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LexinFintech | 6-K: Report of foreign private issuer (related to financial reporting)

LexinFintech | 6-K: Report of foreign private issuer (related to financial reporting)

樂信 | 6-K：外國發行人報告（業績相關）
美股SEC公告 ·  2024/11/26 19:08

Moomoo AI 已提取核心訊息

LexinFintech reported Q3 2024 total loan originations of RMB51.0 billion, remaining stable QoQ but down 19.5% YoY, with outstanding loan balance at RMB111.2 billion. Despite lower volumes, net profit reached RMB310 million, up 36.7% QoQ from RMB227 million, driven by improved net revenue take rate and reduced funding costs.Total operating revenue grew 4.4% YoY to RMB3.7 billion, with credit facilitation service income rising 10.6% YoY to RMB2.97 billion. The company achieved record low funding costs with nearly 100 basis points reduction QoQ, while maintaining stable asset quality with 90-day+ delinquency ratio at 3.7% and first payment default rate below 1%.Looking ahead, the company remains cautious about short-term economic outlook while expecting gradual recovery from government stimulus measures. The Board approved an increased dividend payout ratio of 25% of net profit starting in 2025, demonstrating confidence in sustainable business recovery.
LexinFintech reported Q3 2024 total loan originations of RMB51.0 billion, remaining stable QoQ but down 19.5% YoY, with outstanding loan balance at RMB111.2 billion. Despite lower volumes, net profit reached RMB310 million, up 36.7% QoQ from RMB227 million, driven by improved net revenue take rate and reduced funding costs.Total operating revenue grew 4.4% YoY to RMB3.7 billion, with credit facilitation service income rising 10.6% YoY to RMB2.97 billion. The company achieved record low funding costs with nearly 100 basis points reduction QoQ, while maintaining stable asset quality with 90-day+ delinquency ratio at 3.7% and first payment default rate below 1%.Looking ahead, the company remains cautious about short-term economic outlook while expecting gradual recovery from government stimulus measures. The Board approved an increased dividend payout ratio of 25% of net profit starting in 2025, demonstrating confidence in sustainable business recovery.
樂信公佈了2024年第三季度的總貸款發放額爲510億人民幣，環比保持穩定，但同比下降19.5%，貸款餘額爲1112億人民幣。儘管貸款量下降，凈利潤達到了31000萬人民幣，比上季度的22700萬人民幣增長了36.7%，這得益於淨營業收入提成率的改善和融資成本的降低。總營業收入同比增長4.4%至37億人民幣，信貸促進服務收入同比增長10.6%至29.7億人民幣。公司實現了記錄低的融資成本，環比減少近100個點子，同時保持了穩定的資產質量，90天以上逾期率爲3.7%，首次還款違約率低於1%。展望未來，公司對短期經濟前景持謹慎態度，同時期待政府刺激措施帶來的逐步復甦。董事會批准從2025年開始，凈利潤的股息支付比例提高至25%，顯示了對可持續業務復甦的信懇智能。
樂信公佈了2024年第三季度的總貸款發放額爲510億人民幣，環比保持穩定，但同比下降19.5%，貸款餘額爲1112億人民幣。儘管貸款量下降，凈利潤達到了31000萬人民幣，比上季度的22700萬人民幣增長了36.7%，這得益於淨營業收入提成率的改善和融資成本的降低。總營業收入同比增長4.4%至37億人民幣，信貸促進服務收入同比增長10.6%至29.7億人民幣。公司實現了記錄低的融資成本，環比減少近100個點子，同時保持了穩定的資產質量，90天以上逾期率爲3.7%，首次還款違約率低於1%。展望未來，公司對短期經濟前景持謹慎態度，同時期待政府刺激措施帶來的逐步復甦。董事會批准從2025年開始，凈利潤的股息支付比例提高至25%，顯示了對可持續業務復甦的信懇智能。
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