51 Credit Card Manager
51 Credit Card Manager is a Hong Kong Stock Exchange-listed (HKEX: 2051) Hangzhou-based personal finance platform providing integrated credit card management, consumer lending, and investment services to Chinese consumers via its u51.com application.
- Company typePublic
- Founded2012
- HeadquartersHangzhou, China
- Headcount251–500
- GTM typeB2C
- OfferingServices
What 51 Credit Card Manager does
51 Credit Card Manager (51信用卡) is a Hangzhou-based personal finance platform founded in 2012 and listed on the Hong Kong Stock Exchange under ticker hkg:2051. Operating through u51.com, the company delivers an integrated stack of credit card management, lending, and investment services aimed at Chinese consumers. Its flagship product is a credit card management application that aggregates card balances, schedules bill repayments, and surfaces related financial products; the company explicitly positions itself as a unified platform spanning credit, lending, and investment verticals rather than a single-purpose tool.
The company scaled through six disclosed funding rounds between 2012 and 2016, raising approximately $459 million in aggregate from a roster of investors that includes GGV Capital, JD.com, Shunwei Capital, Crystal Stream Capital, SIG China, Huaying Capital, Meridian Capital Asia, Tiantu Capital, Xinhu Zhongbao, Guosen H&S Investments, Harvest Capital, and Yintai Group. In April 2017, it expanded its service portfolio via the acquisition of YACOL.com for approximately $159.6 million. Leadership comprises CEO Haitao Sun, CFO Cheke Zhao, and CTO Wei Guo, and the workforce is sized at 251–500 employees. Business-model mechanics across credit card management, personal lending, and consumer investment services are described functionally but not broken out by revenue stream, segment, or pricing tier in the available data.
Recent reported financials indicate severe operational stress. Headline revenue (as printed in the input) fell from approximately $67.5B in 2021 to $32.9B in 2025, with deeply negative EBITDA ($-7.9B in 2025), operating losses of $-13.0B, and net income of $-21.5B; the line-item magnitudes appear anomalously large for a 251–500-employee operation and likely reflect non-standard units or denomination conventions (potentially total facilitated credit volume rather than recognized revenue), but the directional signal of steep decline and persistent losses is unambiguous. No funding activity has been disclosed since October 2016, raising questions about the sustainability of the current operating and financial trajectory.
51 Credit Card Manager firmographics
Firmographics- Name
- 51 Credit Card Manager
- Legal name
- 51 Credit Card Manager
- Website
- https://u51.com
- Company type
- Public
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- 51 Credit Card Manager is a Hong Kong Stock Exchange-listed (HKEX: 2051) Hangzhou-based personal finance platform providing integrated credit card management, consumer lending, and investment services to Chinese consumers via its u51.com application.
- Ownership category
- akta.pro rank
51 Credit Card Manager industry classification
Industry- Product category
- Consumer Financial Services
- NAICS
- Credit Card Issuing (522210), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)
- akta.pro secondary industry
- Subprime / Credit-Building Credit Cards (FSAKABAJ)
Keywords
Where 51 Credit Card Manager is headquartered
LocationHeadquarters
- HQ city
- Hangzhou
- HQ country
- China
- HQ region
- Asia
Markets served
51 Credit Card Manager business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
51 Credit Card Manager product offering
Product offeringCore offering
51 Credit Card Manager operates an integrated online consumer finance platform that provides credit card bill management, personal lending, and investment services to individual users in China. Its flagship offering is a credit card management application that lets consumers track multiple cards, manage repayments, and access adjacent credit and investment products under the publicly listed u51.com platform.
Product overview
51 Credit Card Manager operates as a unified platform offering credit card management, lending, and investment services. The company is listed on the Hong Kong Stock Exchange and provides these comprehensive financial services through its website at u51.com.
Differentiator
Problem solved
Functional benefit
Products and services
- 51 Credit Card Manager Hong Kong Stock Exchange listed financial services platform providing integrated credit card management, lending, and investment services to individual consumers in China through the u51.com website and mobile app.
Companies that use 51 Credit Card Manager
Customer profileIdeal customer profiles1 record
51 Credit Card Manager technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
51 Credit Card Manager partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights3 records
51 Credit Card Manager competitors and assessment
Company assessmentDirect peers
- Lufax Holding: Hong Kong-/US-listed Chinese fintech providing retail lending and wealth management to consumers; closely comparable business mix (consumer credit plus investment) and regulatory exposure to 51 Credit Card Manager.
- Yixin Group: NYSE-listed Chinese online consumer-finance platform (auto and retail); comparable as a publicly traded Chinese consumer-credit fintech serving individual borrowers through a digital platform.
- LexinFintech Holdings: NASDAQ-listed Chinese consumer finance fintech serving young, emerging borrowers; directly comparable technology stack, target customer, and post-P2P-crackdown trajectory.
- Qifu Technology: NASDAQ-listed Chinese online consumer lender spun out of 360 Finance; highly comparable as a digital, tech-led Chinese consumer credit issuer competing for the same borrowers.
- PPDAI Group: Chinese P2P-to-online consumer lender historically listed in the U.S.; relevant due to shared P2P lending origins and similar post-regulation business transition.
Broad incumbents
- Ant Group: Alibaba-affiliated Chinese fintech super-app spanning payments, consumer credit (Huabei/Jiebei), and wealth management; overlaps broadly with 51's lending and investment lines as a much larger incumbent.
- Ping An OneConnect Bank: Hong Kong-listed digital banking/fintech arm of Ping An, offering consumer credit, lending, and tech services to financial institutions; comparable as a large incumbent Chinese consumer-finance platform.
- Tencent WeBank: Tencent-affiliated Chinese digital bank providing WeChat-embedded consumer credit and small-business loans; comparable in distribution and regulatory standing, though at vastly greater scale.
- CreditEase (Yirendai): Established Chinese online consumer-finance group historically linked to P2P (Yirendai); comparable as a legacy Chinese credit platform that navigated the post-P2P regulatory transition.
Emerging players
- Xueqiu (Snowball): China-focused retail investment information and community platform; partially comparable to 51's investment-services line, but more narrow (no credit-card or lending offering).
Market position
Strengths3 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
51 Credit Card Manager financial estimates
Financial estimateRevenue estimate
Valuation estimate
51 Credit Card Manager leadership team
Management profileNumber of profiles
Profiles3 records
51 Credit Card Manager funding detail
Funding detailFunding overview
Funding rounds6 records
Investors12 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
51 Credit Card Manager M&A and investment
M&A and investmentM&A1 record
Investments15 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 51 Credit Card Manager
What does 51 Credit Card Manager do?
51 Credit Card Manager operates an integrated online consumer finance platform that provides credit card bill management, personal lending, and investment services to individual users in China. Its flagship offering is a credit card management application that lets consumers track multiple cards, manage repayments, and access adjacent credit and investment products under the publicly listed u51.com platform.
Is 51 Credit Card Manager a public or private company?
51 Credit Card Manager is a public company. It is classified as public and is currently operating.
When was 51 Credit Card Manager founded?
51 Credit Card Manager was founded in 2012. It employs 251 to 500 people.
Where is 51 Credit Card Manager based?
51 Credit Card Manager is headquartered in Hangzhou, China, in the Asia region.
Who are 51 Credit Card Manager's main competitors?
Direct peers on record are Lufax Holding, Yixin Group, LexinFintech Holdings, Qifu Technology and PPDAI Group. Broad incumbents are Ant Group, Ping An OneConnect Bank, Tencent WeBank and CreditEase (Yirendai). Xueqiu (Snowball) is listed as an emerging player.
Does 51 Credit Card Manager have an API?
No public API is recorded for 51 Credit Card Manager.
What industry is 51 Credit Card Manager in?
51 Credit Card Manager's product category is Consumer Financial Services. Its primary akta.pro industry code is FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools, with a secondary code of FSAKABAJ, Subprime / Credit-Building Credit Cards. Its NAICS code is 522210 and its SIC code is 6141.