陆金所开盘“破发”，盘初跌幅超11%

第一财经YiMaga...2020-10-30

10月30日，陆金所正式在美国纽约交易所挂牌交易。陆金所IPO定价13.5美元，开盘报11.75美元。截至发稿，跌超11%，最高12.11美元。陆金所此次领先蚂蚁集团和京东数科，成为第一个登陆资本市场的中国金融科技巨头。同时，陆金所也是继平安好医生和金融壹账通之后，平安集团第三家登陆资本市场的科技独角兽。根据中国平安三季报显示，在金融服务生态圈，陆金所控股保持稳健增长。截至9月末，陆金所控股客户...

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精彩评论

Victory1688
2020-11-01
Victory1688
陆金所破发，蚂蚁会不会也破发？
芭非特
2020-10-31
芭非特
碰巧大市不好而已，营业额是蚂蚁1/3，市值是蚂蚁1/10，如果蚂蚁还不贵的话，陆金所不是更有潜力吗？而且还有那么多平安的客户有待开发。
plaispool
2020-10-31
plaispool
破发是必然的，因为定价高呀，留给二级市场的空间就没有了
当当的
2020-10-31
当当的
第一个上市的金融科技公司是宜信的宜人贷宜人金科啊，怎么可能是陆金所
华尔街小街
2020-10-31
华尔街小街
很期待蚂蚁破发
wdada
2020-10-31
wdada
为什么不早说
- 聚财虎:
  现在还来得及 [龇牙]
- 聚财虎:
  估计是打新蚂蚁去了

发表看法

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33.6%。获客费用是销售市场费用的主要组成部分，根据中泰证券的测算，2018年至今陆金所零售信贷业务的获客成本约为4000元/客。与此同时，其新客户数量并没有同步新增。相反，2018年至2019年，陆金所新增信贷借款者的数量从280万人下降到了210万人，2020年上半年，新增借款者数量又进一步下降到了100万人。随着互联网上的个人用户逐渐远离陆金所的App，陆金所的风控师想要用数据为借款者建模的想法也越来越不实际。中泰证券推断陆金所在疫情期间的逾期情况较为严重，根据是2020年上半年，陆金所在财务报表上列出了11.5 亿元的信贷减值。陆金所唯一超越蚂蚁的地方可能在于其够高的息差。根据招股书，陆金所存量无抵押合同和有抵押合同的年化率分别为29%和17% 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