Earnings Call Summary | X Financial(XYF.US) Q1 2024 Earnings Conference
Earnings Call Summary | X Financial(XYF.US) Q1 2024 Earnings Conference
The following is a summary of the X Financial (XYF) Q1 2024 Earnings Call Transcript:
以下是小贏科技（XYF）2024年Q1業績會交流摘要：
Financial Performance:
金融業績：
Q1 2024 reported total net revenue of RMB 1.2 billion, up 20% year-over-year.
Net income increased markedly by 28% year-over-year to RMB 363 million, and by 92% quarter-over-quarter.
Notable financial maneuvers include a new share repurchase program authorized up to $20 million.
報告Q1 2024年總營業收入爲12億元人民幣，同比增長20%。
淨利潤同比大幅增長28%至3.63億元人民幣，環比增長92%。
重要的財務舉措包括新的最高2000萬美元的股票回購計劃。
Business Progress:
業務進展：
X Financial managed a proactive adjustment of loan volumes, contributing to profitability despite reduced loan output.
Forward-looking plans include maintaining stabilized outlook on asset quality and aiming for total 2024 loan facilitation and origination around RMB 100 billion.
小贏科技主動調整貸款規模，促進了盈利，儘管貸款產出減少。
未來計劃包括保持資產質量穩定，力爭2024年總貸款放款和發放約1000億元人民幣。
Opportunities:
機會：
X Financial remains committed to stringent risk controls and enhanced operational efficiency to drive sustainable profitability.
小贏科技堅持嚴格的風險控制和卓越的運營效率，推動可持續的盈利能力。
Risks:
風險：
An increased delinquency rate was observed, with rates for loans past due 31 to 60 days at 1.61% and for 91 to 180 days at 4.37%, due to proactive control of loan volumes.
The broader economic environment poses challenges, with elevated risk levels still present within the loan portfolio.
觀察到違約率上升，31至60天逾期貸款率爲1.61％，91至180天逾期貸款率爲4.37％，這是由於主動控制貸款規模。
更廣泛的經濟環境帶來了挑戰，貸款組合中的風險水平仍然很高。
More details: X Financial IR
更多詳情：小贏科技IR
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.
提示：本文由AI生成。文章內容的準確性無法完全保證。有關更全面的詳細信息，請參閱IR網站。本文只是爲投資者提供參考，沒有任何指導或推薦建議。