Qifu Technology | 20-F: FY2024 Annual Report

奇富科技 | 20-F：2024財年年報

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Qifu Technology delivered robust financial results for 2024, with net income soaring 46.4% YoY to RMB 6.26 billion ($858.2 million). Total revenue reached RMB 17.17 billion ($2.35 billion), up 5.4% YoY, while diluted EPS grew 58.3% to RMB 20.64. The company's loan facilitation volume was RMB 322.0 billion, though showing a 12.8% YoY decrease.The company demonstrated strong operational efficiency with improved asset quality, as the 90-day+ delinquency rate decreased to 2.09% from 2.35% in 2023. Credit-driven services contributed 68.2% of total revenue, while platform services accounted for 31.8%. The company maintained robust partnerships with 162 financial institutions and served 56.9 million users with approved credit lines.Qifu Technology implemented a new dividend policy, committing to semi-annual payments of 20-30% of net income, with total dividends reaching RMB 1.25 billion in 2024. Strategic initiatives included completing the transition to a single-class share structure and enhancing AI and risk management capabilities, while maintaining strong regulatory compliance and focusing on sustainable growth.

奇富科技在2024年交出了強勁的財務業績，凈利潤同比飆升46.4%，達到人民幣62.6億（$85820萬）。總營業收入達到人民幣171.7億（$23.5億），同比增長5.4%，而攤薄後每股收益增長58.3%，達到了人民幣20.64。公司的貸款促成成交量爲人民幣3220億，雖然同比下降了12.8%。公司展現了強大的運營效率，資產質量得到改善，90天以上逾期率從2023年的2.35%下降至2.09%。以信貸驅動的服務貢獻了總營業收入的68.2%，而平台服務佔31.8%。公司與162家金融機構保持了穩固的合作關係，併爲5690萬用戶提供了批准的信用額度。奇富科技實施了一項新的分紅政策，承諾每半年支付凈利潤的20-30%分紅，2024年的總分紅達到了人民幣12.5億。戰略舉措包括完成向單類股份結構的過渡，並增強人工智能和風險管理能力，同時保持強大的合規性並專注於可持續增長。

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