元保:第三方保险经纪龙头 AI科技驱动效率持续提升

中信建投证券
Jul 27

核心观点元保是技术驱动的第三方在线保险经纪公司,利用数据+模型的飞轮效应实现高增长+高利润率,未来预估增速回归稳健我们认为市场错误地将元保定位为一家高风险的互联网保险中介,导致其估值偏低。实际上,元保是一家技术驱动、资产轻、利润率高(Q1 净利率达30.4%)的保险经纪公司。其护城河并非像蚂蚁或微保那样的流量生态,而是能为缺乏数字化能力的传统险企提升效率的技术引擎。虽然面临竞争加剧和获客成本上升的...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Most Discussed

  1. 1
     
     
     
     
  2. 2
     
     
     
     
  3. 3
     
     
     
     
  4. 4
     
     
     
     
  5. 5
     
     
     
     
  6. 6
     
     
     
     
  7. 7
     
     
     
     
  8. 8
     
     
     
     
  9. 9
     
     
     
     
  10. 10