乐信（LX）今日盘中大跌5.09%，引发市场关注。该公司近期公布的2024年财报显示，尽管营收保持增长，但净利润增速明显放缓。
根据财报数据，乐信2024年全年实现营收142.02亿元，同比增长8.8%。然而，净利润增速仅为3.20%，远低于营收增速。这一增长放缓可能是导致投资者信心下降的主要原因之一。
值得注意的是，乐信采取了控制业务规模、提升服务费率的策略来实现业绩增长。2024年，乐信的贷款收益率上升了22个基点至1.31%，重资本贷款模式下促成与服务费同比增长26.5%至63.3亿元。此外，乐信还在AI技术方面有所突破，其专有AI大模型"奇点"在研发提效、内部工具和业务赋能等方面已落地应用，有望为未来业务发展提供支持。然而，市场似乎对乐信的增长策略和未来前景持谨慎态度，导致股价下跌。
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