v3.26.1
ORGANIZATION AND PRINCIPAL ACTIVITIES - Financial statement amounts and balances of the VIEs (Details)
¥ in Thousands, $ in Thousands
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 ¥ 4,696,817   ¥ 4,452,416 ¥ 4,177,890 $ 671,636
Restricted cash 2,844,101   2,353,384 3,381,107 406,701
Short term investments 2,852,254   3,394,073   407,867
Security deposit prepaid to third-party guarantee companies 325,698   162,617   46,574
Funds receivable from third party payment service providers 848,163   462,112   121,286
Accounts receivable and contract assets, net 950,267   2,214,530   $ 135,886
Financial assets receivable, net ¥ 1,719,664   1,724,691    
Amounts due from related parties     ¥ 8,510    
Other Receivable, after Allowance for Credit Loss, Current, Related Party [Extensible Enumeration] Related Party [Member]   Related Party [Member]   Related Party [Member]
Loans receivable, net ¥ 34,680,954   ¥ 26,714,428   $ 4,959,310
Prepaid expenses and other assets 772,999   1,464,586   110,537
Accounts receivable and contract assets, net-noncurrent ¥ 21,992   27,132   $ 3,145
Amounts due from related parties, non-current     ¥ 51    
Other Receivable, after Allowance for Credit Loss, Noncurrent, Related Party [Extensible Enumeration] Related Party [Member]   Related Party [Member]   Related Party [Member]
Loans receivable, net-noncurrent ¥ 4,002,159   ¥ 2,537,749   $ 572,301
Property and equipment, net 636,994   362,774   91,089
Land use rights, net 966,582   956,738   138,219
Intangible assets 10,670   11,818   1,526
Deferred tax assets 1,379,933   1,206,325   197,328
Other non-current assets 195,348   36,270   27,934
TOTAL ASSETS 56,949,795   48,132,618   8,143,711
LIABILITIES          
Accrued expenses and other current liabilities 2,935,726   2,492,921   $ 419,803
Amounts due to related parties ¥ 0   ¥ 67,495    
Other Liability, Current, Related Party [Extensible Enumeration] Related Party [Member]   Related Party [Member]   Related Party [Member]
Short term loans ¥ 1,202,891   ¥ 1,369,939   $ 172,011
Guarantee liabilities-stand ready 2,314,865   2,383,202 3,949,601 331,021
Guarantee liabilities-contingent 1,872,149   1,820,350   267,714
Income tax payable 1,083,176   1,040,687   154,892
Deferred tax liabilities 320,149   439,435   45,781
Other long-term liabilities 599,561   255,155   85,736
Total liabilities 32,792,752   23,886,399   $ 4,689,301
Net cash provided by operating activities 11,083,748 $ 1,584,956 9,343,311 7,118,350  
Net cash used in investing activities (13,082,044) (1,870,707) (7,994,081) (11,147,789)  
Net Cash used in Financing Activities 2,783,865 $ 398,087 (2,114,463) 1,066,458  
Consolidated VIEs          
ASSETS          
Cash and cash equivalents 2,995,112   4,005,463    
Restricted cash 1,373,146   1,581,586    
Short term investments 396,400   222    
Security deposit prepaid to third-party guarantee companies 325,698   162,617    
Funds receivable from third party payment service providers 848,163   462,112    
Accounts receivable and contract assets, net 788,140   981,541    
Financial assets receivable, net ¥ 1,510,205   1,553,912    
Amounts due from related parties     ¥ 3,773    
Other Receivable, after Allowance for Credit Loss, Current, Related Party [Extensible Enumeration] Related Party [Member]   Related Party [Member]   Related Party [Member]
Loans receivable, net ¥ 22,281,492   ¥ 19,757,480    
Prepaid expenses and other assets 417,058   1,286,259    
Accounts receivable and contract assets, net-noncurrent 20,876   21,538    
Financial assets receivable, net-non current ¥ 209,459   170,779    
Amounts due from related parties, non-current     ¥ 14    
Other Receivable, after Allowance for Credit Loss, Noncurrent, Related Party [Extensible Enumeration] Related Party [Member]   Related Party [Member]   Related Party [Member]
Loans receivable, net-noncurrent ¥ 2,247,803   ¥ 1,906,174    
Property and equipment, net 628,112   348,706    
Land use rights, net 966,582   956,738    
Intangible assets 1,541   2,616    
Deferred tax assets 1,264,975   1,124,612    
Other non-current assets 26,994   23,256    
TOTAL ASSETS 36,301,756   34,349,398    
LIABILITIES          
Accrued expenses and other current liabilities ¥ 2,605,314   2,150,644    
Amounts due to related parties     ¥ 67,495    
Other Liability, Current, Related Party [Extensible Enumeration] Related Party [Member]   Related Party [Member]   Related Party [Member]
Short term loans ¥ 1,152,891   ¥ 1,359,601    
Guarantee liabilities-stand ready 2,314,865   2,383,202    
Guarantee liabilities-contingent 1,872,149   1,820,350    
Income tax payable 655,112   618,932    
Other tax payable 1,572   17,965    
Deferred tax liabilities 66,718   64,395    
Other long-term liabilities 475,218   253,136    
Total liabilities 9,143,839   8,735,720    
Net revenue 15,340,360   13,826,053 12,902,396  
Net income 4,906,407   6,156,470 3,178,907  
Net cash provided by operating activities 7,739,638   8,355,774 4,406,482  
Net cash used in investing activities (5,420,076)   (5,837,683) (11,176,472)  
Net Cash used in Financing Activities ¥ 21,898   ¥ 717,857 ¥ 721,352  
Percentage of consolidated revenues 80.00% 80.00% 81.00% 79.00%  
Percentage of consolidated total assets 64.00% 64.00% 71.00%    
Percentage of consolidated total liabilities 28.00% 28.00% 37.00%