移卡(09923.HK)2024年業績亮眼：戰略升級驅動業務毛利率顯著攀升
3月27日，中國領先的基於支付的科技平臺——移卡有限公司（以下簡稱“移卡”或“公司”，股份代號：9923.HK）發佈2024年年度業績公告。2024年全年營收爲30.87億元人民幣，整體毛利率由2023年的18.7%提升至2024年的23.6%；期內利潤爲7,300萬，與上年同期相比增長超6倍。其中，2024年下半年毛利潤環比上升42.7%至4.29億元人民幣。
從業務數據看，一站式支付服務作爲公司的核心業務，依然發揮着基礎作用：全年GPV爲2.34萬億元人民幣，營收26.86億元人民幣，日交易筆數峯值達到近6,000萬筆。其中2024年下半年毛利率提升至21.6%，由此帶動支付毛利潤從2024年上半年的9290萬元人民幣，上升至2024年下半年的2.90億元人民幣。
另一方面，移卡增值業務（包括商戶解決方案及到店電商服務）對公司總收入的貢獻比例從2023年的11.8%上升至2024年同期的13.0%，而這部分業務的毛利率相比支付業務更高。
其中商戶解決方案業務毛利率與上年同期持平，約87.2%，全年收入爲3.40億元人民幣。其中，移卡通過AI算法實現廣告精準投放與動態創意生成，大幅提升轉化率。並且在金融科技的營銷服務上實現了行業領先，覆蓋了行業90%以上的主要客戶，包括螞蟻寶、微衆銀行、寧波銀行、衆安保險等，精準營銷業務量創下歷史新高。
移卡到店電商業務則在經過全面的戰略升級後，實現了2024年商戶平均貢獻收入及利潤翻倍，並且前置收入對到店電商收入貢獻約50%。
移卡通過精細化經營以及將大量AI應用到業務的運營中，包括提供自動構建場景化門店、AI內容創作、直播策劃等工具，大幅提高人效比。同時，逐步淘汰盈利能力較低的客戶，更加專注於對大型客戶的服務，全力打造全案營銷能力，以及聚焦升級服務和交付能力，吸引了洲際酒店、融創雪世界、幸福西餅、金逸影城等酒店、文旅、休娛、餐飲、零售等核心消費領域的著名品牌，門店數同比持續增長的同時，多元化的覆蓋也提高到店電商業務的內在韌性和持續性。
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