v3.26.1
Summary of significant accounting policies - Consolidated Trusts (Details)
 12 Months Ended
Dec. 31, 2025
CNY (¥)
Dec. 31, 2025
USD ($)
Dec. 31, 2024
CNY (¥)
Dec. 31, 2023
CNY (¥)
Dec. 31, 2025
USD ($)
Assets:          
Cash and cash equivalents ¥ 987,630,978   ¥ 984,611,409 ¥ 1,195,351,730 $ 141,229,352
Restricted cash 1,145,962,320   676,793,411   163,870,432
Accounts receivable and contract assets, net 3,145,975,681   2,029,550,471   449,868,539
Financial investments 1,243,076,254   513,475,537   177,757,540
Loan receivable from Xiaoying, net 5,298,631,388   4,828,316,995   757,694,211
Deposits to institutional cooperators, net 1,713,593,362   1,958,297,244   245,040,592
Prepaid expenses and other current assets, net 43,546,807   34,078,494   6,227,111
Financial guarantee derivative assets, Fair value 0   1,038,258   0
Deferred tax assets, net 543,516,681   266,462,248   77,721,853
Long-term investments 515,523,849   498,038,310   73,718,930
Property and equipment, net 23,899,556   15,833,490   3,417,591
Intangible assets, net 39,183,115   36,591,969   5,603,111
Other non-current assets 53,363,643   44,951,464   7,630,899
Total assets 14,665,744,467   11,819,289,603   2,097,173,566
Liabilities:          
Payable to investors and institutional funding partners at amortized cost 3,054,981,462   2,184,085,667   436,856,539
Contingent guarantee liabilities 748,306,610   187,640,702   107,006,422
Total amount of Short-term borrowings 409,530,006   328,500,000   58,562,012
Accrued payroll and welfare 76,058,095   94,716,949   10,876,163
Other taxes payable 221,939,999   279,994,194   31,736,998
Income taxes payable 677,521,066   591,491,126   96,884,224
Accrued expenses and other current liabilities 1,041,055,440   929,490,436   148,868,948
Deferred tax liabilities 69,672,705   65,958,569   9,963,064
Other non-current liabilities 34,806,908   27,516,391   4,977,322
Total liabilities 6,828,943,830   4,866,134,961   976,525,980
Net Income (Loss) 1,464,552,224 $ 209,428,183 1,539,905,765 1,186,793,974  
Net cash provided by operating activities 1,467,544,503 209,856,075 1,523,386,291 1,391,444,390  
Net cash (used in) provided by investing activities (1,066,291,102) (152,477,599) 122,034,285 (1,683,641,707)  
Net cash provided by (used in) financing activities 79,244,511 11,331,815 (1,935,176,217) 1,227,458,379  
Xiaoying Credit Loans and other loans          
Assets:          
Loan receivable from Xiaoying, net 5,298,631,388   4,828,316,995   757,694,211
One of the subsidiaries          
Assets:          
Loan receivable from Xiaoying, net 35,105,859   145,742,384    
Consolidated Trusts          
Assets:          
Restricted cash 823,346,358   527,457,300   117,736,963
Accounts receivable and contract assets, net 52,994,846   37,373,243   7,578,162
Total assets 4,417,271,503   3,481,797,455   631,661,423
Liabilities:          
Payable to investors and institutional funding partners at amortized cost 3,054,981,462   2,184,085,667   436,856,539
Other taxes payable 8,183,816   3,265,159   1,170,270
Accrued expenses and other current liabilities 36,870,429   18,335,260   5,272,401
Total liabilities 3,100,035,707   2,205,686,086   443,299,210
Net revenue 710,088,399 101,541,291 744,531,819 726,005,363  
Net Income (Loss) 528,039,683 75,508,670 494,604,464 458,613,718  
Net cash provided by operating activities 541,420,132 77,422,048 550,953,578 172,210,364  
Net cash (used in) provided by investing activities (623,481,667) (89,156,693) 664,702,231 (673,734,777)  
Net cash provided by (used in) financing activities 865,347,569 $ 123,743,057 (1,399,955,090) ¥ 814,841,744  
Consolidated Trusts | Xiaoying Credit Loans and other loans          
Assets:          
Loan receivable from Xiaoying, net 3,540,930,299   2,916,966,912   506,346,298
Consolidated Trusts | One of the subsidiaries          
Liabilities:          
Loans at fair value ¥ 768,500,000   ¥ 737,200,000    
VIEs and Consolidated Trusts          
Liabilities:          
Percentage of consolidated revenues 25.00% 25.00% 31.00% 31.00%  
Percentage of consolidated total assets 48.00% 48.00% 53.00%    
Percentage of consolidated total liabilities 53.00% 53.00% 53.00%    
Consolidated variable interest entities, trusts and partnerships          
Assets:          
Cash and cash equivalents ¥ 107,519,437   ¥ 180,683,740   15,375,075
Restricted cash 823,463,489   532,603,866   117,753,713
Accounts receivable and contract assets, net 108,186,142   74,750,686   15,470,413
Financial investments 33,908,236   33,428,162   4,848,813
Prepaid expenses and other current assets, net 20,150,470   19,491,239   2,881,479
Deferred tax assets, net 184,952,280   174,395,511   26,447,824
Long-term investments 515,523,849   498,038,310   73,718,930
Property and equipment, net 4,621,210   1,138,186   660,824
Intangible assets, net 27,499,276   27,706,487   3,932,344
Other non-current assets 3,573,473   21,976   511,000
Total assets 7,092,906,800   6,317,385,140   1,014,272,183
Liabilities:          
Payable to investors and institutional funding partners at amortized cost 3,054,981,462 [1]   2,184,085,667 [1]   436,856,539
Total amount of Short-term borrowings 130,000,000   10,000,000 [1]   18,589,753
Accrued payroll and welfare 11,482,779 [1]   18,482,497 [1]   1,642,016
Other taxes payable 58,251,812 [1]   119,683,947 [1]   8,329,898
Income taxes payable 169,015,224 [1]   174,425,660 [1]   24,168,856
Accrued expenses and other current liabilities 163,383,863 [1]   94,825,511 [1]   23,363,582
Deferred tax liabilities 1,051,597 [1]   642,602 [1]   150,376
Other non-current liabilities 2,252,921 [1]   0 [1]   322,163
Total liabilities 3,590,419,658   2,602,145,884   513,423,183
Net revenue 1,931,618,562 $ 276,217,781 1,809,619,313 ¥ 1,500,275,059  
Net Income (Loss) 687,071,274 98,249,886 623,964,980 438,091,276  
Net cash provided by operating activities 507,365,227 72,552,262 1,517,583,263 628,719,431  
Net cash (used in) provided by investing activities (828,175,085) (118,427,462) (106,448,449) (1,251,376,124)  
Net cash provided by (used in) financing activities 875,347,569 $ 125,173,038 (1,709,955,090) ¥ 1,114,841,744  
Consolidated variable interest entities, trusts and partnerships | Xiaoying Credit Loans and other loans          
Assets:          
Loan receivable from Xiaoying, net ¥ 5,263,508,938   ¥ 4,775,126,977   $ 752,671,768
[1] The liabilities of the Consolidated VIEs, Trusts and Partnerships for which creditors do not have recourse to the general credit of the Company.