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金融IT头部企业,软件信创可期
深耕银行业,赋能金融科技。公司以大数据、云计算、人工智能、区块链、隐私计算及5G应用为引领,为客户提供盘庚测试平台、影像及流程管理类、大数据类、AI人工智能类、基础技术平台等通用软件产品,还可为银行、保险、证券、信托、基金、理财、金融租赁等金融行业客户提供运营类、渠道类、资产管理及同业类、供应链金融及信贷类、风险及合规管理类、数字化管理与创新服务等金融行业解决方案。公司可满足客户对软件开发服务、软件测试服务、IT运维服务、数据及业务处理服务、数字化营销及客户服务在内的多层次服务需求。
收入突破40亿大关,盈利能力持续提升。2023年,公司积极把握银行业数字化转型和金融信创发展机会,收入突破40亿元大关,达到42.42亿元,同比增长15.48%;实现归母净利润约3.48亿元,同比增长25.44%,净利率提升至8.19%;2024年Q1,公司营收为11.15亿元,同比增长11.55%,归母净利润为4853万元,同比减少20.82%。
公司持续推动业务和产品结构转型、不断巩固并扩大核心客户市场份额的同时挖掘增量业务与增量客户,其重点发力的中小银行和非银金融机构市场实现了较快发展。同时,公司围绕软件产品及解决方案打造第二增长曲线,持续加大研发投入丰富产品矩阵。
加速推进产品提炼,发力第二增长曲线。IT服务和业务流程外包服务作为公司第一增长曲线,持续为公司贡献稳定增长的经营业绩和现金流;软件产品及解决方案作为公司第二增长曲线,成为公司快速拓展中小银行、非银金融机构、非金融机构的敲门砖。公司在服务国有大型商业银行和股份制商业银行客户过程中透过多个应用场景抽象、提炼产品和解决方案,并向中小银行输出。2023年度,公司新增客户49家,其中中小银行客户14家,非银行金融机构客户23家,非金融机构客户12家。伴随客户的快速拓展,其软件产品及解决方案实现营业收入9.35亿元,同比增长24.48%,增速领先公司其它产品线,占公司总收入比例业进一步提升至22.04%。
目前,公司可为客户提供盘庚测试云平台、大数据类、人工智能类、影像及流程管理类、基础技术平台类等通用产品及解决方案,还可为银行、保险、证券等金融行业客户提供运营管理类系统、资产管理系统、同业业务管理系统、风险管理系统、数字人民币统一接入与运管系统等金融行业应用解决方案。
金融信创已进入了全面推进阶段。过去几年大型银行在这方面投入较多,信创的节奏相对领先,个别大行已经到收尾阶段,基本达到验收级别。12家股份制银行整体进度大约比国有大行晚一年左右,中小银行的信创目前正在加速进行中,2025年可能达到最高峰。中小银行受制于自身IT的技术实力和管理水平,在信创方面往往采取跟随策略,招标过程中会重点考虑供应商在行业内同类型项目的交付案例数量。公司过往在服务大型银行信创改造过程中积累了丰富的项目经验,为公司拓展中小型银行的信创业务奠定了基础。
积极拓展大模型在银行业的落地应用。公司目前在银行反欺诈领域、资管领域,以及企业知识助手以及智能测试领域都在积极尝试引入大模型技术,在客户端的部分业务场景已形成了落地案例。公司内部,则实现了开发工程师的降本增效。在AI大模型领域,公司有充足的人才储备和技术储备。我们认为,目前各大行正拥抱大模型在金融场景中的落地,2024年是积极探索年,公司的落地案例有助于打开未来在各大行的AI项目订单。
盈利预测与投资建议。公司深耕金融IT服务领域多年,国有大型商业银行和全国性股份制商业银行作为核心客户是公司稳定增长的基石,并重点发力拓展中小银行业和软件产品及解决方案。我们认为,公司具备稳定增长的发展前景。我们预计,公司2024-2026年营业收入分别为47.74/54.22/62.36亿元,同比增长12.5%/13.6%/15.0%;归母净利润4.15/4.80/5.62亿元,同比增长19.4%/15.6%/17.2%;EPS分别为0.67/0.78/0.91元。参考可比公司,结合公司在金融IT领域的发展态势,以及国有大行的客户群体,给予公司2024年动态22-26倍PE,合理价值区间为14.78-17.46元,首次覆盖,给予“优于大市”评级。
风险提示。金融IT领域的需求不及预期;AI技术进步及应用不及预期;市场竞争加剧。