Today, Hejin Finance obtained a material showing that the financial data of 28 companies in the consumer finance industry in 2023 has been released.
Among them, Zhaolian Consumer Finance still took the lead, with a net profit of up to 3.6 billion yuan and an operating income of 19.6 billion0.2 billion yuan, total assets of 17642.1 billion;
But in fact, the total asset scale and operating income are far ahead of the industry in Ant Consumer Finance.
Among them, Ant Consumer Finance's net profit in 2023 is 15.2 billion, but the operating income reached a staggering 862.9 billion, the total assets are undoubtedly the first in the industry, how much 23966.9 billion yuan.
Although the net profit does not seem to be much, with the continuous loading of borrowing and Huabei assets, Ant Money's net profit in 2023 will still have a lot of room to release in terms of operating income alone.
In fact, since 2021, Ant Consumer Finance has made a lot of moves, fully retracting traffic on Alipay and shrinking its peers**.
In recent years, Alipay's financial flow has shrunk in an all-round way, suspending access to new institutions, and at the same time strictly restricting the flow of consumer finance, small loans, financial leasing and other financial competing industry accounts, as well as deducting points and removing them.
Due to the differences in the financial data of various consumer financial institutions in terms of provision coverage ratio and loan risk provision, the net profit data may be large and cannot be directly compared horizontally.
From the perspective of comprehensive strength, among the 28 consumer finance companies with financial data, a new pattern has been established
Ant Consumption has become a well-deserved first place, and the others are the top three of Zhaolian Consumer Finance, Industrial Consumer Finance, and Immediate Consumer Finance. The total assets of Immediately and Industrial are less than 100 billion yuan, but they have very strong earning ability.
It is worth mentioning that the net profit of Hangzhou Bank and Changyin 58 has increased significantly, which has exceeded that of China Post Consumer Gold. Among them, the net profit of Hangzhou Bank Consumer Finance in 2023 will reach 80.2 billion, ranking among the top five in net profit, and the total assets grew rapidly to 4961.7 billion, rapid progress.
In addition, Ping An Consumption, which has come from behind, has also given full play to the advantages of Ping An Puhui, with an output scale of 40.5 billion yuan and a net profit of 4 billion yuan by the end of 2023900 million.
In 2023, when there is a shortage of assets, the situation of the consumer finance industry will be further severe, and polarization will become more and more obvious. But every year there is no shortage of unexpected dark horse institutions, and in 2024, there may be a new situation.