核心亮点：- 净亏损1.02亿美元,同比减少41.6%
- 总收入6.98亿美元,同比增长40.6%,主要受益于贷款发放量增长和服务收入增加
- 毛利率为65.5%,同比提高6.5个百分点,主因为单位成本下降
收入拆解：- 商户网络收入1.84亿美元,同比增长26%
- 虚拟卡收入4748万美元,同比增长42%
- 两大收入来源体现了商户和用户渗透的持续增长
管理层观点展望：- 管理层指出,贷款发放量和消费支出的增长推动了收入的大幅增长
- 他们预计通过继续扩大商户网络、推出新产品以及深化与现有商户的合作来维持收入增长
- 管理层预计信贷成本和资金成本将持续上升,以支持业务增长,但将通过规模效应和效率提升来抵消部分影响
运营数据：- 营业费用8.31亿美元,同比增长17.7%
- 现金流量和现金储备水平足以支持未来2-3年的运营
- 由于亏损持续,未来现金流或将面临压力
运营风险：信用风险、资金来源受限制、加息环境下资金成本增加、市场竞争加剧以及供应链风险是主要经营风险。
公告原文
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