FINV.HK (FINV.HK)'s first quarter revenue of 3.165 billion yuan contributed to a transaction volume of 48.3 billion yuan

Gelonghui Finance · May 16 23:05

格隆汇5月16日丨信也科技(FINV.HK)公布2024年第一季度未经审计的财务业绩，财报显示，实现营收人民币31.651亿元，同比增长3.75%；实现净利润人民币5.32亿元，同比减少22.88%，摊薄后每股ADS净利润为人民币1.97元。

2024年第一季度中国市场运营亮点

累计注册用户截至2024年3月31日达到1.587亿，与2023年3月31日相比增长了8.3%。

累积借款人截至2024年3月31日达到了2550万，与2023年3月31日相比增长了6.3%。

独立借款人数量2024年第一季度为180万人，与2023年同期相比下降了18.2％。

交易量2024年第一季度达到461亿元人民币，与2023年同期相比增长10.3％。

为重复的个人借款人提供了交易量2024年第一季度为人民币393亿元，与2023年同期相比增长5.9％。

未偿贷款余额截至2024年3月31日达到人民币640亿元，与2023年3月31日相比增长了4.4%。

平均贷款规模2024年第一季度为人民币10,121元，而2023年同期为人民币7,908元。

平均贷款期限2024年第一季度为8.2个月，而2023年同期为8.5个月。

90天以上的拖欠率截至2024年3月31日，为2.45％，而截至2023年3月31日为1.72％。

2024年第一季度国际市场运营亮点

累计注册用截至2024年3月31日达到了2680万，与2023年3月31日相比增长了49.7%。

累积借款截至2024年3月31日，国际市场达到510万个，与2023年3月31日相比增长了37.8%。

独立借款人数量2024年第一季度为85万人，与2023年同期相比增长了14.9％。

新借款人数2024年第一季度为34万英镑，与2023年同期相比增长9.7％。

交易量2024年第一季度达到人民币22.1亿元，与2023年同期相比增长40.8％。

未偿贷款余额截至2024年3月31日达到人民币12.7亿元，与2023年3月31日相比增长了33.7%。

2024年第一季度国际业务收入为人民币5.948亿元(合8,240万美元)，与2023年同期相比增长了32.9％，占2024年第一季度总收入的18.8％。

展望未来，公司重申其对中国市场的2024年全年交易量指导，交易量在人民币1,957亿元至2,050亿元人民币之间，同比增长约5.0％至10.0％。同时，公司预计，其2024年全年国际市场的交易量将在人民币94亿元至110亿元人民币之间，同比增长约20.0％至40.0％。

Gelonghui, May 16 | FINV.HK (FINV.HK) announced unaudited financial results for the first quarter of 2024. The financial report showed that it achieved revenue of RMB 3.165.1 billion, an increase of 3.75% year on year; realized net profit of RMB 532 million, a decrease of 22.88% year on year. After dilution, ADS net profit per share was RMB 1.97 yuan.

Highlights of the operation of the Chinese market in the first quarter of 2024

The total number of registered users reached 158.7 million as of March 31, 2024, an increase of 8.3% compared with March 31, 2023.

The cumulative number of borrowers reached 25.5 million as of March 31, 2024, an increase of 6.3% compared to March 31, 2023.

The number of independent borrowers was 1.8 million in the first quarter of 2024, a decrease of 18.2% compared to the same period in 2023.

The trading volume reached RMB 46.1 billion in the first quarter of 2024, an increase of 10.3% compared with the same period in 2023.

The transaction volume provided to repeat individual borrowers was RMB 39.3 billion in the first quarter of 2024, an increase of 5.9% compared with the same period in 2023.

The outstanding loan balance reached RMB 64 billion as of March 31, 2024, an increase of 4.4% compared with March 31, 2023.

The average loan size was RMB 10,121 for the first quarter of 2024, compared to RMB 7,908 for the same period in 2023.

The average loan term was 8.2 months in the first quarter of 2024, compared to 8.5 months in the same period of 2023.

The delinquency rate for 90 days or more was 2.45% as of March 31, 2024, compared to 1.72% as of March 31, 2023.

Highlights of international market operations in the first quarter of 2024

The cumulative registration fee reached 26.8 million as of March 31, 2024, an increase of 49.7% compared with March 31, 2023.

As of March 31, 2024, cumulative loans reached 5.1 million in the international market, an increase of 37.8% compared with March 31, 2023.

The number of independent borrowers was 850,000 in the first quarter of 2024, an increase of 14.9% compared to the same period in 2023.

The number of new borrowers was £340,000 in the first quarter of 2024, an increase of 9.7% compared to the same period in 2023.

The trading volume reached RMB 2.21 billion in the first quarter of 2024, an increase of 40.8% compared with the same period in 2023.

The outstanding loan balance reached RMB 1.27 billion as of March 31, 2024, an increase of 33.7% compared with March 31, 2023.

International business revenue for the first quarter of 2024 was RMB 594.8 million (US$82.4 million), an increase of 32.9% compared with the same period in 2023, accounting for 18.8% of total revenue for the first quarter of 2024.

Looking ahead, the company reiterated its trading volume guidance for the Chinese market for the full year of 2024. The trading volume was between RMB 195.7 billion and RMB 205 billion, an increase of about 5.0% to 10.0% year-on-year. Meanwhile, the company expects its international market trading volume for the full year of 2024 to be between RMB 9.4 billion and RMB 11 billion, an increase of about 20.0% to 40.0% year-on-year.

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信也科技(FINV.HK)一季度营收31.65亿元 促成交易额达483亿元

FINV.HK (FINV.HK)'s first quarter revenue of 3.165 billion yuan contributed to a transaction volume of 48.3 billion yuan

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信也科技(FINV.HK)一季度营收31.65亿元促成交易额达483亿元