|
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
|
|
|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||
| Cash and cash equivalents | ||||||||
| Restricted cash, net of allowance for credit losses of RMB241,398 and RMB313,985 as of December 31, 2024 and 2025, respectively (including RMB527,457,300 and RMB823,346,358 from Consolidated Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Accounts receivable and contract assets, net of allowance for credit losses of RMB24,172,284 and RMB192,376,932 as of December 31, 2024 and 2025, respectively (including RMB37,373,243 and RMB52,994,846 from Consolidated Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Total accounts receivable and contract assets, net of allowance for credit losses of RMB24,172,284 and RMB192,376,932 as of December 31, 2024 and 2025, respectively (including RMB37,373,243 and RMB52,994,846 from Consolidated Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Loans receivable from Xiaoying Credit Loans and other loans, net of allowance for credit losses of RMB175,820,629 and RMB236,233,265 as of December 31, 2024 and 2025, respectively (including RMB2,916,966,912 and RMB3,540,930,299 from Consolidated Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Xiaoying Credit Loans And Revolving Loans | ||||||||
| Xiaoying Housing Loan | ||||||||
| Loans at fair value (including RMB 120,279,612 and nil from Consolidated Trusts and Partnerships as of December 31, 2022 and 2023, respectively) | ||||||||
| Deposits to institutional cooperators, net of allowance for credit losses of RMB 5,871,290 and RMB 5,096,518 as of December 31, 2024 and 2025, respectively | ||||||||
| Prepaid expenses and other current assets | ||||||||
| Financial guarantee derivative | ||||||||
| Deferred tax assets, net | ||||||||
| Long-term investments | ||||||||
| Financial investments (amortized cost of RMB141,685,928 and RMB390,931,941 and allowance for credit losses of nil and nil related to investments accounted under AFS model as of December 31, 2024 and 2025, respectively) | ||||||||
| Property and equipment, net | ||||||||
| Intangible assets, net | ||||||||
| Other non-current assets | ||||||||
| TOTAL ASSETS | ||||||||
| LIABILITIES | ||||||||
| Payable to investors and institutional funding partners at amortized cost (including RMB2,184,085,667 and RMB3,054,981,462 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Payable to investors at fair value (including RMB 141,288,810 and nil from the Consolidated VIEs, Trusts and Partnerships, without recourse to the Company as of December 31, 2022 and 2023, respectively) | ||||||||
| Contingent guarantee liabilities | ||||||||
| Total contingent guarantee liabilities | ||||||||
| Financial guarantee derivative | ||||||||
| Deferred guarantee income | ||||||||
| Short-term borrowings (including RMB 20,000,000 and RMB 320,000,000 from the Consolidated VIEs, Trusts and Partnerships, without recourse to the Company as of December 31, 2022 and 2023, respectively) | ||||||||
| Short-term borrowings (including RMB10,000,000 and RMB130,000,000 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Accrued payroll and welfare (including RMB18,482,497 and RMB11,482,779 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Other taxes payable (including RMB119,683,947 and RMB58,251,812 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Income taxes payable (including RMB174,425,660 and RMB169,015,224 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Deposit payable to channel cooperators | ||||||||
| Dividend payable | ||||||||
| Accrued expenses and other current liabilities (including RMB94,825,511 and RMB163,383,863 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Deferred tax liabilities(including nil and RMB47,145,390 from the consolidated VIEs, without recourse to the Company as of December 31, 2017 and 2018 respectively) | ||||||||
| Other non-current liabilities (including nil and RMB2,252,921 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| Deferred tax liabilities (including RMB642,602 and RMB1,051,597 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) | ||||||||
| TOTAL LIABILITIES | ||||||||
| Equity: | ||||||||
| Common shares (US$0.0001 par value; 1,000,000,000 shares authorized as of December 31, 2024 and 2025; 329,117,943 and 329,117,943 shares issued as of December 31, 2024 and 2025; 250,678,439 and 234,517,901 shares outstanding as of December 31, 2024 and 2025) | ||||||||
| Treasury stock (78,439,504 and 94,600,042 shares as of December 31, 2024 and 2025) | ||||||||
| Additional paid-in capital | ||||||||
| Retained earnings | ||||||||
| Other comprehensive income | ||||||||
| TOTAL EQUITY | ||||||||
| TOTAL LIABILITIES AND EQUITY | ||||||||
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