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FY2025
12 months to Dec 31, 2025
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FY2024
12 months to Dec 31, 2024
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FY2023
12 months to Dec 31, 2023
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FY2022
12 months to Dec 31, 2022
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FY2021
12 months to Dec 31, 2021
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|---|---|---|---|---|---|
| Operating revenue | |||||
| Credit facilitation service income | |||||
| Tech-empowerment service income | |||||
| Installment e-commerce platform service | |||||
| Total operating revenue | |||||
| Operating cost: | |||||
| Cost of sales | |||||
| Funding cost | |||||
| Processing and servicing cost (including collection service fee from related parties of RMB14,753, RMB35,561 and RMB40,314 for the years ended December 31, 2023, 2024 and 2025, respectively) | |||||
| Provision for financing receivables | |||||
| Provision for contract assets and receivables | |||||
| Provision for contingent guarantee liabilities | |||||
| Total operating cost | |||||
| Gross profit | |||||
| Operating expenses: | |||||
| Sales and marketing expenses | |||||
| Research and development expenses | |||||
| General and administrative expenses | |||||
| Total operating expenses | |||||
| Change in fair value of financial guarantee derivatives, net | |||||
| Change in fair value of loans at fair value | |||||
| Change in fair value of financial guarantee derivatives and loans at fair value | |||||
| Interest expense, net | |||||
| Investment-related impairment | |||||
| Investment loss | |||||
| Others, net | |||||
| Income before income tax | |||||
| Income tax expense | |||||
| Net income | |||||
| Net income attributable to ordinary shareholders of the Company | |||||
| Net income per ordinary share attributable to ordinary shareholders of the Company | |||||
| Basic | |||||
| Ordinary shares | |||||
| ADS | |||||
| Diluted | |||||
| Ordinary shares | |||||
| ADS | |||||
| Total diluted | |||||
| Weighted average number of ordinary shares outstanding | |||||
| Basic | |||||
| Diluted | |||||
| Share-based compensation expenses | |||||
| Processing and servicing cost | |||||
| Sales and marketing expenses | |||||
| Research and development expenses | |||||
| General and administrative expenses | |||||
| Total share-based compensation expenses | |||||
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