环球验收股票讨论区

$环球验收(WRLD.US)$是做小额消费贷的，5年来营收前3年缓慢增长，2021年大幅下滑11.4%，2022年部分恢复，2023前3季度继续增长5.9%。
营收主要由利息收入构成，还有一小部分非利息收入，主要是保费和佣金收入，信贷损失准备金波动巨大，是决定净利润的因素，2023前3季度净利润还因此陷入小幅亏损。5年来平均净利润为0.52亿。
5年来资产负债率从35.7%提升到69.4%，2023Q3达到70.5%。
资产主要由贷款净额组成，负债主要由长期借款组成，长期借款占净资产的2倍。
目前市盈率9.9，但是市盈率TTM已经飙升到38.6，2023年年报大概率很难看。如果按5年平均净利0.52亿计算，市盈率为10，目前市净率1.45，对于传统贷款金融来说估值合理，吸引力不大，可以等年报出来看看市场是否有过激反应再说。

Upgrades
• $铿腾电子(CDNS.US)$ : BofA Securities Upgrades to Neutral from Underperform - PT $175 (from $160)
• $Federated Hermes(FHI.US)$ : KBW Upgrades to Outperform from Market Perform - PT $540
• $高盛(GS.US)$ : BofA Securities Upgrades to Buy from Neutral - PT $380 (from $360)
• $麦当劳(MCD.US)$ : Atlantic Equities Upgrades to Overweight from Neutral - PT $278 (from $245)
• $甲骨文(ORCL.US)$ : Exane Upg...

$环球验收(WRLD.US)$Have you ever walked out of a finance business cash or check in hand, (completely perplexed that they'd even let you in the door) and thought to yourself, "they either have no idea what they're doing, or they know exactly what they're doing."
Hey, if it works it works. But politely and constantly informing people that they owe you money isn't the best business plan. The people I prioritize paying back first are the kind of people that never have to remind anyone and never have to give late payment penalties. They're recognized as fair,  respectable lenders, and they always do better than the "salesman" type.