信也科技2026年第二季度业绩会纪要

发布时间：2026-08-30 一、AI总结内容 一、核心要点 1. 信也科技2026年第二季度总营收34亿元，同比增6%；净利润4.27亿元，同比增1%；海外营收占比约27%，为核心增长动力之一。2. 国内业务：贷款规模410亿元，环比增6.5%；C2M2指标从0.68%降至0.56%，受7月行业个别信用事件及催收监管收紧影响，后续面临资金供给收缩、成本上行压力。3. 海外业务：营收9.3亿元，同比增18%；用户量超530万，同比翻倍；印度尼西亚、澳大利亚增长强劲，菲律宾受利率管控影响有阶段性波动，预计下半年恢复。 二、投资线索 1. 国内端：公司将优先保障融资稳定性，通过优化客户分层、提升风控标准应对环境变化；相关费用披露及营销新规已准备合规。 2. 海外端：推进产品扩张与客户升级，印尼先买后付占比提升至25%；布局开放银行基础设施，利用银行流水数据优化风控；预计全年海外贷款规模双位数增长。3. 资本运作：2026年上半年已回购6680万美元股份，后续将结合股价与流动性灵活调整，优先保障业务稳定与海外投入。 三、风险与关注 1. 国内：7月行业信用事件引发机构融资审慎度提升，中小平台出清或阶段性推高资金压力；需警惕信贷风险指标抬头与资金成本上行。2. 海外：菲律宾利率管控影响持续，各国监管政策变动及宏观经济波动可能带来不确定性。 四、后续关注点 1. 国内融资供给与资金成本的变化、新监管规则落地后的业务适配性。2. 菲律宾业务调整后的恢复进度，海外三大市场（印尼、菲律宾、澳大利亚）的协同增长情况。3. 公司对全年1150-1290亿元营收指引的达成可能性。 二、音频原文（转写） Hello, ladies and gentlemen, thank you for participating in the second quarter 2026 earnings conference call for Involusion Group. At this time,all participants are in a listen only mode. After management prepared remarks, there will be aquestion and answer session. Today's conferencecall is being recorded. I will now turn the callover to your host, Yem Cheng, head of capital market for the company. Yem, please go ahead. Trustmen, hi all. Thank you for joining our call. Welcome to our second quarter 2026 earnings conference call. The company's results were issued th rough News Fire services earlier today and are posted online. You can download the earnings release and sign up for the company's email alerts by visiting the IR section of our website. Mr. Pimley, our chief executive officer, and Mr. Alexis Xu, our chief financial officers We will startthe call with the prepared remarks. and conclude. with a q and a section. DOING THIS CALL We will be referring to several non-GAAP financial measures to review and assess our operating performance. These non-GAAP financial measures are notintended to be considered in isolation or as asubstitute for the financial information. ピペー and presented in accordance with U.S. cap. For information about these non-GAAP measures, and theconsolation to GAAP measures Please refer to ourearnings press release. Before we continue, please note that today's discussion will contain forward-looking statements made under the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward looking statements. involved inherent risks. and uncertainties. At first. the company's results may be materially different from the views expressed today.Further information regarding these and other risks and uncertainties are included in the company's filings With the US Securities and ExchangeCommission. The company does not assume any obligation to update any forward-looking statementsexcept as required under applicable law. Finally, we posted a presentation on our IEL website providing details of our results. Before I turn over to. um our c e o We are dialing in from multiple locations. So if there is any delay in connection, please bear with us. I will now turn over. 住our C E O team team piece go ahead. 哦 Thanks, and thanks everyone for joining us. Let me start with a big picture. for years. We have pursued one clear strategy. Internationalization. In aword, this volatile, that strategy matters morethan ever. It let us take what we have learned and put it to work in markets that are ready forfintech, and it helps us diversify away from any single market. That strategy served us well this quarter, and it is exactly where we are headed. Overall, the second quarter was a solid one in China, a stable risk backdrop, together with the preemptive actions we took in early quarters,gave us a constructive environment to operate in. Overseas momentum in Indonesia and Australiamore than offset a delivery temporary pullback in the Philippines. This is our diversification strategy working as designed. Let me turn to theresults. Given the result in China in the fourthquarter of last year, the sequential trend is amore telling measure. Group volume rose five percent sequentially to forty five billion RMB andrevenue moved in step of six percent to three point four billion RMB. Night profit was four hundred and twenty seven billion RMB up one percent. By the figure we are most encouraged by is overseas. 44 million RMB in operating profit, up 17% sequentially. Overseas now account for roughly27% of group revenue, and that share will keeprising for the rest of the year. Now let me diveinto the 2 segments, starting with our Chinesemainland. At a high level, we booked forty one billion RMB in loan volume. up six. one five percent quarter over quarter a healthy continuationof the recovery that began at the beginning of 2026. that side. The industry was rattled by an isolated credit incident. which adversely impactsthe risk and the founding dynamics. I will walkyou through in through in a bit. Right now, weare watching three priorities closely. I said quality. Foundings. and their regulations. first,as a quality. coming into twenty twenty six. Weexpect. We expected a gradual recovery fo