v3.25.4
Consolidated Statements of Comprehensive Income - CNY (¥)
¥ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Income Statement [Line Items]      
Technology platform-based income ¥ 8,161,022 ¥ 15,318,744 ¥ 29,214,613
Net interest income 12,311,328 13,112,128 18,681,936
Guarantee income 3,579,672 4,392,376 7,372,509
Other income 1,507,897 1,390,902 1,840,234
Investment income/(losses) (1,045,820) 79,976 512,818
Share of net losses of investments accounted for using the equity method (691) (5,416) (218)
Total income 24,513,408 34,288,710 57,621,892
Total expenses      
Sales and marketing expenses (5,406,371) (9,888,675) (15,764,682)
General and administrative expenses (2,023,650) (2,350,043) (2,885,022)
Operation and servicing expenses (5,034,010) (6,192,537) (6,922,178)
Technology and analytics expenses (1,177,697) (1,405,800) (1,897,365)
Credit impairment losses (12,612,907) (12,695,662) (16,512,295)
Asset impairment losses 0 (31,246) (427,108)
Finance costs (84,819) (349,240) (1,172,782)
Other gains - net (252,639) 212,958 5,402
Total expenses (26,592,093) (32,700,245) (45,576,030)
Profit before income tax expenses (2,078,685) 1,588,465 12,045,862
Less: Income tax expenses (1,524,830) (635,367) (4,187,776)
Net profit for the year (3,603,515) 953,098 7,858,086
Net profit/(loss) attributable to:      
Owners of the Company (3,870,620) 809,624 7,777,336
Non-controlling interests 267,105 143,474 80,750
Net profit for the year (3,603,515) 953,098 7,858,086
Items that may be reclassified to profit or loss in subsequent periods      
-Exchange differences on translation of foreign operations (28,584) (54,409) (289,599)
-Changes in the fair value of financial assets at fair value through other comprehensive income (1,058) 0 0
Items that will not be reclassified to profit or loss in subsequent periods      
-Exchange differences on translation of foreign operations to the presentation currency (90,199) (410,572) (1,291,250)
Other comprehensive income (119,841) (464,981) (1,580,849)
Total comprehensive income/(loss) for the year (3,723,356) 488,117 6,277,237
Total comprehensive income/(loss) attributable to:      
Owners of the Company (3,990,276) 344,034 6,196,084
Non-controlling interests 266,920 144,083 81,153
Total comprehensive income/(loss) for the year ¥ (3,723,356) ¥ 488,117 ¥ 6,277,237
Earnings per share (expressed in RMB per share)      
-Basic earnings/(losses) per share   ¥ 0.71 ¥ 6.79
-Diluted earnings per share   0.71 6.78
-Basic earnings per ADS ¥ (5.54) 1.42 13.58
-Diluted earnings per ADS (5.54) 1.42 13.56
Ordinary shares [member]      
Earnings per share (expressed in RMB per share)      
-Basic earnings/(losses) per share (2.77) 0.71 6.79
-Diluted earnings per share ¥ (2.77) ¥ 0.71 ¥ 6.78