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INCOME TAXES - Components of the deferred tax assets and deferred tax liabilities (Details) - CNY (¥)
¥ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Deferred tax assets    
Guarantee liabilities ¥ 571,232 ¥ 2,017,547
Provision for loan losses 2,238,472 1,735,395
Depreciation of land use rights 66,999 55,539
Net operating loss carry forwards 77,475 78,356
Others 11,694 12,500
Gross deferred tax assets 2,965,872 3,899,337
Valuation allowance on deferred tax assets (116,462) (116,174)
Total deferred tax assets 2,849,410 3,783,163
Uncollected revenues (1,533,009) (2,841,099)
Withholding income tax (254,955) (173,305)
Others (1,662) (1,869)
Total deferred tax liabilities (1,789,626) (3,016,273)
Net deferred tax assets 1,059,784 766,890
Allowance for deferred tax assets 116,462 ¥ 116,174
Net operating loss carryforward ¥ 240,563  
Withholding income tax rate on dividends (as a percent) 10.00%  
Minimum withholding income tax rate on dividends (as a percent) 5.00%  
Direct ownership percentage threshold 25.00%  
Payment of withholding income tax (net of tax refund) ¥ 200,550  
Undistributed foreign earnings 254,955  
Unrecognized deferred tax liabilities ¥ 804,294  
Unrecognized tax benefits, impact effective tax rate percentage 5.00%  
Percentage of deferred tax liabilities on retained earnings which are anticipated to be distributed 5.00%  
Pillar two model, global minimum tax rate 15.00%