v3.26.1
ORGANIZATION AND PRINCIPAL ACTIVITIES (Tables)
12 Months Ended
Dec. 31, 2025
ORGANIZATION AND PRINCIPAL ACTIVITIES  
Schedule of significant subsidiaries and its consolidated VIEs

The Company’s significant subsidiaries and its consolidated VIEs as of December 31, 2025 are as follows:

  ​ ​ ​

Date of

  ​ ​ ​

Place of

Incorporation

Incorporation

Subsidiaries

HK Qirui International Technology Limited (“HK Qirui”)

 

June 14, 2018

 

Hong Kong

Shanghai Qiyue Information & Technology Co., Ltd. (“Qiyue”)

 

August 7, 2018

 

PRC

Shanghai Qidi Information Technology Co., Ltd. (“Qidi”)

June 27, 2019

PRC

Beihai Qi’ang Information & Technology Co., Ltd. (“Qi’ang”)

December 27, 2022

PRC

VIEs and VIEs Subsidiaries

 

  ​

 

  ​

Shanghai Qiyu Information & Technology Co., Ltd. (“Qiyu”)

 

July 25, 2016

 

PRC

Fuzhou Qifu Online Microcredit Co., Ltd. (“Fuzhou Microcredit”)

 

March 30, 2017

 

PRC

Fuzhou Qifu Financing Guarantee Co., Ltd. (“Fuzhou Guarantee”)

 

June 29, 2018

 

PRC

Beihai Yunhua Information & Technology Co., Ltd. (“Beihai Yunhua”)

June 16, 2022

PRC

Schedule of financial information of VIEs

  ​ ​ ​

December 31, 

  ​ ​ ​

December 31, 

2024

2025

RMB

RMB

ASSETS

 

  ​

 

  ​

Cash and cash equivalents

 

4,005,463

 

2,995,112

Restricted cash

 

1,581,586

 

1,373,146

Short term investments

222

396,400

Security deposit prepaid to third-party guarantee companies

162,617

325,698

Funds receivable from third party payment service providers

 

462,112

 

848,163

Accounts receivable and contract assets, net

981,541

788,140

Financial assets receivable, net

 

1,553,912

 

1,510,205

Amounts due from related parties

 

3,773

 

Loans receivable, net

 

19,757,480

 

22,281,492

Prepaid expenses and other assets

 

1,286,259

 

417,058

Accounts receivable and contract assets, net-noncurrent

21,538

20,876

Financial assets receivable, net-non current

170,779

209,459

Amounts due from related parties, non-current

14

Loans receivable, net-noncurrent

1,906,174

2,247,803

Property and equipment, net

 

348,706

 

628,112

Land use rights, net

956,738

966,582

Intangible assets

 

2,616

 

1,541

Deferred tax assets

 

1,124,612

 

1,264,975

Other non-current assets

23,256

26,994

Total Assets

 

34,349,398

 

36,301,756

LIABILITIES

 

 

Accrued expenses and other current liabilities

 

2,150,644

 

2,605,314

Amounts due to related parties

 

67,495

 

Short term loans

1,359,601

1,152,891

Guarantee liabilities-stand ready

 

2,383,202

 

2,314,865

Guarantee liabilities-contingent

1,820,350

1,872,149

Income tax payable

618,932

655,112

Other tax payable

17,965

1,572

Deferred tax liabilities

64,395

66,718

Other long-term liabilities

253,136

475,218

Total liabilities

 

8,735,720

 

9,143,839

Year ended

Year ended

Year ended

  ​ ​ ​

December 31, 2023

  ​ ​ ​

December 31, 2024

  ​ ​ ​

December 31, 2025

RMB

RMB

RMB

Net revenue

 

12,902,396

13,826,053

 

15,340,360

Net income

 

3,178,907

6,156,470

 

4,906,407

  ​ ​ ​

Year ended

  ​ ​ ​

Year ended

  ​ ​ ​

Year ended

December 31, 2023

December 31, 2024

  ​ ​ ​

December 31, 2025

RMB

RMB

RMB

Net cash provided by operating activities

 

4,406,482

8,355,774

 

7,739,638

Net cash used in investing activities

 

(11,176,472)

(5,837,683)

 

(5,420,076)

Net cash provided by financing activities

 

721,352

717,857

 

21,898