《大行報告》大和下調360數科(QFIN.US)目標價至27美元 評級「買入」
大和發表評級報告指,360數科(QFIN.US)管理層指引新增貸款按年增10%至20%,並已考慮到消費反彈及就業收入改善之間的滯後。該行指,公司新貸款的商業模式組合或與去年相似,並長遠來看,集團目標提高其部分輕資產業務佔比。由於公司客戶群升級舉動已結束,去年第四季貸款定價持平,並預料這將於未來幾個季度繼續維持。
該行表示,將360數科在2023年至2024年的撥備前利潤預測下調4%至5%,淨利潤則下調12%至23%,並將其目標價由30美元下調至27美元,維持「買入」評級。(ca/w)
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