Technology, has been associated with high-interest rates, with claims of annualized rates reaching up to 24%, raising concerns about the sustainability of its profit margins [14][15]. - Complaints regarding deceptive practices by ground staff have surfaced, indicating potential ethical and regulatory risks that could impact the company's reputation and operations [11][12][13]. - The company does not disclose its gross margin, which may lead to scrutiny regarding the reasonableness of its fees and compliance with regulations [16]. Group 3: Future Growth Prospects - Xinyi Technology's revenue streams include loan facilitation fees, post-loan service fees, and guarantee income, with guarantee income projected to reach 5.085 billion yuan in 2024, a 13.54% increase [18][19]. - The company is expanding its international presence, with overseas active borrowers increasing by 106.1% to 1.7 million, contributing to 20.4% of total revenue [21][22]. - Projections indicate that Xinyi Technology may achieve a net profit of 2.941 billion yuan in 2025, reflecting a year-on-year growth of 23.4% [22]. Group 4: Conclusion - The high profitability of Xinyi Technology is seen as a product of specific historical conditions, emphasizing the need for genuine value creation rather than mere numerical gains [23].

出品 | 妙投APP 作者 | 董必政 头图 | 信也官网 在金融科技行业看似平静的水面下，信也科技以2024年全年净利润23.88亿元、日赚超650万元的业绩，悄然演绎着一场"暴利"神话。 2019年拍拍贷对外宣布正式升级为"信也科技集团"，并决定停止新增P2P业务。紧接着，在2020年9月，拍拍贷彻底退出了存量网贷业务，就此彻底完成了从 P2P网贷平台向助贷平台的转型。 所谓助贷平台，可以理解为贷款中介。 信也科技一手对接银行、金融消费公司等资金方，一手对接C端消费者、个体工商户等，但赚的服务费可不止几个点。 在这个资金掮客的模式当中，拓客、协助放贷是影响信也科技盈利能力最重要的环节。 公司的拓客来源于网销、电销、地推等，毕竟量大出单。单从地推渠道来看，妙投就可以发现助贷可真是个"暴利"的生意。 从BOSS直聘来看，信也科技常年在国内167个地市区招地推人员，要求地推、陌拜的方式寻找满足一定芝麻分的客户，推广用户注册使用助贷APP"KOO钱 包"。 这家成立于2007年的老牌互金平台，在经历P2P暴雷潮、监管收紧等行业动荡后，通过业务转型和全球化布局，不仅实现了盈利的持续增长，更以18.28%的 净利率远 ...