|
Q4 FY2025
As of Dec 31, 2025
|
Q4 FY2024
As of Dec 31, 2024
|
Q4 FY2023
As of Dec 31, 2023
|
Q4 FY2022
As of Dec 31, 2022
|
Q4 FY2021
As of Dec 31, 2021
|
Q4 FY2020
As of Dec 31, 2020
|
Q4 FY2019
As of Dec 31, 2019
|
Q4 FY2018
As of Dec 31, 2018
|
Q4 FY2017
As of Dec 31, 2017
|
|
|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||
| Current assets | |||||||||
| Cash and cash equivalents | |||||||||
| Restricted cash | |||||||||
| Restricted term deposit | |||||||||
| Short-term investments | |||||||||
| Short-term financing receivables, net of allowance for credit losses of RMB102,124 and RMB198,694 as of December 31, 2024 and December 31, 2025, respectively | |||||||||
| Accrued interest receivable, net of allowance for credit losses of RMB1,681 and RMB1,367 as of December 31, 2020 and December 31, 2021, respectively | |||||||||
| Short-term contract assets and receivables, net of allowance for credit losses of RMB409,590 and RMB259,054 as of December 31, 2024 and December 31, 2025, respectively | |||||||||
| Deposits to insurance companies and guarantee companies | |||||||||
| Prepayments and other current assets | |||||||||
| Amounts due from related parties | |||||||||
| Inventories, net | |||||||||
| Total current assets | |||||||||
| Non-current assets | |||||||||
| Restricted cash | |||||||||
| Long-term financing receivables, net of allowance for credit losses of RMB1,820 and RMB3,723 as of December 31, 2024 and December 31, 2025, respectively | |||||||||
| Long-term contract assets and receivables, net of allowance for credit losses of RMB30,919 and RMB14,569 as of December 31, 2024 and December 31, 2025, respectively | |||||||||
| Property, equipment and software, net | |||||||||
| Land use rights, net | |||||||||
| Long‑term investments | |||||||||
| Deferred tax assets | |||||||||
| Other assets, net of allowance of credit losses of RMB 231,446 and RMB 227,747 as of December 31, 2024 and December 31, 2025, respectively (including share subscription prepayment to related party of nil and RMB38,091 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Total non-current assets | |||||||||
| TOTAL ASSETS | |||||||||
| LIABILITIES | |||||||||
| Current liabilities | |||||||||
| Accounts payable (including amounts of the consolidated VIEs of RMB72,698 and RMB99,703 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Amounts due to related parties(including amounts of the consolidated VIEs of RMB10,927 and RMB8,708 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Short-term borrowings and current portion of long-term borrowings (including amounts of the consolidated VIEs of RMB331,281 and RMB592,196 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Short-term funding debts (including amounts of the consolidated VIEs of RMB2,754,454 and RMB2,440,685 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Accrued interest payable (including amounts of the consolidated VIEs of RMB26,972 and RMB15,900 as of December 31, 2020 and December 31, 2021, respectively) | |||||||||
| Deferred guarantee income (including amounts of the consolidated VIEs of RMB786,793 and RMB968,405 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Contingent guarantee liabilities (including amounts of the consolidated VIEs of RMB876,614 and RMB438,837 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Accruals and other current liabilities(including amounts of the consolidated VIEs of RMB2,790,265 and RMB3,655,306 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Convertible notes | |||||||||
| Total current liabilities | |||||||||
| Non-current liabilities | |||||||||
| Long-term borrowings(including amounts of the consolidated VIEs of RMB585,024 and RMB566,015 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Long-term funding debts (including amounts of the consolidated VIEs of RMB1,197,211 and RMB850,590 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Deferred tax liabilities (including amounts of the consolidated VIEs of RMB63,164 and RMB103,470 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Other long-term liabilities(including amounts of the consolidated VIEs of RMB15,646 and RMB4,591 as of December 31, 2024 and December 31, 2025, respectively) | |||||||||
| Total non-current liabilities | |||||||||
| TOTAL LIABILITIES | |||||||||
| Shareholders' equity: | |||||||||
| Ordinary shares | |||||||||
| Class A Ordinary Shares | |||||||||
| Class B Ordinary Shares | |||||||||
| Treasury stock (44,369,636 and 51,843,198 shares as of December 31, 2024 and 2025, respectively) | |||||||||
| Additional paid-in capital | |||||||||
| Statutory reserves | |||||||||
| Accumulated other comprehensive loss | |||||||||
| Retained earnings | |||||||||
| Total shareholders equity | |||||||||
| TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY | |||||||||
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