v3.26.1
Financial Instruments And Risks - Summary of Out The Group's Financial Assets And Financial Liabilities Exposed To Interest Rate Risk (Detail) - CNY (¥)
¥ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
ASSETS        
Bank deposits ¥ 22,086,187 ¥ 29,903,846 ¥ 39,695,914  
Restricted cash 19,035,154 14,132,034    
Financial assets held under resale agreements 1,577,029 657,033    
Financial assets at fair value through profit or loss 34,666,573 20,355,814    
Financial assets at fair value through other comprehensive income 6,182,229 1,156,095    
Financial assets at amortized cost 0 1,499,000    
Accounts and other receivables and contract assets 4,240,132 6,216,650    
Loans to customers 102,290,974 111,508,669    
LIABILITIES        
Payable to platform investors 667,794 721,558    
Borrowings 63,535,913 51,114,575    
Current deposits from customers 9,456,934 3,933,750    
Payable to investors of consolidated structured entities 28,921,222 42,795,624    
Financing guarantee liabilities 5,647,343 4,217,979    
Lease liabilities 259,764 302,867    
Financial assets sold under repurchase agreements 1,662,008 782,459    
Adjustment on correction of errors (net of tax) [member]        
ASSETS        
Financial assets at amortized cost   1,499,000    
Gross carrying amount [member]        
ASSETS        
Bank deposits 22,086,187 29,903,846    
Restricted cash 19,035,154 14,132,034    
Financial assets held under resale agreements 1,577,029 657,033    
Financial assets at fair value through profit or loss 34,666,573 20,355,814    
Financial assets at fair value through other comprehensive income 6,182,229 1,156,095    
Financial assets at amortized cost 1,376,586 2,876,364 ¥ 2,888,532 ¥ 4,568,767
Accounts and other receivables and contract assets 3,081,225 4,698,008    
Loans to customers 102,290,974 111,508,669    
Total financial assets 188,919,371 183,910,499    
LIABILITIES        
Payable to platform investors 667,794 721,558    
Borrowings 63,535,913 51,114,575    
Current deposits from customers 9,456,934 3,933,750    
Accounts and other payables and contract liabilities 3,138,181 2,833,692    
Payable to investors of consolidated structured entities 28,921,222 42,795,624    
Financing guarantee liabilities 5,647,343 4,217,979    
Lease liabilities 259,764 302,867    
Convertible promissory notes payable 6,503,803 6,174,050    
Financial assets sold under repurchase agreements 1,662,008 782,459    
Total financial liabilities 119,792,962 112,876,554    
Total interest rate sensitivity gap 69,126,409 71,033,945    
Not later than three months [member]        
ASSETS        
Bank deposits 12,361,639 13,730,791    
Restricted cash 11,642,624 12,606,465    
Financial assets held under resale agreements 1,576,838 657,001    
Financial assets at fair value through profit or loss 3,008,399 4,848,823    
Financial assets at fair value through other comprehensive income 3,110,541 647,826    
Financial assets at amortized cost   1,499,000    
Accounts and other receivables and contract assets 0 0    
Loans to customers 13,848,878 18,740,577    
Total financial assets 45,548,919 52,730,483    
LIABILITIES        
Payable to platform investors 0 0    
Borrowings 11,297,597 11,126,077    
Current deposits from customers 6,694,151 2,906,107    
Accounts and other payables and contract liabilities 0 0    
Payable to investors of consolidated structured entities 10,393,888 12,719,274    
Financing guarantee liabilities 0 0    
Lease liabilities 47,422 56,162    
Convertible promissory notes payable 0 0    
Financial assets sold under repurchase agreements 1,661,960 782,397    
Total financial liabilities 30,095,018 27,590,017    
Total interest rate sensitivity gap 15,453,901 25,140,466    
Later than three months and not later than one year [member]        
ASSETS        
Bank deposits 4,917,221 4,576,585    
Restricted cash 7,216,198 468,019    
Financial assets held under resale agreements 0 0    
Financial assets at fair value through profit or loss 5,794,487 2,793,141    
Financial assets at fair value through other comprehensive income 2,602,298 390,295    
Financial assets at amortized cost   0    
Accounts and other receivables and contract assets 0 0    
Loans to customers 37,816,633 44,898,185    
Total financial assets 58,346,837 53,126,225    
LIABILITIES        
Payable to platform investors 0 0    
Borrowings 50,373,336 37,633,114    
Current deposits from customers 2,699,338 1,026,951    
Accounts and other payables and contract liabilities 0 0    
Payable to investors of consolidated structured entities 14,321,735 21,581,299    
Financing guarantee liabilities 0 0    
Lease liabilities 104,559 130,705    
Convertible promissory notes payable 6,503,803 0    
Financial assets sold under repurchase agreements 0 0    
Total financial liabilities 74,002,771 60,372,069    
Total interest rate sensitivity gap (15,655,934) (7,245,844)    
Later than one year and not later than two years [member]        
ASSETS        
Bank deposits 2,079,012 7,580,550    
Restricted cash 60,454 953,933    
Financial assets held under resale agreements 0 0    
Financial assets at fair value through profit or loss 1,048,480 1,129,890    
Financial assets at fair value through other comprehensive income 249,826 0    
Financial assets at amortized cost   0    
Accounts and other receivables and contract assets 0 0    
Loans to customers 22,738,076 23,977,895    
Total financial assets 26,175,848 33,642,268    
LIABILITIES        
Payable to platform investors 0 0    
Borrowings 1,447,163 2,000,443    
Current deposits from customers 0 0    
Accounts and other payables and contract liabilities 0 0    
Payable to investors of consolidated structured entities 3,943,001 7,973,593    
Financing guarantee liabilities 0 0    
Lease liabilities 81,864 91,030    
Convertible promissory notes payable 0 6,174,050    
Financial assets sold under repurchase agreements 0 0    
Total financial liabilities 5,472,028 16,205,872    
Total interest rate sensitivity gap 20,703,820 17,436,396    
Later than one year and not later than two years [member] | Adjustment on correction of errors (net of tax) [member]        
LIABILITIES        
Borrowings   1,967,199    
Later than two years and not later than three years [member]        
ASSETS        
Bank deposits 284,955 2,079,228    
Restricted cash 25,370 49,455    
Financial assets held under resale agreements 0 0    
Financial assets at fair value through profit or loss 2,306,388 793,443    
Financial assets at fair value through other comprehensive income 219,564 117,974    
Financial assets at amortized cost   0    
Accounts and other receivables and contract assets 0 0    
Loans to customers 23,972,434 21,407,199    
Total financial assets 26,808,711 24,447,299    
LIABILITIES        
Payable to platform investors 0 0    
Borrowings 0 0    
Current deposits from customers 0 0    
Accounts and other payables and contract liabilities 0 0    
Payable to investors of consolidated structured entities 262,598 521,458    
Financing guarantee liabilities 0 0    
Lease liabilities 23,626 24,766    
Convertible promissory notes payable 0 0    
Financial assets sold under repurchase agreements 0 0    
Total financial liabilities 286,224 546,224    
Total interest rate sensitivity gap 26,522,487 23,901,075    
Later than three years [member]        
ASSETS        
Bank deposits 799,873 799,900    
Restricted cash 0 0    
Financial assets held under resale agreements 0 0    
Financial assets at fair value through profit or loss 3,354,424 1,742,218    
Financial assets at fair value through other comprehensive income 0 0    
Financial assets at amortized cost   0    
Accounts and other receivables and contract assets 0 0    
Loans to customers 2,398,504 855,385    
Total financial assets 6,552,801 3,397,503    
LIABILITIES        
Payable to platform investors 0 0    
Borrowings 0 0    
Current deposits from customers 0 0    
Accounts and other payables and contract liabilities 0 0    
Payable to investors of consolidated structured entities 0 0    
Financing guarantee liabilities 0 0    
Lease liabilities 2,293 204    
Convertible promissory notes payable 0 0    
Financial assets sold under repurchase agreements 0 0    
Total financial liabilities 2,293 204    
Total interest rate sensitivity gap 6,550,508 3,397,299    
Overdue [Member]        
ASSETS        
Bank deposits 0 0    
Restricted cash 0 0    
Financial assets held under resale agreements 0 0    
Financial assets at fair value through profit or loss 3,600,847 3,176,372    
Financial assets at fair value through other comprehensive income 0 0    
Financial assets at amortized cost   0    
Accounts and other receivables and contract assets 0 0    
Loans to customers 1,516,449 1,629,428    
Total financial assets 5,117,296 4,805,800    
LIABILITIES        
Payable to platform investors 0 0    
Borrowings 0 0    
Current deposits from customers 0 0    
Accounts and other payables and contract liabilities 0 0    
Payable to investors of consolidated structured entities 0 0    
Financing guarantee liabilities 0 0    
Lease liabilities 0 0    
Convertible promissory notes payable 0 0    
Financial assets sold under repurchase agreements 0 0    
Total financial liabilities 0 0    
Total interest rate sensitivity gap 5,117,296 4,805,800    
No Interest [Member]        
ASSETS        
Bank deposits 1,643,487 1,136,792    
Restricted cash 90,508 54,162    
Financial assets held under resale agreements 191 32    
Financial assets at fair value through profit or loss 15,553,548 5,871,927    
Financial assets at fair value through other comprehensive income 0 0    
Financial assets at amortized cost   0    
Accounts and other receivables and contract assets 3,081,225 4,698,008    
Loans to customers 0 0    
Total financial assets 20,368,959 11,760,921    
LIABILITIES        
Payable to platform investors 667,794 721,558    
Borrowings 417,817 388,185    
Current deposits from customers 63,445 692    
Accounts and other payables and contract liabilities 3,138,181 2,833,692    
Payable to investors of consolidated structured entities 0 0    
Financing guarantee liabilities 5,647,343 4,217,979    
Lease liabilities 0 0    
Convertible promissory notes payable 0 0    
Financial assets sold under repurchase agreements 48 62    
Total financial liabilities 9,934,628 8,162,168    
Total interest rate sensitivity gap ¥ 10,434,331 ¥ 3,598,753