Earnings Call Summary | Qifu Technology(QFIN.US) Q1 2024 Earnings Conference
Earnings Call Summary | Qifu Technology(QFIN.US) Q1 2024 Earnings Conference
Non-GAAP net income rose by 23.4% compared to the same period last year, reaching RMB 1.2 billion, and non-GAAP net income per diluted ADS increased by 28% year-over-year to RMB 7.58.The following is a summary of the Qifu Technology, Inc. (QFIN) Q1 2024 Earnings Call Transcript:
以下是啓富科技公司（QFIN）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
Qifu Technology reported Q1 revenue of RMB 4.2 billion, representing a 15.4% year-on-year increase.
The company's net take rate grew by 54 basis points to approximately 3.5%.
Non-GAAP net income rose by 23.4% compared to the same period last year, reaching RMB 1.2 billion, and non-GAAP net income per diluted ADS increased by 28% year-over-year to RMB 7.58.
Qifu Technology achieved a Return on Equity (ROE) of roughly 22% for the quarter, outperforming its industry peers.
Total facilitated and originated loans on the platform reached RMB 99.2 billion in Q1.
The company reported a considerable increase in its operating profit margin and expects to further optimize the take rate in Q2, underpinned by risk optimization, reduced funding costs, and an emphasis on asset distribution.
啓富科技公佈的第一季度收入爲人民幣42億元，同比增長15.4％。
該公司的淨收入增長了54個點子，達到約3.5％。
與去年同期相比，非公認會計准則淨收入增長了23.4％，達到12億元人民幣，攤薄後的每股ADS的非公認會計准則淨收益同比增長28％，至人民幣7.58元。
啓富科技本季度的股本回報率（ROE）約爲22％，表現優於業內同行。
第一季度，該平台上的便利貸款和發放貸款總額達到人民幣992億元。
該公司報告稱，其營業利潤率大幅提高，並預計將在風險優化、降低融資成本和強調資產分配的支持下，在第二季度進一步優化收取率。
Business Progress:
業務進展：
Qifu Technology has shifted its business strategy, focusing on quality growth and profitability, which has already shown positive results.
Operations have been optimized and credit standards have been tightened. As a result, the company has empowered 159 financial institutions to provide credit services to 52 million users cumulatively.
The company has improved asset quality, iterated risk strategies, and expanded loan collection strategies, simultaneously reducing funding and acquisition costs for credit line users by 12% sequentially.
To serve user needs more effectively, Qifu has adopted initiatives to increase returns on the loan portfolio.
Significant investments were made in AI and large language models to optimize risk management, telemarketing, loan collection, and customer service.
In Q1, the company forged partnerships with two new financial institutions, bringing the total count of financial partners using Qifu's end-to-end technology solutions to seven.
-The company intends to balance risk and returns by dynamically adjusting the asset structure in its future strategy, further improving operational efficiency.
啓富科技已改變其業務戰略，將重點放在質量增長和盈利能力上，這已經取得了積極的成果。
運營已得到優化，信貸標準也已收緊。因此，該公司已授權159家金融機構累計向5200萬用戶提供信貸服務。
該公司改善了資產質量，迭代了風險策略，擴大了貸款籌集策略，同時將信貸額度用戶的融資和收購成本連續降低了12％。
爲了更有效地滿足用戶需求，啓富採取了增加貸款組合回報率的舉措。
對人工智能和大型語言模型進行了大量投資，以優化風險管理、電話營銷、貸款收款和客戶服務。
在第一季度，該公司與兩家新的金融機構建立了合作伙伴關係，使使用齊富端到端技術解決方案的金融合作夥伴總數達到七個。
-公司打算通過動態調整未來戰略中的資產結構來平衡風險和回報，進一步提高運營效率。
More details: Qifu Technology IR
更多詳情： 啓富科技紅外
Tips: This article is generated by AI. The accuracy of the content can not be fully guaranteed. For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
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