51信用卡(02051.HK)发布2019年H1财报，营收及净利润均保持同比增长
格隆汇8月28日丨港股上市公司51信用卡(02051.HK)于今日晚间发布2019年上半年度业绩报告。报告期内，51信用卡实现营收人民币14亿元，较去年同期增长9.8%，经调整净利润为人民币3.09亿元，同比增长12.9%。
与此同时，51信用卡的用户量及信用卡管理数量均呈同比双位数增长态势。截至2019年6月30日，一站式信用卡综合服务平台51信用卡管家的注册用户数增至8340万人，同比增长21%，管理的信用卡数量也较去年同期增长了16.9%达到1.387亿张。
就业务板块而言，51信用卡通过流量合作、智能风控体系、大数据营销等技术能力所带来的收益持续迅速增长。报告期内，信用卡科技服务费、介绍服务费及其他收益三项营收共占上半年总营收的42.6%。收入来源更加多元化的同时，51信用卡平台的科技属性也越发凸显。
在信贷撮合服务方面，由于行业处于加速整合期，51信用卡在该业务上主动采取了稳健增长的运营策略。2019年上半年，51信用卡的信贷撮合总量为138.33亿元，其中来自机构资金的贷款撮合量约为48.3亿元，较去年同期的10.99亿元增长339.3%。
值得注意的是，机构资金在其信贷撮合业务的资金来源占比中显著提高，2019年6月，机构资金占比已达50.5%。各合作金融机构对51信用卡授信额度累计超过150亿元，财报预计机构资金占比未来将持续提升。
另据财报显示，51信用卡已经与超过100家银行、消费金融公司、信托公司等达成合作，未来将持续提升运营及风控能力，并进一步加强与金融机构合作的广度与深度。
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