v3.26.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Consolidated Trusts (Details)
¥ in Thousands, $ in Thousands
1 Months Ended 12 Months Ended
Nov. 30, 2017
Dec. 31, 2025
CNY (¥)
Dec. 31, 2025
USD ($)
Dec. 31, 2024
CNY (¥)
Dec. 31, 2023
CNY (¥)
Dec. 31, 2025
USD ($)
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES            
Asset based Securities, beneficial rights value   ¥ 12,400,000   ¥ 6,800,000 ¥ 6,900,000  
Loans receivable transferred to asset backed securities   9,000,000   8,400,000 5,600,000  
Provision for loan losses   3,625,042   2,773,323 2,151,046  
Loans written off   3,196,230   2,419,180 1,844,349  
ASSETS            
Restricted cash   2,844,101   2,353,384 3,381,107 $ 406,701
Loans receivable, net   34,680,954   26,714,428   4,959,310
Prepaid expenses and other assets   772,999   1,464,586   110,537
Loans receivable, net-noncurrent   4,002,159   2,537,749   572,301
TOTAL ASSETS   56,949,795   48,132,618   8,143,711
LIABILITIES            
Payable to investors of the consolidated trusts-current   9,922,559   8,188,454   1,418,907
Accrued expenses and other current liabilities   2,935,726   2,492,921   419,803
Payable to investors of the consolidated trusts-noncurrent   9,930,000   5,719,600   1,419,971
Total liabilities   32,792,752   23,886,399   $ 4,689,301
Net revenue   19,205,059 $ 2,746,287 17,165,656 16,290,027  
Net cash provided by operating activities   11,083,748 1,584,956 9,343,311 7,118,350  
Net Cash provided by (used in) Investing Activities   (13,082,044) (1,870,707) (7,994,081) (11,147,789)  
Net cash from provided by (used in)financing activities   ¥ 2,783,865 $ 398,087 (2,114,463) 1,066,458  
Minimum            
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES            
Term of the plan   1 year 1 year      
Maximum            
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES            
Term of the plan   2 years 2 years      
Shanghai Stock Exchange | Listing And Transferring Assets Based Securities            
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES            
Asset based Securities, maximum issue scale   ¥ 8,100,000   6,100,000 7,000,000  
Shenzhen Stock Exchange | Listing And Transferring Assets Based Securities            
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES            
Asset based Securities, maximum issue scale   9,000,000   7,300,000 5,500,000  
National Association of Financial Market Institutional Investors | Listing And Transferring Assets Based Securities            
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES            
Asset based Securities, maximum issue scale   4,300,000   1,800,000    
Consolidated Trusts            
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES            
Payable to investors of the consolidated trusts   8,867,548   8,138,167    
Payable to investors of the consolidated trusts - noncurrent   9,930,000   5,719,600    
Repurchase of delinquent loans   2,291,427   1,643,309    
Repurchase of performing loans upon liquidation of consolidated trusts   11,421   11,615    
Provision for loan losses   1,697,718   798,886 766,551  
Loans written off   855,416   658,030 759,223  
ASSETS            
Restricted cash   1,470,555   771,798    
Loans receivable, net   12,399,462   6,956,948    
Prepaid expenses and other assets   108,174   109,428    
Loans receivable, net-noncurrent   1,754,356   631,575    
TOTAL ASSETS   15,732,547   8,469,749    
LIABILITIES            
Payable to investors of the consolidated trusts-current   9,922,559   8,188,454    
Accrued expenses and other current liabilities   15,436   13,455    
Other tax payable       50,719    
Payable to investors of the consolidated trusts-noncurrent   9,930,000   5,719,600    
Total liabilities   19,867,995   13,972,228    
Net revenue   3,035,144   2,470,358 2,350,404  
Net income   1,156,539   1,121,050 948,139  
Net cash provided by operating activities   2,741,847   1,946,359 1,664,700  
Net Cash provided by (used in) Investing Activities   (8,193,363)   1,195,793 110,926  
Net cash from provided by (used in)financing activities   ¥ 5,939,781   ¥ 1,393,467 ¥ 1,939,011  
Percentage of consolidated revenues   16.00% 16.00% 14.00% 14.00%  
Percentage of consolidated total assets   28.00% 28.00% 18.00%    
Percentage of consolidated total liabilities   61.00% 61.00% 58.00%    
Consolidated Trusts | Minimum            
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES            
Repurchase of loans delinquent period 60 days          
Consolidated Trusts | Maximum            
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES            
Repurchase of loans delinquent period 90 days