維信金科(02003.HK)上半年新增信貸超225億元 金融科技板塊增長邏輯迴歸
7月8日，維信金科（2003.HK）發佈公吿，預計今年上半年業績大幅增長。公吿顯示，維信金科2021年上半年預期將實現淨利潤不少於7.5億元人民幣，實現經調整後淨利潤不少於7.8億元人民幣。
截至目前，正常運營的金融科技上市平台都不同程度地披露了2021年的部分業績，頭部公司們在今年紛紛交出了超出預期的成績單。
2020年，一場突如其來的新冠疫情讓金融科技平台度過了相對艱難的一年，業績收縮、資產質量下降，也導致資本市場遇冷。在這樣的背景下，頭部平台依然能積極應對，快速調整。去年下半年以來，維信金科通過優化獲客模式、強化信貸及風險管理體系等技術改造，成功降低客户流失率，提升留住優質客户的能力和成本效益，最終在2020年下半年逆襲，實現達2.5億元人民幣的經調整淨利潤。
進入2021年，金融科技平台尤其是頭部企業，業績呈現了強勁的增長勢頭。360數科、信也科技、樂信一季度放貸分別增長40.4%、104.6%、57.8%。維信金科上半年，新增信貸規模為225.3億元人民幣，較去年同期增長69.2%。
業績增長的同時，資產質量也在提升。維信金科公吿顯示，維信金科的首次付款逾期率從2020年四季度起就維持在0.4%，M3+逾期率從2020年四季度的2.9%下降至1.4%，資產質量已經優於疫情前水平。
金融科技板塊的增長邏輯正在迴歸。一方面，在監管指向與市場需求驅動下，科技助貸成為市場主流，監管環境趨於穩定；另一方面，得益於過去幾年P2P平台的整體清退，巔峯時期超過5000家的P2P平台已完全“歸零”，留下了大量需求空白由頭部助貸平台填補。
資本市場已經開始給予金融科技平台積極的價值評價，過去幾個月內，正常運作的金融科技平台股價漲勢兇猛，業績披露相對滯後的維信金科也取得了超過八成的年內漲幅。但是相對於整個金融科技板塊的增長潛力，整個行業的估值還有極大的提升空間。
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