乐信公告4Q24 业绩:归母净利润3.6 亿人民币(同比/环比:+2899/+17%)。略好于我们此前预期的3.47 亿人民币。净利润环比提升主因贷款质量改善后信用成本下降。4Q24 乐信的贷款质量进一步提升,首日逾期率环比降幅4%,信用成本环比降低4.5%。放款量520 亿人民币,环比提升2%,环比基本持平,或主因公司仍然聚焦提升盈利能力,而非扩张规模。年化净利润take rate 环比提升...
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