乐信(LX)今日盘中大涨8.67%,报收4.56美元/股,引发市场关注。从消息面上看,主要原因如下:
一、Q3业绩环比向好,重回增长轨道。乐信发布的2024年三季度财报显示,营收和利润均实现环比增长,其中净利润达4.09亿元,环比增长33.2%。新增资产中优质资产占比超75%,风控指标FPD7环比下降13%,风险指标迎来拐点,资产质量持续改善。分析人士认为,凭借强大的科技实力和深耕优质潜在客群,再加上降低的资金成本,乐信经营表现向好具有一定持续性。
二、加大分红力度回馈投资者。财报显示,从2025年开始乐信将把分红比例提高至净利润的25%,较当前的20%有所提升。多家券商认为,这体现了乐信对业务发展的信心,诚意满满回馈了资所有大的长期支持,有利于提高其中长期的配置价值。
三、机构看好后续估值修复空间。乐信目前的市盈率和市净率均处在行业较低水平,多家券商纷纷上调目标价并给予"买入"评级。比如交银国际认为随着风控改善其资产质量和盈利能力将持续向好;花旗则点出乐信估值修复空间依然存在。
除财报业绩外,乐信海外市场同样取得不俗成绩,如印尼市场活跃用户和交易额均呈现大幅增长。此外,生态业务稳步发展,与消费金融主业形成协同效应,有望推动乐信长期增长更加稳健。
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