招银国际发表研报指，众安在线(06060.HK) 2024财年盈利超出预期。若撇除2023财年出售众安国际的一次性收入，期内净利润较该行及市场预测分别高出39%及31%，主要归因于其保险业务稳定的利润增长、科技输出扭亏为盈、众安银行的净亏损缩减至2.32亿元。
招银国际估计，众安在线2024财年下半年的综合成本率(CoR)为95.7%，按年上升1.6个百分点。展望未来，随着科技板块和众安银行的盈利增长，该行预期众安在线将能乘国内人工智能(AI)浪潮之势，进一步深化其保险科技产品的护城河，同时应能支持其长期期待的估值重估。
招银国际亦预计，众安银行将于2025财年实现盈利，并视此盈亏平衡为估值上升的下一个主要催化剂。该行维持众安在线的“买入”评级，目标价由22元下调至16元。(js/a)(港股报价延迟最少十五分钟。沽空资料截至 2025-03-24 16:25。)
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