LexinFintech Holdings Ltd
(NASDAQ:LX)

LexinFintech Holdings Ltd., through its subsidiaries, operates as an online consumer finance platform for young professionals in the People's Republic of China. The company operates Fenqile.com, a retail and online consumer finance platform that offers installment purchase loans, personal installmen...

Website: http://www.fenqile.com

Founded: 2013

Full Time Employees: 3,227

Sector: Financial Services

Industry: Credit Services

Lending Service Chinese Financial Services

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Quarterly

Annual

Unit: USD	2025-11-24	2025-08-07	2025-05-21	2025-03-18	2024-12-31	2024-11-25	2024-08-27	2024-05-23	2024-03-20	2023-12-31	2023-11-22	2023-08-29	2023-05-23	2023-03-13	2022-12-31	2022-11-17	2022-08-17	2022-05-31	2022-03-16	2021-12-31	2021-11-11	2021-08-25	2021-06-02	2021-03-18	2020-12-31	2020-11-24	2020-08-18	2020-06-30	2020-03-31	2019-12-31	2019-11-30	2019-08-31	2019-05-31	2019-03-31	2018-12-31	2018-11-30	2018-08-31	2018-05-31	2018-03-31	2017-12-31

rmb
operating revenue:
credit facilitation service income	2,616,805,000	2,269,846,000	2,190,866,000	2,712,066,000	2,712,066,000	2,970,294,000	2,669,093,000	2,648,478,000	2,727,020,000	2,727,020,000	2,685,574,000	2,137,718,000	2,115,808,000	1,963,503,000
loan facilitation and servicing fees-credit oriented	1,428,159,000	1,130,734,000	1,136,229,000	1,624,410,000	1,624,410,000	1,850,850,000	1,433,416,000	1,417,248,000	1,558,588,000	1,558,588,000	1,533,203,000	945,919,000	964,171,000	849,240,000				255,739,000	606,029,000	606,029,000	1,187,060,000	1,594,835,000	1,060,420,000	1,034,265,000	1,034,265,000	1,058,468,000	931,295,000
guarantee income	619,712,000	571,181,000	547,814,000	577,168,000	577,168,000	620,117,000	722,288,000	744,251,000	709,422,000	709,422,000	638,595,000	617,599,000	553,668,000	499,662,000	499,662,000	409,842,000	289,764,000	253,912,000	171,848,000	171,848,000	164,052,000	203,595,000	235,049,000	338,580,000	338,580,000	597,542,000	706,271,000	677,300,000
financing income	568,934,000	567,931,000	506,823,000	510,488,000	510,488,000	499,327,000	513,389,000	486,979,000	459,010,000	459,010,000	513,776,000	574,200,000	597,969,000	614,601,000
tech-empowerment service income	456,044,000	830,124,000	624,850,000	601,693,000	601,693,000	383,592,000	534,548,000	361,543,000	426,882,000	426,882,000	453,944,000	391,695,000	367,932,000	412,769,000
installment e-commerce platform service income	344,649,000	487,444,000	288,383,000	345,074,000	345,074,000	308,257,000	437,047,000	231,909,000	355,534,000	355,534,000	369,417,000	526,399,000	499,159,000	673,994,000
total operating revenue	3,417,498,000	3,587,414,000	3,104,099,000	3,658,833,000	3,658,833,000	3,662,143,000	3,640,688,000	3,241,930,000	3,509,436,000	3,509,436,000	3,508,935,000	3,055,812,000	2,982,899,000	3,050,266,000	3,050,266,000	2,690,337,000	2,412,830,000	1,712,378,000	2,199,211,000	2,199,211,000	2,968,795,000	3,268,836,000	2,943,683,000	3,033,161,000	3,033,161,000	3,154,054,000	2,958,006,000	2,500,034,000	3,148,061,000	3,148,061,000	3,187,996,000		1,969,406,000		2,548,910,000	1,783,096,000	1,570,661,000	1,570,661,000	1,593,702,000
operating cost
cost of sales	-269,980,000	-425,900,000	-262,032,000	-352,749,000	-352,749,000	-308,097,000	-422,933,000	-235,747,000	-344,088,000	-344,088,000	-359,683,000	-465,393,000	-466,471,000	-656,539,000	-656,539,000	-530,685,000	-551,367,000	-328,213,000	-462,523,000	-462,523,000	-436,973,000	-426,991,000	-433,469,000	-431,804,000	-431,804,000	-475,824,000	-519,713,000	-480,167,000	-1,091,666,000	-1,091,666,000	-979,179,000	-925,454,000	-628,002,000	-714,988,000	-714,988,000			-548,723,000
funding cost	-51,829,000	-59,940,000	-83,004,000	-57,471,000	-57,471,000	-87,717,000	-90,525,000	-90,738,000	-76,195,000	-76,195,000	-131,640,000	-155,651,000	-150,383,000	-146,375,000	-146,375,000	-149,545,000	-127,896,000	-94,253,000	-98,222,000	-98,222,000	-106,013,000	-123,620,000	-129,760,000	-140,735,000	-140,735,000	-142,658,000	-163,363,000	-143,081,000	-128,307,000	-128,307,000	-117,586,000	-120,664,000	-142,272,000	-169,596,000	-169,596,000			-257,026,000
processing and servicing cost	-653,285,000	-605,652,000	-551,141,000	-583,119,000	-583,119,000	-602,362,000	-518,692,000	-587,731,000	-514,070,000	-514,070,000	-445,845,000	-446,140,000	-528,961,000	-466,935,000	-466,935,000	-472,261,000	-473,631,000	-462,465,000	-468,657,000	-468,657,000	-523,611,000	-469,917,000	-396,716,000	-381,964,000	-381,964,000	-361,839,000	-356,439,000	-312,970,000	-210,124,000	-210,124,000	-177,004,000	-138,279,000	-116,719,000	-104,420,000	-104,420,000			-65,934,000
provision for financing receivables	-327,518,000	-256,857,000		-296,741,000	-296,741,000	-261,126,000	-170,974,000	-136,683,000	-180,475,000	-180,475,000	-161,807,000	-145,931,000	-138,848,000	-146,515,000
provision for contract assets and receivables	-161,658,000	-164,224,000		-153,968,000	-153,968,000	-243,725,000	-154,778,000	-165,942,000	-202,677,000	-202,677,000	-159,443,000	-125,242,000	-141,946,000	-131,292,000
provision for contingent guarantee liabilities	-760,256,000	-802,157,000		-940,740,000	-940,740,000	-951,738,000	-934,693,000	-828,377,000	-933,854,000	-933,854,000	-894,174,000	-722,018,000	-653,077,000	-459,252,000
total operating cost	-2,224,526,000	-2,314,730,000	-1,885,191,000	-2,384,788,000	-2,384,788,000	-2,454,765,000	-2,292,595,000	-2,045,218,000	-2,251,359,000	-2,251,359,000	-2,152,592,000	-2,060,375,000	-2,079,686,000	-2,006,908,000	-2,006,908,000	-1,793,080,000	-1,779,554,000	-1,251,553,000	-986,953,000	-986,953,000	-1,462,273,000	-1,607,360,000	-1,574,665,000	-1,513,070,000	-1,513,070,000	-2,175,931,000	-1,990,136,000	-2,333,050,000	-1,670,400,000	-1,670,400,000	-1,487,237,000		-1,061,971,000		-1,191,284,000			-1,158,474,000
gross profit	1,192,972,000	1,272,684,000	1,218,908,000	1,274,045,000	1,274,045,000	1,207,378,000	1,348,093,000	1,196,712,000	1,258,077,000	1,258,077,000	1,356,343,000	995,437,000	903,213,000	1,043,358,000	1,043,358,000	897,257,000	633,276,000	460,825,000	1,212,258,000	1,212,258,000	1,506,522,000	1,661,476,000	1,369,018,000	1,520,091,000	1,520,091,000	978,123,000	967,870,000	166,984,000	1,477,661,000	1,477,661,000	1,700,759,000		907,435,000		1,357,626,000	618,762,000	412,187,000	412,187,000	434,035,000
yoy	-6.36%	5.41%	-9.58%	6.46%	1.27%	-4.03%	-0.61%	20.22%	39.29%	20.58%	30.00%	10.94%	42.63%	126.41%	-13.93%	-25.98%	-57.96%	-72.26%	-11.45%	-20.25%	-0.89%	69.86%	41.45%	810.32%	2.87%	-33.81%	-43.09%		62.84%		25.27%		120.15%		212.79%
qoq	-6.26%	4.41%	-4.33%	0.00%	5.52%	-10.44%	12.65%	-4.88%	0.00%	-7.24%	36.26%	10.21%	-13.43%	0.00%	16.28%	41.68%	37.42%	-61.99%	0.00%	-19.53%	-9.33%	21.36%	-9.94%	0.00%	55.41%	1.06%	479.62%	-88.70%	0.00%	-13.12%					119.41%	50.12%	0.00%	-5.03%
operating expenses:
sales and marketing expenses	-470,648,000	-567,025,000	-493,128,000	-464,263,000	-464,263,000	-437,996,000	-467,423,000	-417,617,000	-429,573,000	-429,573,000	-410,651,000	-453,112,000	-439,965,000	-422,997,000	-422,997,000	-424,544,000	-477,453,000	-360,444,000	-327,652,000	-327,652,000	-490,934,000	-494,814,000	-345,504,000	-343,272,000	-343,272,000	-359,828,000	-327,430,000	-243,872,000	-520,009,000	-520,009,000	-507,928,000	-315,578,000	-195,183,000	-209,835,000	-209,835,000			-101,510,000
research and development expenses	-150,063,000	-157,680,000	-155,626,000	-151,081,000	-151,081,000	-148,930,000	-143,250,000	-134,982,000	-135,837,000	-135,837,000	-126,582,000	-121,338,000	-129,527,000	-135,665,000	-135,665,000	-140,560,000	-154,529,000	-152,506,000	-163,636,000	-163,636,000	-130,996,000	-130,447,000	-124,207,000	-95,124,000	-95,124,000	-118,325,000	-134,605,000	-126,211,000	-101,342,000	-101,342,000	-121,114,000	-99,691,000	-93,848,000	-79,955,000	-79,955,000			-68,093,000
general and administrative expenses	-95,092,000	-96,010,000	-100,753,000	-95,335,000	-95,335,000	-88,952,000	-100,434,000	-89,760,000	-108,305,000	-108,305,000	-85,526,000	-96,519,000	-97,037,000	-97,058,000	-97,058,000	-104,389,000	-113,127,000	-116,997,000	-118,248,000	-118,248,000	-100,463,000	-120,849,000	-131,101,000	-125,464,000	-125,464,000	-102,501,000		-109,526,000	-119,723,000	-119,723,000	-111,102,000	-94,082,000	-87,210,000	-78,101,000	-78,101,000			-58,641,000
total operating expenses	-715,803,000	-820,715,000	-749,507,000	-710,679,000	-710,679,000	-675,878,000	-711,107,000	-642,359,000	-673,715,000	-673,715,000	-622,759,000	-670,969,000	-666,529,000	-655,720,000	-655,720,000	-669,493,000	-745,109,000	-629,947,000	-609,536,000	-609,536,000	-722,393,000	-746,110,000	-600,812,000	-563,860,000	-563,860,000	-580,654,000		-479,609,000	-741,074,000	-741,074,000	-740,144,000	-509,351,000	-376,241,000	-367,891,000	-367,891,000			-228,244,000
change in fair value of financial guarantee derivatives and loans at fair value	169,999,000	184,089,000	74,639,000	-143,619,000	-143,619,000	-151,431,000	-368,261,000	-315,923,000	-247,526,000	10,289,500	-245,568,000	130,461,000	156,265,000	33,185,000	172,299,000	121,776,000	304,552,000	262,868,000	-340,728,000
interest expense	-5,394,000	-4,621,000	-4,702,000	-2,560,000	-2,560,000	-4,531,000		-3,904,000	-10,245,000	-10,245,000	-14,354,000	-21,804,000	-4,080,000	-8,187,000	-8,187,000	-16,202,000	-15,942,000	-15,305,000	-12,752,000	-12,752,000	-14,023,000	-16,661,000	-19,689,000	-18,074,000	-18,074,000	-23,450,000		-12,305,000	-29,476,000	-29,476,000	-8,590,000		-2,458,000	-4,340,000	-4,340,000			-3,639,000
investment loss	-1,575,000			-543,000	-543,000	-2,224,000			-302,128,000					-38,423,000									-189,000					-16,266,000				-1,764,000
others	6,618,000	4,997,000	3,832,000	13,754,000	13,754,000	8,406,000	15,603,000	20,425,000	-22,092,000	-22,092,000	13,010,000	4,101,000	12,755,000						53,591,000	53,591,000	-946,000	42,586,000	18,249,000	62,734,000	62,734,000	85,241,000		-23,194,000	50,345,000	50,345,000	6,095,000	8,372,000	17,610,000	3,011,000	3,010,000		7,625,000	7,625,000	292,000
income before income tax expense	646,817,000	631,308,000	531,471,000	430,398,000	430,398,000	381,720,000	286,576,000	255,041,000	2,371,000	2,371,000	486,104,000	436,527,000	401,784,000	373,605,000	373,605,000	346,521,000	207,583,000	100,860,000	302,726,000	302,726,000	686,749,000	937,721,000	842,338,000	603,895,000	603,895,000	389,408,000		-803,374,000	614,003,000	614,003,000	848,282,000		700,519,000		1,261,141,000	309,469,000	179,854,000	179,854,000	209,878,000
income tax expense	-125,549,000	-119,907,000	-101,147,000		-67,649,000	-72,163,000	-60,045,000	-53,418,000		9,726,000	-115,479,000	-80,794,000	-74,294,000	-72,302,000	-72,302,000	-70,828,000	-40,133,000	-19,377,000	-47,115,000					-94,219,000					-96,081,000	-96,081,000	-123,916,000		-117,535,000					-33,441,000
net income	521,268,000	511,401,000	430,324,000	362,749,000	362,749,000	309,557,000	226,531,000	201,623,000	12,097,000	12,097,000	370,625,000	355,733,000	327,490,000	301,303,000	301,303,000	275,693,000	167,450,000	81,483,000	255,611,000	255,611,000	580,762,000	786,662,000	711,081,000	509,676,000	509,676,000	344,695,000		-678,427,000	517,922,000	517,922,000	724,366,000		582,984,000		1,049,699,000	465,224,000	146,413,000	146,413,000	100,438,000
yoy	43.70%	65.20%	89.96%	79.91%	2898.67%	2458.96%	-38.88%	-43.32%	-96.31%	-95.99%	23.01%	29.03%	95.57%	269.77%	17.88%	7.86%	-71.17%	-89.64%	-64.05%	-49.85%	13.95%	128.22%		-175.13%	-1.59%	-33.45%			-11.16%		-30.99%		298.18%		945.12%
qoq	1.93%	18.84%	18.63%	0.00%	17.18%	36.65%	12.35%	1566.72%	0.00%	-96.74%	4.19%	8.62%	8.69%	0.00%	9.29%	64.64%	105.50%	-68.12%	0.00%	-55.99%	-26.17%	10.63%	39.52%	0.00%	47.86%			-230.99%	0.00%	-28.50%					125.63%	217.75%	0.00%	45.77%
net income attributable to ordinary shareholders of the company	521,268,000	511,401,000	430,324,000	362,749,000	362,749,000	309,557,000	226,531,000	201,623,000	12,097,000	12,097,000	370,625,000	355,733,000	327,490,000	301,416,000	301,416,000	275,462,000	164,775,000	78,099,000	256,034,000	519,544,750	580,483,000	786,157,000	711,539,000
net income per ordinary share attributable to ordinary shareholders of the company
basic	1,530	1,500	1,270	1,090	1,090	930	680	610	40	30	1,130	1,080	1,000	920	870	820	460	210	690	690	1,570	2,130	1,940	1,390	1,400	940		-1,870	1,450	1,440	2,030	1,770	1,660	1,970	3,070	1,400	440	440	180
diluted	1,460	1,430	1,200	1,030	1,020	920	680	600	40	110	1,100	1,020	920	840	810	750	440	210	650	650	1,430	1,910	1,740	1,270	1,260	870		-1,870	1,300	1,270	1,960	1,730	1,610	1,910	2,900	1,280	410	410	140
net income per ads attributable to ordinary shareholders of the company
weighted-average ordinary shares outstanding
basic	340,975,826,000	340,489,447,000	338,073,723,000	333,182,976,000	331,403,936,000	331,356,003,000	330,780,601,000	330,277,142,000	329,297,640,000	328,523,952,000	328,993,585,000	328,241,855,000	327,538,233,000	328,034,709,000	348,048,245,000	336,900,544,000	357,773,159,000	370,068,984,000	369,328,311,000	368,460,867,000	368,873,003,000	368,245,622,000	367,370,488,000	365,939,185,000	364,733,164,000	364,991,825,000		363,502,158,000		355,625,970,000		355,026,635,000
diluted	356,137,047,000	358,475,575,000	359,646,902,000	351,577,582,000	339,261,349,000	336,606,267,000	335,192,422,000	333,650,104,000	331,941,385,000	359,820,982,000	355,221,352,000	374,351,114,000	374,265,630,000	372,659,684,000	392,756,821,000	381,524,186,000	402,495,145,000	372,075,542,000	414,080,634,000	414,992,716,000	414,206,884,000	417,056,948,000	414,600,356,000	411,086,216,000	411,229,810,000	410,968,465,000		363,502,158,000		375,831,131,000		363,122,834,000
investment income		-5,126,000					260,000	90,000		-276,750	-568,000	-699,000	160,000		1,119,750	-3,027,000	6,132,000	1,374,000	-107,000	-107,000	-1,656,000	-2,208,000		-1,436,000	-1,436,000	-1,293,000			-1,222,000	-1,222,000	55,197,000
benefit from financing receivables			-182,149,000
benefit from contract assets and receivables			-129,685,000
benefit from contingent guarantee liabilities			-677,180,000
investment income/			-11,699,000
income tax benefit				-67,649,000					9,726,000											-97,075,750	-105,987,000	-151,059,000	-131,257,000		897,500	-44,713,000		124,947,000							-211,442,000	155,755,000
interest income							1,988,000																									1,309,000
less: net income attributable to non-controlling interests														-113,000	-113,000	231,000	2,675,000	3,384,000	-423,000	-133,000	279,000	505,000
operating expenses：
other														-608,000	15,482,250	16,210,000	24,674,000	21,045,000
new consumption-driven, location-based services															345,517,750	524,986,000	538,413,000	318,672,000
technology-driven platform services															358,293,500	499,699,000	436,194,000	497,281,000
credit-driven platform services															1,000,075,000	1,665,652,000	1,438,223,000	896,425,000
loan facilitation and servicing fees- credit oriented															409,321,750	714,102,000	667,446,000
interest and financial services income and other revenues															352,373,750	541,708,000	481,013,000	386,774,000	367,430,000	367,430,000	414,192,000	409,663,000	541,637,000	472,668,000	472,668,000	368,702,000	331,593,000	245,929,000	259,256,000	221,892,000	264,255,000
operating cost:
provision for credit losses of financing and interest receivables															-72,740,500	-126,214,000	-119,219,000	-45,529,000
provision for credit losses of contract assets and receivables															-83,474,000	-132,678,000	-130,017,000	-71,201,000	-44,644,000	-44,644,000	-127,958,000	-139,698,000	-218,937,000	-187,227,000	-187,227,000	-104,452,000	-60,786,000	-89,340,000
provision for credit losses of contingent liabilities of guarantee															-252,253,250	-381,697,000	-377,424,000	-249,892,000	-11,780,000	-11,780,000	-51,374,000	-335,499,000	-223,785,000	-220,489,000	-220,489,000	-873,936,000	-768,922,000	-1,017,243,000
online direct sales																			425,765,000	425,765,000	400,223,000	408,841,000	426,327,000	427,760,000	427,760,000	461,959,000	521,592,000	489,524,000	1,084,700,000	1,084,700,000	988,964,000	925,418,000	624,909,000	700,254,000	700,254,000	582,906,000	542,899,000	542,899,000	673,607,000
membership services																			68,189,000	68,189,000	4,390,000	12,599,000	22,723,000	37,009,000	37,009,000	27,602,000	24,205,000
other services																			21,564,000	21,564,000	23,568,000	19,582,000	21,590,000	5,482,000	5,482,000	26,048,000	24,154,000
online direct sales and services income																			515,518,000	515,518,000	428,181,000	441,022,000	470,640,000	470,251,000	470,251,000	515,609,000	569,951,000	527,021,000	1,143,218,000	1,143,218,000	1,036,407,000	969,608,000	679,608,000	769,345,000	769,345,000	630,358,000	572,993,000	572,993,000	691,725,000
credit-oriented services income																			1,145,307,000	1,145,307,000	1,765,304,000	2,208,093,000	1,837,106,000	1,845,513,000	1,845,513,000	2,024,712,000	1,969,159,000
loan facilitation and servicing fees-performance based																			480,648,000	480,648,000	692,630,000	543,225,000	572,949,000	679,494,000	679,494,000	580,358,000	393,595,000
loan facilitation and servicing fees-volume based																			57,738,000	57,738,000	82,680,000	76,496,000	62,988,000	37,903,000	37,903,000	33,375,000	25,301,000
platform-based services income																			538,386,000	538,386,000	775,310,000	619,721,000	635,937,000	717,397,000	717,397,000	613,733,000	418,896,000
provision for credit losses of financing receivables																			98,873,000	-124,994,250	-216,344,000	-111,635,000	-171,998,000	-150,851,000	-150,851,000	-217,222,000	-120,913,000	-290,249,000	-219,363,000	-219,363,000	-153,601,000	-183,203,000	-152,517,000
investment-related impairment																								-33,786,000	-33,786,000	-35,370,000								-10,374,000	-10,374,000
change in fair value of financial guarantee derivatives																				-501,012,000	-92,268,000	-19,138,000	153,572,000	-325,848,000	-325,848,000	-21,833,000		-438,984,000	-257,777,000	-257,777,000	-119,202,000	114,227,000	50,496,000	169,782,000	169,782,000	21,249,000		-8,075,000	15,346,000
change in fair value of loans at fair value																				160,284,000	11,513,000	17,776,000	-77,811,000	-35,926,000	-35,926,000	-11,356,000
less: net (loss) attributable to non-controlling interests																							-458,000
gain on guarantee liabilities																													115,546,000	115,546,000	-45,833,000	22,673,000	103,677,000	94,575,000	94,575,000
net income per ordinary share
basic	1,530	1,500	1,270	1,090	1,090	930	680	610	40	30	1,130	1,080	1,000	920	870	820	460	210	690	690	1,570	2,130	1,940	1,390	1,400	940		-1,870	1,450	1,440	2,030	1,770	1,660	1,970	3,070	1,400	440	440	180
diluted	1,460	1,430	1,200	1,030	1,020	920	680	600	40	110	1,100	1,020	920	840	810	750	440	210	650	650	1,430	1,910	1,740	1,270	1,260	870		-1,870	1,300	1,270	1,960	1,730	1,610	1,910	2,900	1,280	410	410	140
net income per ads
services and others																												37,497,000	58,518,000	58,518,000	47,443,000	44,190,000	54,699,000	69,091,000	69,091,000	47,452,000	30,094,000	30,094,000	18,118,000
loan facilitation and servicing fees																												1,049,784,000	1,745,587,000	1,745,587,000	1,887,334,000		910,562,000		1,273,760,000	232,461,000	164,377,000	164,377,000	191,442,000
financial services income																												1,973,013,000	2,004,843,000	2,004,843,000	2,151,589,000		1,289,798,000		1,779,565,000	1,152,738,000	997,668,000	997,668,000	901,977,000
weighted-average number of ordinary shares outstanding
basic	340,975,826,000	340,489,447,000	338,073,723,000	333,182,976,000	331,403,936,000	331,356,003,000	330,780,601,000	330,277,142,000	329,297,640,000	328,523,952,000	328,993,585,000	328,241,855,000	327,538,233,000	328,034,709,000	348,048,245,000	336,900,544,000	357,773,159,000	370,068,984,000	369,328,311,000	368,460,867,000	368,873,003,000	368,245,622,000	367,370,488,000	365,939,185,000	364,733,164,000	364,991,825,000		363,502,158,000		355,625,970,000		355,026,635,000
diluted	356,137,047,000	358,475,575,000	359,646,902,000	351,577,582,000	339,261,349,000	336,606,267,000	335,192,422,000	333,650,104,000	331,941,385,000	359,820,982,000	355,221,352,000	374,351,114,000	374,265,630,000	372,659,684,000	392,756,821,000	381,524,186,000	402,495,145,000	372,075,542,000	414,080,634,000	414,992,716,000	414,206,884,000	417,056,948,000	414,600,356,000	411,086,216,000	411,229,810,000	410,968,465,000		363,502,158,000		375,831,131,000		363,122,834,000
data)
provision for credit losses of contract assets and service fees receivable																													-20,940,000	-20,940,000	-59,867,000		-22,461,000
investment related impairment
weighted average number of ordinary shares outstanding
basic																													358,312,515,000		357,428,690,000		351,642,939,000	348,699,326,000		332,208,249,000	331,158,139,000	331,158,139,000	122,444,533,000
diluted																													408,188,044,000		369,863,610,000		361,647,253,000	360,198,369,000		362,162,094,000	361,428,816,000	361,428,816,000	195,107,394,000
interest and financial services income and other revenues*																																314,248,000
loan facilitation and servicing fees*																																1,209,084,000		824,533,000
financial services income*																																1,523,332,000		1,324,300,000
total operating revenue*																																2,492,940,000		2,093,645,000
provision for credit losses of contract assets and service fees receivable*																																-26,423,000
total operating cost*																																-1,394,023,000		-1,168,544,000
gross profit*																																1,098,917,000		925,101,000
income before income tax expense*																																734,383,000		809,864,000
income tax benefit*																																-106,419,000		-121,447,000
net income*																																627,964,000		688,417,000
net income per ordinary share*
basic	1,530	1,500	1,270	1,090	1,090	930	680	610	40	30	1,130	1,080	1,000	920	870	820	460	210	690	690	1,570	2,130	1,940	1,390	1,400	940		-1,870	1,450	1,440	2,030	1,770	1,660	1,970	3,070	1,400	440	440	180
diluted	1,460	1,430	1,200	1,030	1,020	920	680	600	40	110	1,100	1,020	920	840	810	750	440	210	650	650	1,430	1,910	1,740	1,270	1,260	870		-1,870	1,300	1,270	1,960	1,730	1,610	1,910	2,900	1,280	410	410	140
net income per ads*
interest and financial services income																																	351,290,000		466,184,000	873,719,000	782,989,000	782,989,000	657,004,000
other revenue																																	27,946,000	39,621,000	39,621,000	46,558,000	50,302,000	50,302,000	53,531,000
interest and financial services income*																																		460,146,000
provision for credit losses																																		-164,026,000	-180,007,500			-286,791,000
provision for contract assets and other assets*																																		-15,514,000
investment income*
pre-ipo preferred shares redemption value accretion
income allocation to participating preferred shares
net income attributable to ordinary shareholders*																																		688,417,000
net income attributable to ordinary shareholders																																			1,049,699,000	465,224,000	146,413,000	146,413,000	21,697,000
loss on guarantee liabilities
preferred shares redemption value accretion
weighted average ordinary shares outstanding
basic																													358,312,515,000		357,428,690,000		351,642,939,000	348,699,326,000		332,208,249,000	331,158,139,000	331,158,139,000	122,444,533,000
diluted																													408,188,044,000		369,863,610,000		361,647,253,000	360,198,369,000		362,162,094,000	361,428,816,000	361,428,816,000	195,107,394,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-11-24	2025-09-30	2025-08-07	2025-06-30	2025-03-31	2025-03-18	2024-12-31	2024-11-25	2024-09-30	2024-08-27	2024-06-30	2024-05-23	2024-03-31	2024-03-20	2023-12-31	2023-11-22	2023-09-30	2023-08-29	2023-06-30	2023-05-23	2023-03-31	2023-03-13	2022-12-31	2022-11-17	2022-09-30	2022-08-17	2022-06-30	2022-05-31	2022-03-31	2022-03-16	2021-12-31	2021-11-11	2021-09-30	2021-08-25	2021-06-30	2021-06-02	2021-03-31	2021-03-18	2020-12-31	2020-11-24	2020-09-30	2020-08-18	2020-06-30	2020-03-31	2019-12-31	2019-11-30	2019-09-30	2019-08-31	2019-06-30	2019-05-31	2019-03-31	2018-12-31	2018-11-30	2018-09-30	2018-08-31	2018-06-30	2018-05-31	2018-03-31	2017-12-31	2016-12-31

rmb
assets
current assets
cash and cash equivalents	2,191,291,000	2,191,291,000	2,077,282,000	2,077,282,000	3,173,298,000	2,254,213,000	2,254,213,000	2,153,594,000	2,153,594,000	2,093,712,000	2,093,712,000	1,937,694,000	1,937,694,000	2,624,719,000	2,624,719,000	2,527,065,000	2,527,065,000	2,627,677,000	2,627,677,000	2,291,986,000	2,291,986,000	1,494,150,000	1,494,150,000	2,108,511,000	2,108,511,000	2,060,690,000	2,060,690,000	2,303,519,000	2,303,519,000	2,664,132,000	2,664,132,000	2,545,779,000	2,545,779,000	2,383,754,000	2,383,754,000	2,338,468,000	2,338,468,000	1,563,755,000	1,563,755,000	1,593,413,000	1,593,413,000	1,164,805,000	1,293,823,000	2,085,234,000	2,085,234,000	2,799,637,000	2,799,637,000	1,059,735,000	1,059,735,000	1,341,417,000	1,148,292,000	1,148,292,000	440,911,000	440,911,000	439,829,000	439,829,000	613,436,000	613,436,000	1,126,475,000	479,605,000
restricted cash	1,823,593,000	1,823,593,000	1,422,365,000	1,422,365,000	1,545,269,000	1,638,479,000	1,638,479,000	1,431,783,000	1,431,783,000	2,079,970,000	2,079,970,000	1,693,636,000	1,693,636,000	1,433,502,000	1,433,502,000	1,502,659,000	1,502,659,000	1,682,124,000	1,682,124,000	2,606,968,000	2,606,968,000	1,267,512,000	1,267,512,000	1,236,978,000	1,236,978,000	1,619,930,000	1,619,930,000	1,454,431,000	1,454,431,000	1,305,435,000	1,305,435,000	1,414,669,000	1,414,669,000	991,752,000	991,752,000	975,504,000	975,504,000	1,112,152,000	1,112,152,000	2,281,501,000	2,281,501,000	2,933,323,000	2,009,901,000	1,813,855,000	1,813,855,000	1,472,517,000	1,472,517,000	1,335,150,000	1,335,150,000	1,554,073,000	1,266,536,000	1,266,536,000	1,001,729,000	1,001,729,000	750,351,000	750,351,000	799,950,000	799,950,000
restricted term deposit and short-term investments	177,982,000	177,982,000	395,276,000	395,276,000	218,490,000	138,497,000		266,512,000	266,512,000	345,192,000	345,192,000	315,202,000	315,202,000	305,182,000		804,439,000	804,439,000	1,019,454,000	1,019,454,000	1,451,189,000	1,451,189,000	1,331,858,000
short-term financing receivables	5,072,417,000	5,072,417,000	5,427,917,000	5,427,917,000	4,743,393,000	4,668,715,000		3,963,912,000	3,963,912,000	3,865,333,000	3,865,333,000	4,266,124,000	4,266,124,000	3,944,000,000		4,295,020,000	4,295,020,000	5,144,518,000	5,144,518,000	5,568,428,000	5,568,428,000	6,397,920,000																						3,752,690,000	3,752,690,000	3,409,145,000	3,409,145,000	3,570,430,000	3,570,430,000	4,027,899,000	5,140,634,000	5,140,634,000	6,733,600,000	6,733,600,000	9,788,744,000	9,788,744,000	11,811,687,000	11,811,687,000	9,857,209,000	6,470,898,000
short-term contract assets and receivables	4,336,657,000	4,336,657,000	4,663,987,000	4,663,987,000	5,009,319,000	5,448,057,000		6,613,308,000	6,613,308,000	6,595,149,000	6,595,149,000	6,432,765,000	6,432,765,000	6,112,981,000		5,531,882,000	5,531,882,000	4,576,877,000	4,576,877,000	4,186,986,000	4,186,986,000	3,894,175,000
deposits to insurance companies and guarantee companies	2,318,598,000	2,318,598,000	2,201,097,000	2,201,097,000	2,203,109,000	2,355,343,000	2,355,343,000	2,330,314,000	2,330,314,000	2,369,989,000	2,369,989,000	3,054,180,000	3,054,180,000	2,613,271,000	2,613,271,000	2,406,041,000	2,406,041,000	2,282,213,000	2,282,213,000	2,209,563,000	2,209,563,000	2,249,022,000	2,249,022,000	1,976,331,000	1,976,331,000	1,790,265,000	1,790,265,000	1,630,230,000	1,630,230,000	1,378,489,000	1,378,489,000	1,527,696,000	1,527,696,000	1,431,751,000	1,431,751,000	1,174,762,000	1,174,762,000	1,066,281,000	1,066,281,000	1,170,314,000	1,170,314,000	1,158,325,000	1,243,725,000		1,251,003,000
prepayments and other current assets	2,355,149,000	2,355,149,000	1,758,027,000	1,758,027,000	1,347,805,000	1,321,340,000	1,321,340,000	1,416,024,000	1,416,024,000	1,327,862,000	1,327,862,000	1,313,891,000	1,313,891,000	1,428,769,000	1,428,769,000	1,447,589,000	1,447,589,000	1,237,605,000	1,237,605,000	1,119,663,000	1,119,663,000	1,086,952,000	1,086,952,000
amounts due from related parties	95,436,000	95,436,000	83,887,000	83,887,000	77,239,000	61,722,000	61,722,000	11,067,000	11,067,000	7,321,000	7,321,000	8,266,000	8,266,000	6,989,000	6,989,000	7,143,000	7,143,000	7,016,000	7,016,000	6,455,000	6,455,000	6,602,000	6,602,000	7,257,000	7,257,000	6,641,000	6,641,000	6,066,000	6,066,000	6,337,000	6,337,000	6,283,000	6,283,000	6,243,000	6,243,000	6,919,000	6,919,000	941,000	941,000	941,000	941,000	941,000	941,000			2,786,000	2,786,000	2,797,000	2,797,000	2,230,000					125,000	125,000	1,992,000	1,992,000
inventories	21,030,000	21,030,000	29,886,000	29,886,000	19,341,000	22,345,000	22,345,000	48,396,000	48,396,000	45,034,000	45,034,000	29,562,000	29,562,000	33,605,000	33,605,000	57,284,000	57,284,000	54,811,000	54,811,000	50,912,000	50,912,000	53,917,000	53,917,000	86,736,000	86,736,000	67,281,000	67,281,000	56,528,000	56,528,000	47,816,000	47,816,000	52,460,000	52,460,000	46,565,000	46,565,000	67,585,000	67,585,000	47,170,000	47,170,000	59,238,000	59,238,000	55,652,000	55,216,000	106,781,000	106,781,000	138,714,000	138,714,000	101,050,000	101,050,000	56,143,000	57,196,000	57,196,000	95,380,000	95,380,000	75,982,000	75,982,000	94,550,000	94,550,000	101,653,000	107,704,000
total current assets	18,392,153,000	18,392,153,000	18,059,724,000	18,059,724,000	18,337,263,000	17,908,711,000	17,908,711,000	18,234,910,000	18,234,910,000	18,729,562,000	18,729,562,000	19,051,320,000	19,051,320,000	18,503,018,000	18,503,018,000	18,579,122,000	18,579,122,000	18,632,295,000	18,632,295,000	19,492,150,000	19,492,150,000	17,782,108,000	17,782,108,000	17,784,773,000	17,784,773,000	17,120,246,000	17,120,246,000	16,667,201,000	16,667,201,000	16,655,364,000	16,655,364,000	16,284,247,000	16,284,247,000	16,019,345,000	16,019,345,000	15,747,402,000	15,747,402,000	16,418,182,000	16,418,182,000	18,447,194,000	18,447,194,000	18,152,538,000	16,404,600,000	16,506,318,000	16,506,318,000	14,053,033,000	14,053,033,000	10,658,593,000	10,658,593,000	9,922,603,000	10,304,958,000	10,304,958,000	10,301,982,000	10,301,982,000	12,494,979,000	12,494,979,000	14,548,624,000	14,548,624,000
non-current assets
long-term financing receivables	97,570,000	97,570,000	90,781,000	90,781,000	92,087,000	112,427,000		132,946,000	132,946,000	144,478,000	144,478,000	89,332,000	89,332,000	200,514,000		302,201,000	302,201,000	356,049,000	356,049,000	326,079,000	326,079,000	460,325,000																						658,798,000	658,798,000	867,525,000	867,525,000	958,629,000	958,629,000	1,019,810,000	1,283,036,000	1,283,036,000	1,637,331,000	1,637,331,000	2,231,009,000	2,231,009,000	2,416,099,000	2,416,099,000	1,785,045,000	1,066,148,000
long-term contract assets and receivables	294,805,000	294,805,000	283,031,000	283,031,000	350,993,000	317,402,000		404,798,000	404,798,000	398,602,000	398,602,000	474,566,000	474,566,000	599,818,000		682,044,000	682,044,000	776,957,000	776,957,000	749,417,000	749,417,000	605,051,000
property, equipment and software	851,370,000	851,370,000	803,776,000	803,776,000	636,939,000	613,110,000	613,110,000	578,874,000	578,874,000	548,630,000	548,630,000	483,881,000	483,881,000	446,640,000	446,640,000	428,024,000	428,024,000	385,485,000	385,485,000	327,186,000	327,186,000	284,593,000	284,593,000	242,672,000	242,672,000	216,752,000	216,752,000	214,654,000	214,654,000	195,330,000	195,330,000	156,759,000	156,759,000	132,099,000	132,099,000	123,908,000	123,908,000	125,694,000	125,694,000	103,702,000	103,702,000	106,117,000	101,002,000	92,553,000	92,553,000	89,838,000	89,838,000	92,112,000	92,112,000	92,569,000	82,420,000	82,420,000	78,540,000	78,540,000	76,606,000	76,606,000	71,120,000	71,120,000
land use rights	837,067,000	837,067,000	845,667,000	845,667,000	854,267,000	862,867,000	862,867,000	871,467,000	871,467,000	880,067,000	880,067,000	888,667,000	888,667,000	897,267,000	897,267,000	905,867,000	905,867,000	914,467,000	914,467,000	923,067,000	923,067,000	931,667,000	931,667,000	940,267,000	940,267,000	948,867,000	948,867,000	957,467,000	957,467,000	966,067,000	966,067,000	974,667,000	974,667,000	983,267,000	983,267,000	991,867,000	991,867,000	1,000,467,000	1,000,467,000	1,009,067,000	1,009,067,000	1,017,667,000	1,026,267,000
long‑term investments	243,715,000	243,715,000	239,498,000	239,498,000	244,193,000	284,197,000	284,197,000	252,833,000	252,833,000	255,641,000	255,641,000	255,243,000	255,243,000	255,003,000	255,003,000	348,065,000	348,065,000	349,591,000	349,591,000	348,639,000	348,639,000	348,376,000	348,376,000	472,407,000	472,407,000	473,849,000	473,849,000	470,372,000	470,372,000	469,064,000	469,064,000	471,370,000	471,370,000	472,919,000	472,919,000	525,571,000	525,571,000	521,802,000	521,802,000	475,423,000	475,423,000
deferred tax assets	1,739,360,000	1,739,360,000	1,687,365,000	1,687,365,000	1,589,522,000	1,540,842,000	1,540,842,000	1,374,393,000	1,374,393,000	1,345,458,000	1,345,458,000	1,278,674,000	1,278,674,000	1,232,092,000	1,232,092,000	1,155,109,000	1,155,109,000	1,127,993,000	1,127,993,000	1,125,068,000	1,125,068,000	1,141,761,000	1,141,761,000	1,252,169,000	1,252,169,000	1,345,653,000	1,345,653,000	1,298,484,000	1,298,484,000	1,176,878,000	1,176,878,000	866,043,000	866,043,000	804,785,000	804,785,000	780,739,000	780,739,000	747,332,000	747,332,000	599,720,000	599,720,000	557,518,000	511,028,000	157,138,000	157,138,000	116,093,000	116,093,000	126,764,000	126,764,000	99,371,000	94,598,000	94,598,000	219,172,000	219,172,000	213,277,000	213,277,000	38,841,000	38,841,000
other assets	536,074,000	536,074,000	433,358,000	433,358,000	433,738,000	500,363,000		567,915,000	567,915,000	618,063,000	618,063,000	662,716,000	662,716,000	861,491,000		1,162,690,000	1,162,690,000	1,169,387,000	1,169,387,000	1,147,876,000	1,147,876,000	1,048,301,000	1,048,301,000	989,457,000	989,457,000	921,235,000	921,235,000	869,891,000	869,891,000	826,883,000	826,883,000	940,069,000	940,069,000	729,601,000	729,601,000	472,463,000	472,463,000	462,285,000	462,285,000	509,292,000	509,292,000	483,073,000	456,462,000	454,421,000	454,421,000	330,211,000	330,211,000	160,490,000	160,490,000		29,192,000	29,192,000	27,769,000	27,769,000	23,688,000	23,688,000	25,047,000	25,047,000	33,263,000
total non-current assets	4,674,574,000	4,674,574,000	4,455,064,000	4,455,064,000	4,282,203,000	4,332,068,000	4,332,068,000	4,290,156,000	4,290,156,000	4,289,819,000	4,289,819,000	4,236,722,000	4,236,722,000	4,637,773,000	4,637,773,000	5,128,728,000	5,128,728,000	5,259,131,000	5,259,131,000	5,105,306,000	5,105,306,000	4,988,595,000	4,988,595,000																3,926,983,000			3,764,896,000	3,830,628,000	2,729,976,000	2,729,976,000	2,741,795,000	2,741,795,000	2,181,868,000	2,181,868,000	2,083,624,000	2,165,617,000	2,165,617,000	2,198,671,000	2,198,671,000	2,603,498,000	2,603,498,000	2,639,772,000	2,639,772,000
total assets	23,066,727,000	23,066,727,000	22,514,788,000	22,514,788,000	22,619,466,000	22,240,779,000	22,240,779,000	22,525,066,000	22,525,066,000	23,019,381,000	23,019,381,000	23,288,042,000	23,288,042,000	23,140,791,000	23,140,791,000	23,707,850,000	23,707,850,000	23,891,426,000	23,891,426,000	24,597,456,000	24,597,456,000	22,770,703,000	22,770,703,000	22,798,425,000	22,798,425,000	22,063,569,000	22,063,569,000	21,188,052,000	21,188,052,000	21,026,194,000	21,026,194,000	20,570,788,000	20,570,788,000	20,124,897,000	20,124,897,000	19,629,810,000	19,629,810,000	20,345,165,000	20,345,165,000	22,142,219,000	22,142,219,000	21,917,434,000	20,235,228,000	19,236,294,000	19,236,294,000	16,794,828,000	16,794,828,000	12,840,461,000	12,840,461,000	12,006,227,000	12,470,575,000	12,470,575,000	12,500,653,000	12,500,653,000	15,098,477,000	15,098,477,000	17,188,396,000	17,188,396,000	14,729,584,000	8,720,135,000
liabilities
current liabilities
accounts payable	49,067,000	49,067,000	72,045,000	72,045,000	63,294,000	74,443,000	74,443,000	32,215,000	32,215,000	42,968,000	42,968,000	33,233,000	33,233,000	49,801,000	49,801,000	14,533,000	14,533,000	39,766,000	39,766,000	36,759,000	36,759,000	25,970,000	25,970,000	33,438,000	33,438,000	60,376,000	60,376,000	25,378,000	25,378,000	15,705,000	15,705,000	18,939,000	18,939,000	37,536,000	37,536,000	42,280,000	42,280,000	42,961,000	42,961,000	65,692,000	65,692,000	59,320,000	93,842,000	201,837,000	201,837,000	206,737,000	206,737,000	249,010,000	249,010,000	143,979,000	135,848,000	135,848,000	213,166,000	213,166,000	193,421,000	193,421,000	129,470,000	129,470,000
amounts due to related parties	7,908,000	7,908,000	13,431,000	13,431,000	9,124,000	10,927,000	10,927,000	12,358,000	12,358,000	9,167,000	9,167,000	4,902,000	4,902,000	2,958,000	2,958,000	2,521,000	2,521,000	4,022,000	4,022,000	6,706,000	6,706,000	4,669,000	4,669,000	3,802,000	3,802,000	5,574,000	5,574,000	24,539,000	24,539,000	23,102,000	23,102,000	52,283,000	52,283,000	55,785,000	55,785,000	58,904,000	58,904,000	67,514,000	67,514,000	57,184,000	57,184,000	53,729,000	46,808,000	40,804,000	40,804,000	26,866,000	26,866,000	20,736,000	20,736,000	8,829,000	14,569,000	14,569,000	23,322,000	23,322,000	24,893,000	24,893,000	62,680,000	62,680,000
short-term borrowings and current portion of long-term borrowings	932,296,000	932,296,000	841,506,000	841,506,000	781,324,000
short‑term funding debts	2,906,097,000	2,906,097,000	2,811,878,000	2,811,878,000	3,207,177,000	2,754,454,000	2,754,454,000	2,972,938,000	2,972,938,000	2,345,753,000	2,345,753,000	2,417,994,000	2,417,994,000	3,483,196,000	3,483,196,000	3,726,246,000	3,726,246,000	3,260,609,000	3,260,609,000	4,602,871,000	4,602,871,000	4,385,253,000	4,385,253,000	3,908,918,000	3,908,918,000	3,394,577,000	3,394,577,000	2,373,313,000	2,373,313,000	3,101,381,000	3,101,381,000	3,153,038,000	3,153,038,000	3,432,747,000	3,432,747,000	4,288,883,000	4,288,883,000	4,685,935,000		4,654,269,000	4,654,269,000
deferred guarantee income	1,330,957,000	1,330,957,000	1,224,450,000	1,224,450,000	1,158,164,000	975,102,000	975,102,000	1,135,911,000	1,135,911,000	1,275,387,000	1,275,387,000	1,414,495,000	1,414,495,000	1,538,385,000	1,538,385,000	1,477,746,000	1,477,746,000	1,276,537,000	1,276,537,000	1,123,313,000	1,123,313,000	894,858,000	894,858,000	753,440,000	753,440,000	592,625,000	592,625,000	448,212,000	448,212,000	419,843,000	419,843,000	318,977,000	318,977,000	413,734,000	413,734,000	496,864,000	496,864,000	694,582,000	694,582,000	970,221,000	970,221,000	1,053,553,000	1,391,123,000
contingent guarantee liabilities	589,744,000	589,744,000	675,974,000	675,974,000	769,397,000	1,079,000,000	1,079,000,000	1,268,803,000	1,268,803,000	1,474,899,000	1,474,899,000	1,665,211,000	1,665,211,000	1,808,540,000	1,808,540,000	1,630,413,000	1,630,413,000	1,290,205,000	1,290,205,000	1,093,151,000	1,093,151,000	882,107,000	882,107,000	838,250,000	838,250,000	843,588,000	843,588,000	867,676,000	867,676,000	928,840,000	928,840,000	1,128,975,000	1,128,975,000	1,416,870,000	1,416,870,000	1,524,970,000	1,524,970,000	1,738,787,000	1,738,787,000	2,622,095,000	2,622,095,000	2,590,402,000	2,744,653,000
accruals and other current liabilities	4,413,953,000	4,413,953,000	3,938,086,000	3,938,086,000	3,909,239,000	4,019,676,000	4,019,676,000	4,978,006,000	4,978,006,000	4,800,387,000	4,800,387,000	4,786,647,000	4,786,647,000	4,434,254,000	4,434,254,000	4,044,360,000	4,044,360,000	3,432,265,000	3,432,265,000	3,159,194,000	3,159,194,000	3,057,469,000	3,057,469,000
total current liabilities	10,230,022,000	10,230,022,000	9,577,370,000	9,577,370,000	9,897,719,000	9,604,374,000	9,604,374,000	10,952,820,000	10,952,820,000	10,556,654,000	10,556,654,000	11,044,714,000	11,044,714,000	12,324,597,000	12,324,597,000	12,616,418,000	12,616,418,000	11,840,334,000	11,840,334,000	13,234,983,000	13,234,983,000	12,481,917,000	12,481,917,000	12,112,064,000	12,112,064,000	9,513,860,000	9,513,860,000	9,145,767,000	9,145,767,000	10,187,120,000	10,187,120,000	10,015,101,000	10,015,101,000	10,414,548,000	10,414,548,000	11,138,495,000	11,138,495,000	12,019,673,000	12,019,673,000	13,967,565,000	13,967,565,000	14,317,285,000	13,313,013,000	9,802,619,000	9,802,619,000	8,241,140,000	8,241,140,000	7,300,213,000	7,300,213,000	6,856,428,000	7,766,506,000	8,018,713,000	9,310,986,000	9,310,986,000	12,310,467,000	12,310,467,000	15,015,433,000	15,015,433,000
non-current liabilities
long-term borrowings	566,015,000	566,015,000	569,690,000	569,690,000	505,408,000	585,024,000	585,024,000	585,024,000	585,024,000	551,938,000	551,938,000	540,190,000	540,190,000	524,270,000	524,270,000	524,270,000	524,270,000	506,640,000	506,640,000	212,600,000	212,600,000	150,430,000	150,430,000
long‑term funding debts	351,899,000	351,899,000	653,349,000	653,349,000	891,390,000	1,197,211,000	1,197,211,000	444,750,000	444,750,000	1,701,449,000	1,701,449,000	1,652,332,000	1,652,332,000	455,800,000	455,800,000	676,076,000	676,076,000	2,065,097,000	2,065,097,000	1,882,549,000	1,882,549,000	1,334,105,000	1,334,105,000	2,065,671,000	2,065,671,000	2,177,240,000	2,177,240,000	1,776,061,000	1,776,061,000	696,852,000	696,852,000	701,168,000	701,168,000	617,913,000	617,913,000	212,006,000	212,006,000	825,814,000		1,182,257,000	1,182,257,000
deferred tax liabilities	82,986,000	82,986,000	102,705,000	102,705,000	102,617,000	91,380,000	91,380,000	79,445,000	79,445,000	71,192,000	71,192,000	64,475,000	64,475,000	75,340,000	75,340,000	68,140,000	68,140,000	48,127,000	48,127,000	50,818,000	50,818,000	52,559,000	52,559,000	48,168,000	48,168,000	92,609,000	92,609,000	82,891,000	82,891,000	54,335,000	54,335,000	36,652,000	36,652,000	36,518,000	36,518,000	27,915,000	27,915,000	21,046,000	21,046,000	39,870,000	39,870,000	64,909,000	45,711,000	309,646,000	309,646,000	300,369,000	300,369,000	229,168,000	229,168,000	167,071,000	187,183,000	187,183,000
other long-term liabilities	11,249,000	11,249,000	6,775,000	6,775,000	14,006,000	22,784,000	22,784,000	38,964,000	38,964,000	47,235,000	47,235,000	47,936,000	47,936,000	50,702,000	50,702,000	51,043,000	51,043,000	57,546,000	57,546,000	92,714,000	92,714,000	102,941,000	102,941,000	112,179,000	112,179,000	119,867,000	119,867,000	127,748,000	127,748,000	137,389,000	137,389,000	146,559,000	146,559,000	21,016,000	21,016,000	23,875,000	23,875,000	27,667,000	27,667,000	29,840,000	29,840,000	14,205,000	17,699,000	27,844,000	27,844,000	35,528,000	35,528,000	43,760,000	43,760,000
total non-current liabilities	1,012,149,000	1,012,149,000	1,332,519,000	1,332,519,000	1,513,421,000	1,896,399,000	1,896,399,000	1,148,183,000	1,148,183,000	2,371,814,000	2,371,814,000	2,304,933,000	2,304,933,000	1,106,112,000	1,106,112,000	1,319,529,000	1,319,529,000	2,677,410,000	2,677,410,000	2,348,711,000	2,348,711,000	1,640,035,000	1,640,035,000																2,794,754,000			3,070,107,000	2,862,531,000	2,834,136,000	2,834,136,000	2,531,070,000	2,531,070,000	298,701,000	298,701,000	430,153,000	597,277,000	345,070,000	373,272,000	373,272,000	337,980,000	337,980,000	245,836,000	245,836,000
total liabilities	11,242,171,000	11,242,171,000	10,909,889,000	10,909,889,000	11,411,140,000	11,500,773,000	11,500,773,000	12,101,003,000	12,101,003,000	12,928,468,000	12,928,468,000	13,349,647,000	13,349,647,000	13,430,709,000	13,430,709,000	13,935,947,000	13,935,947,000	14,517,744,000	14,517,744,000	15,583,694,000	15,583,694,000	14,121,952,000	14,121,952,000	14,440,782,000	14,440,782,000	13,888,720,000	13,888,720,000	13,008,600,000	13,008,600,000	12,958,385,000	12,958,385,000	12,812,929,000	12,812,929,000	12,994,353,000	12,994,353,000	13,337,792,000	13,337,792,000	14,814,427,000	14,814,427,000	17,221,976,000	17,221,976,000	17,387,392,000	16,175,544,000	12,636,755,000	12,636,755,000	10,772,210,000	10,772,210,000	7,598,914,000	7,598,914,000	7,286,581,000	8,363,783,000	8,363,783,000	9,684,258,000	9,684,258,000	12,648,447,000	12,648,447,000	15,261,269,000	15,261,269,000	13,028,058,000	8,706,216,000
shareholders’ equity:
class a ordinary shares	206,000	206,000	205,000	205,000	205,000	205,000	205,000	201,000	201,000	200,000	200,000	200,000	200,000	199,000	199,000	192,000	192,000	192,000	192,000	192,000	192,000	191,000	191,000	190,000	190,000	190,000	190,000	181,000	181,000	180,000	180,000	180,000	180,000	179,000	179,000	177,000	177,000	176,000	176,000	175,000	175,000	173,000	172,000	170,000	170,000	166,000	166,000	166,000	166,000	164,000	158,000	160,000	155,000	155,000	149,000	149,000	144,000	144,000
class b ordinary shares	41,000	41,000	41,000	41,000	41,000	41,000	41,000	41,000	41,000	41,000	41,000	41,000	41,000	41,000	41,000	47,000	47,000	47,000	47,000	47,000	47,000	47,000	47,000	47,000	47,000	47,000	47,000	57,000	57,000	57,000	57,000	57,000	57,000	57,000	57,000	58,000	58,000	58,000	58,000	58,000	58,000	59,000	59,000	61,000	61,000	64,000	64,000	64,000	64,000	64,000	68,000	66,000	68,000	68,000	68,000	68,000	68,000	68,000
treasury stock	-386,573,000	-386,573,000	-293,815,000	-293,815,000	-305,025,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-328,764,000	-309,217,000	-309,217,000	-201,163,000	-201,163,000	-25,482,000	-25,482,000
additional paid-in capital	3,371,632,000	3,371,632,000	3,348,303,000	3,348,303,000	3,331,382,000	3,314,866,000	3,314,866,000	3,276,302,000	3,276,302,000	3,254,489,000	3,254,489,000	3,229,327,000	3,229,327,000	3,204,961,000	3,204,961,000	3,171,101,000	3,171,101,000	3,143,543,000	3,143,543,000	3,114,777,000	3,114,777,000	3,081,254,000	3,081,254,000								2,918,993,000								2,724,006,000			2,627,880,000	2,575,651,000	2,519,886,000	2,519,886,000	2,454,550,000	2,454,550,000	2,410,506,000	2,410,506,000	2,368,123,000	2,328,716,000	2,328,716,000	2,303,305,000	2,303,305,000	2,265,640,000	2,265,640,000	2,233,391,000	2,233,391,000
statutory reserves	1,178,309,000	1,178,309,000	1,178,309,000	1,178,309,000	1,178,309,000	1,178,309,000	1,178,309,000	1,106,579,000	1,106,579,000	1,106,579,000	1,106,579,000	1,106,579,000	1,106,579,000	1,106,579,000	1,106,579,000	1,022,592,000	1,022,592,000	1,022,592,000	1,022,592,000	1,022,592,000	1,022,592,000	1,022,592,000	1,022,592,000	901,322,000	901,322,000	901,322,000	901,322,000	901,322,000	901,322,000	901,322,000	901,322,000	649,234,000	649,234,000	649,234,000	649,234,000	649,234,000	649,234,000	649,234,000	649,234,000	352,313,000	352,313,000	352,313,000	352,313,000	352,313,000	352,313,000	200,262,000	200,262,000	200,262,000	200,262,000	200,262,000	200,262,000	200,262,000	55,861,000	55,861,000	55,861,000	55,861,000	55,861,000	55,861,000
accumulated other comprehensive income	-26,300,000	-26,300,000	-24,123,000	-24,123,000	-31,818,000	-29,559,000		-30,201,000	-30,201,000	-24,776,000	-24,776,000	-11,222,000	-11,222,000	-13,545,000		-41,386,000	-41,386,000	-41,424,000	-41,424,000	-16,845,000	-16,845,000			-33,504,000	-33,504,000	-8,334,000	-8,334,000	12,281,000	12,281,000	11,273,000	11,273,000	5,605,000	5,605,000	6,541,000	6,541,000	1,237,000	1,237,000	3,308,000	3,308,000
retained earnings	7,687,241,000	7,687,241,000	7,395,979,000	7,395,979,000	7,035,232,000	6,604,908,000	6,604,908,000	6,399,905,000	6,399,905,000	6,083,144,000	6,083,144,000	5,942,234,000	5,942,234,000	5,740,611,000	5,740,611,000	5,948,121,000	5,948,121,000	5,577,496,000	5,577,496,000	5,221,763,000	5,221,763,000	4,894,273,000	4,894,273,000	4,714,127,000	4,714,127,000	4,438,665,000	4,438,665,000	4,273,890,000	4,273,890,000	4,195,791,000	4,195,791,000	4,191,845,000	4,191,845,000	3,611,194,000	3,611,194,000	2,825,495,000	2,825,495,000	2,113,956,000	2,113,956,000	1,901,201,000	1,901,201,000	1,556,506,000	1,137,470,000	3,734,397,000	3,734,397,000	3,368,526,000	3,368,526,000	2,644,160,000	2,644,160,000	2,174,880,000
total shareholders’ equity	11,824,556,000	11,824,556,000	11,604,899,000	11,604,899,000	11,208,326,000	10,740,006,000	10,740,006,000	10,424,063,000	10,424,063,000	10,090,913,000	10,090,913,000	9,938,395,000	9,938,395,000	9,710,082,000	9,710,082,000	9,771,903,000	9,771,903,000	9,373,682,000	9,373,682,000	9,013,762,000	9,013,762,000	8,648,751,000	8,648,751,000	8,357,643,000	8,357,643,000	8,174,849,000	8,174,849,000	8,179,452,000	8,179,452,000	8,067,809,000	8,067,809,000	7,757,859,000	7,757,859,000	7,130,544,000	7,130,544,000	6,292,018,000	6,292,018,000	5,530,738,000	5,530,738,000	4,920,243,000	4,920,243,000	4,530,042,000	4,059,684,000	6,599,539,000	6,599,539,000	6,022,618,000	6,022,618,000	5,241,547,000	5,241,547,000	4,719,646,000	4,106,792,000	4,106,792,000	2,816,395,000	2,816,395,000	2,450,030,000	2,450,030,000	1,927,127,000	1,927,127,000
total liabilities and shareholders’ equity	23,066,727,000	23,066,727,000	22,514,788,000	22,514,788,000	22,619,466,000	22,240,779,000	22,240,779,000	22,525,066,000	22,525,066,000	23,019,381,000	23,019,381,000	23,288,042,000	23,288,042,000	23,140,791,000	23,140,791,000	23,707,850,000	23,707,850,000	23,891,426,000	23,891,426,000	24,597,456,000	24,597,456,000	22,770,703,000	22,770,703,000	22,798,425,000	22,798,425,000	22,063,569,000	22,063,569,000	21,188,052,000	21,188,052,000	21,026,194,000	21,026,194,000	20,570,788,000	20,570,788,000	20,124,897,000	20,124,897,000	19,629,810,000	19,629,810,000	20,345,165,000	20,345,165,000	22,142,219,000	22,142,219,000	21,917,434,000	20,235,228,000	19,236,294,000	19,236,294,000	16,794,828,000	16,794,828,000	12,840,461,000	12,840,461,000	12,006,227,000	12,470,575,000	12,470,575,000	12,500,653,000	12,500,653,000	15,098,477,000	15,098,477,000	17,188,396,000	17,188,396,000
short‑term borrowings						690,772,000	690,772,000	552,589,000	552,589,000	608,093,000	608,093,000	579,522,000	579,522,000	502,013,000	502,013,000	814,923,000	814,923,000	1,094,572,000	1,094,572,000	1,453,320,000	1,453,320,000	1,168,046,000	1,168,046,000	1,245,682,000	1,245,682,000	1,270,739,000	1,270,739,000	1,737,830,000	1,737,830,000	1,799,741,000	1,799,741,000	1,768,792,000	1,768,792,000	1,884,459,000	1,884,459,000	2,066,075,000	2,066,075,000	1,827,063,000		2,155,572,000	2,155,572,000
convertible notes												142,710,000	142,710,000	505,450,000	505,450,000	905,676,000	905,676,000	1,442,358,000	1,442,358,000	1,759,669,000	1,759,669,000	2,063,545,000	2,063,545,000			1,985,144,000	1,985,144,000	1,876,133,000	1,876,133,000	1,882,689,000	1,882,689,000	1,913,449,000	1,913,449,000	1,904,358,000	1,904,358,000	1,935,501,000	1,935,501,000	1,920,227,000	1,920,227,000	2,002,444,000	2,002,444,000	2,079,875,000	2,079,755,000	2,046,051,000	2,046,051,000	2,072,631,000	2,072,631,000
restricted term deposit							58,497,000								105,182,000								1,061,858,000
short-term investments							80,000,000								200,000,000								270,000,000
short-term financing receivables, net of allowance for credit losses of rmb58,594 and rmb102,124 as of december 31, 2023 and december 31, 2024, respectively							4,668,715,000
short-term contract assets and receivables, net of allowance for credit losses of rmb436,136 and rmb409,590 as of december 31, 2023 and december 31, 2024, respectively							5,448,057,000
long-term financing receivables, net of allowance for credit losses of rmb3,087 and rmb1,820 as of december 31, 2023 and december 31, 2024, respectively							112,427,000
long-term contract assets and receivables, net of allowance for credit losses of rmb61,838 and rmb30,919 as of december 31, 2023 and december 31, 2024, respectively							317,402,000
other assets, net of allowance of credit losses of rmb224,834 and rmb 231,446 as of december 31, 2023 and december 31, 2024, respectively							500,363,000
accumulated other comprehensive loss							-29,559,000								-13,545,000							-20,842,000																		-10,576,000	-10,576,000	-6,889,000	-5,981,000	-7,288,000	-7,288,000	-950,000	-950,000	-13,611,000	-13,611,000	-23,847,000	-14,308,000		-20,050,000	-20,050,000	-32,774,000	-32,774,000	-58,200,000	-58,200,000
short-term financing receivables, net of allowance for credit losses of rmb184,187 and rmb58,594 as of december 31, 2022 and december 31, 2023, respectively															3,944,000,000
short-term contract assets and receivables, net of allowance for credit losses of rmb216,850 and rmb436,136 as of december 31, 2022 and december 31, 2023, respectively															6,112,981,000
long-term financing receivables, net of allowance for credit losses of rmb13,220 and rmb3,087 as of december 31, 2022 and december 31, 2023, respectively															200,514,000
long-term contract assets and receivables, net of allowance for credit losses of rmb52,742 and rmb61,838 as of december 31, 2022 and december 31, 2023, respectively															599,818,000
other assets, net of allowance of credit losses of rmb19,491 and rmb 224,834 as of december 31, 2022 and december 31, 2023, respectively															861,491,000
non-controlling interests																								40,850,000	40,850,000	40,619,000	40,619,000	62,510,000	62,510,000	40,193,000	40,193,000	40,616,000	40,616,000	40,505,000	40,505,000	39,542,000	39,542,000	40,000,000	40,000,000
short-term financing receivables, net of allowance for credit losses of rmb308,708 and rmb184,187 as of december 31, 2021 and december 31, 2022, respectively																							6,397,920,000
short-term contract assets and receivables, net of allowance for credit losses of rmb208,267 and rmb216,850 as of december 31, 2021 and december 31, 2022, respectively																							3,894,175,000
long-term financing receivables, net of allowance for credit losses of rmb19,523 and rmb13,220 as of december 31, 2021 and december 31, 2022, respectively																							460,325,000
long-term contract assets and receivables, net of allowance for credit losses of rmb39,034 and rmb52,742 as of december 31, 2021 and december 31, 2022, respectively																							605,051,000
accumulated other comprehensive gain																							-20,842,000
restricted time deposits																								1,321,762,000	1,321,762,000	1,303,934,000	1,303,934,000	1,851,454,000	1,851,454,000	1,745,898,000	1,745,898,000	1,702,386,000	1,702,386,000	1,688,553,000	1,688,553,000	1,850,241,000	1,850,241,000	1,779,458,000	1,779,458,000	2,067,485,000	2,067,485,000	2,305,679,000	2,005,327,000	1,962,293,000	1,962,293,000	1,296,313,000	1,296,313,000	784,904,000	784,904,000	210,000,000	344,212,000	344,212,000	505,809,000	505,809,000	248,306,000	248,306,000	137,774,000	137,774,000
short-term financing receivables, net of allowance for credit losses of rmb307,341 and rmb181,612 as of december 31, 2021 and september 30, 2022, respectively																								6,119,987,000	6,119,987,000
loans at fair value																								295,527,000	295,527,000	271,552,000	271,552,000	281,712,000	281,712,000	252,970,000	252,970,000	154,138,000	154,138,000	192,389,000	192,389,000	257,669,000	257,669,000	381,393,000	381,393,000	367,438,000	367,438,000	349,627,000
accrued interest receivable, net of allowance for credit losses of rmb1,367 and rmb2,033 as of december 31, 2021 and september 30, 2022, respectively																								91,619,000	91,619,000
prepaid expenses and other current assets																								874,057,000	874,057,000	931,480,000	931,480,000	982,696,000	982,696,000	941,150,000	941,150,000	998,074,000	998,074,000	943,708,000	943,708,000	937,733,000	937,733,000	1,004,845,000	1,004,845,000	1,275,570,000	1,275,570,000	1,140,670,000	1,195,098,000	2,575,927,000	1,324,924,000	1,844,770,000	1,844,770,000	1,607,080,000	1,607,080,000	1,007,286,000	923,827,000	923,827,000	1,420,379,000	1,420,379,000	1,046,605,000	1,046,605,000	920,736,000	920,736,000	945,258,000	219,981,000
short-term guarantee receivables, net of allowance for credit losses of rmb21,006 and rmb42,128 as of december 31, 2021 and september 30, 2022, respectively																								810,503,000	810,503,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb187,261 and rmb141,631 as of december 31, 2021 and september 30, 2022, respectively																								2,855,505,000	2,855,505,000
non‑current assets
long‑term financing receivables, net of allowance for credit losses of rmb19,523 and rmb13,436 as of december 31, 2021 and september 30, 2022, respectively																								450,945,000	450,945,000
long-term guarantee receivables, net of allowance for credit losses of rmb4,061 and rmb9,384 as of december 31, 2021 and september 30, 2022, respectively																								177,387,000	177,387,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb34,973 and rmb31,025 as of december 31, 2021 and september 30, 2022, respectively																								315,070,000	315,070,000
total non‑current assets																								5,013,652,000	5,013,652,000	4,943,323,000	4,943,323,000	4,520,851,000	4,520,851,000	4,370,830,000	4,370,830,000	4,286,541,000	4,286,541,000	4,105,552,000	4,105,552,000	3,882,408,000	3,882,408,000	3,926,983,000		3,695,025,000	3,695,025,000
accrued interest payable																								1,148,000	1,148,000	12,301,000	12,301,000	5,784,000	5,784,000	24,851,000	24,851,000	41,107,000	41,107,000	44,437,000	44,437,000	28,692,000	28,692,000	36,484,000	36,484,000	59,128,000	59,128,000	92,071,000	87,663,000	87,003,000	87,003,000	73,125,000	73,125,000	91,050,000	91,050,000	117,808,000	182,280,000	182,280,000	325,753,000	325,753,000	367,033,000	367,033,000	328,434,000	328,434,000
accrued expenses and other current liabilities																								3,225,570,000	3,225,570,000	3,334,080,000	3,334,080,000	3,663,035,000	3,663,035,000	3,873,657,000	3,873,657,000	3,532,990,000	3,532,990,000	3,128,980,000	3,128,980,000	2,631,827,000	2,631,827,000	2,926,347,000	2,926,347,000	2,453,386,000	2,453,386,000	2,081,547,000	1,962,313,000	2,013,388,000	1,394,639,000	2,705,187,000	2,705,187,000	2,050,889,000	2,050,889,000		2,566,630,000	2,145,689,000	1,949,654,000	1,949,654,000	1,706,734,000	1,706,734,000	1,297,492,000	1,297,492,000	1,611,029,000	602,259,000
convertible loans																								2,101,816,000	2,101,816,000
non‑current liabilities
long term borrowings																								102,700,000	102,700,000
total non‑current liabilities																								2,328,718,000	2,328,718,000	4,374,860,000	4,374,860,000	3,862,833,000	3,862,833,000	2,771,265,000	2,771,265,000	2,797,828,000	2,797,828,000	2,579,805,000	2,579,805,000	2,199,297,000	2,199,297,000	2,794,754,000		3,254,411,000	3,254,411,000
additional paid‑in capital																								3,043,828,000	3,043,828,000	3,003,503,000	3,003,503,000	2,954,693,000	2,954,693,000	2,918,993,000		2,870,322,000	2,870,322,000	2,822,834,000	2,822,834,000	2,776,275,000	2,776,275,000	2,724,006,000		2,677,072,000	2,677,072,000
short-term financing receivables, net of allowance for credit losses of rmb307,341 and rmb129,647 as of december 31, 2021 and june 30, 2022, respectively																										5,402,992,000	5,402,992,000
accrued interest receivable, net of allowance for credit losses of rmb1,367 and rmb1,737 as of december 31, 2021 and june 30, 2022, respectively																										77,037,000	77,037,000
short-term guarantee receivables, net of allowance for credit losses of rmb21,006 and rmb36,295 as of december 31, 2021 and june 30, 2022, respectively																										677,396,000	677,396,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb187,261 and rmb133,842 as of december 31, 2021 and june 30, 2022, respectively																										2,911,048,000	2,911,048,000
long‑term financing receivables, net of allowance for credit losses of rmb19,523 and rmb11,200 as of december 31, 2021 and june 30, 2022, respectively																										470,145,000	470,145,000
long-term guarantee receivables, net of allowance for credit losses of rmb4,061 and rmb7,323 as of december 31, 2021 and june 30, 2022, respectively																										133,663,000	133,663,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb34,973 and rmb26,491 as of december 31, 2021 and june 30, 2022, respectively																										259,322,000	259,322,000
short-term financing receivables, net of allowance for credit losses of rmb307,341 and rmb44,778 as of december 31, 2021 and march 31, 2022, respectively																												4,174,599,000	4,174,599,000
accrued interest receivable, net of allowance for credit losses of rmb1,367 and rmb1,452 as of december 31, 2021 and march 31, 2022, respectively																												63,552,000	63,552,000
short-term guarantee receivables, net of allowance for credit losses of rmb21,006 and rmb25,675 as of december 31, 2021 and march 31, 2022, respectively																												573,066,000	573,066,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb187,261 and rmb137,153 as of december 31, 2021 and march 31, 2022, respectively																												3,289,348,000	3,289,348,000
long‑term financing receivables, net of allowance for credit losses of rmb19,523 and rmb3,007 as of december 31, 2021 and march 31, 2022 respectively																												287,125,000	287,125,000
long-term guarantee receivables, net of allowance for credit losses of rmb4,061 and rmb4,859 as of december 31, 2021 and march 31, 2022, respectively																												105,367,000	105,367,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb34,973 and rmb25,243 as of december 31, 2021 and march 31, 2022, respectively																												179,498,000	179,498,000
short-term financing receivables, net of allowance for credit losses of rmb508,013 and rmb307,341 as of december 31, 2020 and december 31, 2021, respectively																														3,772,975,000	3,772,975,000
accrued interest receivable, net of allowance for credit losses of nil rmb1,681 and rmb1,367 as of december 31, 2020 and december 31, 2021, respectively																														53,513,000
short-term guarantee receivables, net of allowance for credit losses of rmb58,771 and rmb21,006 as of december 31, 2020 and december 31, 2021, respectively																														543,949,000	543,949,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb65,607 and rmb187,261 as of december 31, 2020 and december 31, 2021, respectively																														3,942,700,000	3,942,700,000
long‑term financing receivables, net of allowance for credit losses of rmb21,149 and rmb19,523 as of december 31, 2020 and december 31, 2021 respectively																														241,127,000	241,127,000
long-term guarantee receivables, net of allowance for credit losses of rmb16,994 and rmb4,061 as of december 31, 2020 and december 31, 2021, respectively																														101,562,000	101,562,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb18,970 and rmb34,973 as of december 31, 2020 and december 31, 2021, respectively																														244,672,000	244,672,000
accrued interest receivable, net of allowance for credit losses of rmb1,681 and rmb1,367 as of december 31, 2020 and december 31, 2021, respectively																															53,513,000
commitments and contingencies
total equity attributable to owners of the company																															8,027,616,000								5,490,738,000
short-term financing receivables, net of allowance for credit losses of rmb508,013 and rmb702,654 as of december 31, 2020 and september 30, 2021, respectively																																2,983,686,000	2,983,686,000
accrued interest receivable, net of allowance for credit losses of rmb1,681 and rmb1,309 as of december 31, 2020 and september 30, 2021, respectively																																56,662,000	56,662,000
short-term guarantee receivables, net of allowance for credit losses of rmb58,771 and rmb36,779 as of december 31, 2020 and september 30, 2021, respectively																																435,006,000	435,006,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb65,607 and rmb205,943 as of december 31, 2020 and september 30, 2021, respectively																																4,407,408,000	4,407,408,000
long‑term financing receivables, net of allowance for credit losses of rmb21,149 and rmb36,102 as of december 31, 2020 and september 30, 2021 respectively																																150,345,000	150,345,000
long-term guarantee receivables, net of allowance for credit losses of rmb16,994 and rmb8,591 as of december 31, 2020 and september 30, 2021, respectively																																109,163,000	109,163,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb18,970 and rmb48,103 as of december 31, 2020 and september 30, 2021, respectively																																457,018,000	457,018,000
-
short-term financing receivables, net of allowance for credit losses of rmb508,013 and rmb587,650 as of december 31, 2020 and june 30, 2021, respectively																																		3,481,588,000	3,481,588,000
accrued interest receivable, net of allowance for credit losses of rmb1,681 and rmb1,280 as of december 31, 2020 and june 30, 2021, respectively																																		57,289,000	57,289,000
short-term guarantee receivables, net of allowance for credit losses of rmb58,771 and rmb56,707 as of december 31, 2020 and june 30, 2021, respectively																																		531,177,000	531,177,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb65,607 and rmb208,037 as of december 31, 2020 and june 30, 2021, respectively																																		4,264,576,000	4,264,576,000
long‑term financing receivables, net of allowance for credit losses of rmb21,149 and rmb22,406 as of december 31, 2020 and june 30, 2021 respectively																																		134,596,000	134,596,000
long-term guarantee receivables, net of allowance for credit losses of rmb16,994 and rmb15,001 as of december 31, 2020 and june 30, 2021, respectively																																		142,529,000	142,529,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb18,970 and rmb55,032 as of december 31, 2020 and june 30, 2021, respectively																																		542,186,000	542,186,000
short-term financing receivables, net of allowance for credit losses of rmb508,013 and rmb584,218 as of december 31, 2020 and march 31, 2021, respectively																																				3,675,786,000	3,675,786,000
accrued interest receivable, net of allowance for credit losses of rmb1,681 and rmb1,681 as of december 31, 2020 and march 31, 2021, respectively																																				63,008,000	63,008,000
short-term guarantee receivables, net of allowance for credit losses of rmb58,771 and rmb64,694 as of december 31, 2020 and march 31, 2021, respectively																																				648,588,000	648,588,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb65,607 and rmb154,514 as of december 31, 2020 and march 31, 2021, respectively																																				3,751,139,000	3,751,139,000
long‑term financing receivables, net of allowance for credit losses of rmb21,149 and rmb20,068 as of december 31, 2020 and march 31, 2021 respectively																																				131,267,000	131,267,000
long-term guarantee receivables, net of allowance for credit losses of rmb16,994 and rmb17,495 as of december 31, 2020 and march 31, 2021, respectively																																				175,393,000	175,393,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb18,970 and rmb41,784 as of december 31, 2020 and march 31, 2021, respectively																																				521,623,000	521,623,000
short-term financing receivables, net of allowance for credit losses of rmb318,262 and rmb508,013 as of december 31, 2019 and december 31, 2020, respectively																																						4,918,548,000
accrued interest receivable, net of allowance for credit losses of nil and rmb1,681 as of december 31, 2019 and december 31, 2020, respectively																																						79,793,000
short-term guarantee receivables, net of allowance for credit losses of rmb49,833 and rmbb58,771 as of december 31, 2019 and december 31, 2020, respectively																																						756,197,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb94,894 and rmb65,607 as of december 31, 2019 and december 31, 2020, respectively																																						3,707,649,000
long‑term financing receivables, net of allowance for credit losses of rmb55,283 and rmb21,149 as of december 31, 2019 and december 31, 2020, respectively																																						204,761,000
long-term guarantee receivables, net of allowance for credit losses of rmb750 and rmb16,994 as of december 31, 2019 and december 31, 2020, respectively																																						218,654,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb2,845 and rmb18,970 as of december 31, 2019 and december 31, 2020, respectively																																						481,989,000
guarantee liabilities																																												1,726,368,000	1,726,368,000
funds payable to individual investors																																								930,018,000	930,018,000	1,292,863,000	600,023,000		618,749,000
short-term financing receivables, net of allowance for credit losses of rmb318,262 and rmb508,013 as of december 31, 2019 and 2020, respectively																																							4,918,548,000
accrued interest receivable, net of allowance for credit losses of nil and rmb1,681 as of december 31, 2019 and 2020, respectively																																							79,793,000
short-term guarantee receivables, net of allowance for credit losses of rmb49,833 and rmb58,771 as of december 31, 2019 and 2020, respectively																																							756,197,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb94,894 and rmb65,607 as of december 31, 2019 and 2020, respectively																																							3,707,649,000
long‑term financing receivables, net of allowance for credit losses of rmb55,283 and rmb21,149 as of december 31, 2019 and 2020, respectively																																							204,761,000
long-term guarantee receivables, net of allowance for credit losses of rmb750 and rmb16,994 as of december 31, 2019 and 2020, respectively																																							218,654,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb2,845 and rmb18,970 as of december 31, 2019 and 2020, respectively																																							481,989,000
short-term borrowings																																							1,827,063,000			2,442,215,000	2,127,400,000	1,977,691,000	1,977,691,000	1,181,700,000	1,181,700,000	664,500,000	664,500,000	230,749,000	438,010,000	438,010,000	673,716,000	673,716,000	439,069,000	439,069,000	317,647,000	317,647,000	168,844,000
short-term funding debts																																							4,685,935,000			4,651,585,000	4,259,188,000	3,755,528,000	3,755,528,000	3,376,854,000	3,376,854,000	3,551,661,000	3,551,661,000	3,752,367,000	4,393,834,000	4,646,041,000	6,125,375,000	6,125,375,000	9,579,317,000	9,579,317,000	12,879,710,000	12,879,710,000	10,525,134,000	6,968,488,000
long-term funding debts																																							825,814,000			911,118,000	719,366,000	450,595,000	450,595,000	122,542,000	122,542,000	25,773,000	25,773,000	210,894,000	410,094,000	157,887,000	373,272,000	373,272,000	337,980,000	337,980,000	245,836,000	245,836,000	166,629,000	21,014,000
short-term financing receivables, net of allowance for credit losses of rmb318,262 and rmb772,813 as of december 31, 2019 and september 30, 2020, respectively																																								4,914,926,000	4,914,926,000
accrued interest receivable, net of allowance for credit losses of nil and rmb1,681 as of december 31, 2019 and september 30, 2020, respectively																																								91,837,000	91,837,000
short-term guarantee receivables, net of allowance for credit losses of rmb49,833 and rmb17,544 as of december 31, 2019 and september 30, 2020, respectively																																								1,079,194,000	1,079,194,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb94,894 and rmb61,428 as of december 31, 2019 and september 30, 2020, respectively																																								3,545,337,000	3,545,337,000
long‑term financing receivables, net of allowance for credit losses of rmb55,283 and rmb34,462 as of december 31, 2019 and september 30, 2020, respectively																																								257,967,000	257,967,000
long-term guarantee receivables, net of allowance for credit losses of rmb750 and rmb3,910 as of december 31, 2019 and september 30, 2020, respectively																																								240,540,000	240,540,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb2,845 and rmb13,692 as of december 31, 2019 and september 30, 2020, respectively																																								364,600,000	364,600,000
short-term financing receivables, net of allowance for credit losses of rmb318,262 and rmb680,367 as of december 31, 2019 and june 30, 2020, respectively																																										4,718,582,000
accrued interest receivable, net of allowance for credit losses of nil and rmb1,681 as of december 31, 2019 and june 30, 2020, respectively																																										94,359,000
short-term guarantee receivables, net of allowance for credit losses of rmb49,833 and rmb26,788 as of december 31, 2019 and june 30, 2020, respectively																																										1,070,012,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb94,894 and rmb62,644 as of december 31, 2019 and june 30, 2020, respectively																																										3,160,563,000
long-term financing receivables, net of allowance for credit losses of rmb55,283 and rmb44,249 as of december 31, 2019 and june 30, 2020, respectively																																										341,378,000
long-term guarantee receivables, net of allowance for credit losses of rmb750 and rmb5,698 as of december 31, 2019 and june 30, 2020, respectively																																										227,612,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb2,845 and rmb13,326 as of december 31, 2019 and june 30, 2020, respectively																																										362,578,000
long-term investments																																										510,444,000	517,971,000	511,605,000	511,605,000	515,042,000	515,042,000	226,800,000	226,800,000	192,083,000	186,073,000	186,073,000	175,982,000	175,982,000	18,821,000	18,821,000	22,693,000	22,693,000	23,485,000
shareholders’ equity
short-term financing receivables, net of allowance for credit losses of rmb318,262 and rmb1,352,350 as of december 31, 2019 and march 31, 2020, respectively																																											4,344,717,000
accrued interest receivable, net of allowance for credit losses of nil and rmb1,681 as of december 31, 2019 and march 31, 2020, respectively																																											74,696,000
short-term guarantee receivables, net of allowance for credit losses of rmb49,833 and rmb21,851 as of december 31, 2019 and march 31, 2020, respectively																																											1,119,627,000
short-term contract assets and service fees receivable, net of allowance for credit losses of rmb94,894 and rmb81,722 as of december 31, 2019 and march 31, 2020, respectively																																											3,061,529,000
long-term financing receivables, net of allowance for credit losses of rmb55,283 and rmb87,916 as of december 31, 2019 and march 31, 2020, respectively																																											455,277,000
long-term guarantee receivables, net of allowance for credit losses of rmb750 and rmb4,305 as of december 31, 2019 and march 31, 2020, respectively																																											220,611,000
long-term contract assets and service fees receivable, net of allowance for credit losses of rmb2,845 and rmb16,102 as of december 31, 2019 and march 31, 2020, respectively																																											384,992,000
accrued interest receivable																																												54,284,000	54,284,000	50,773,000	50,773,000	57,660,000	57,660,000	66,465,000	82,943,000	82,943,000	104,174,000	104,174,000	145,037,000	145,037,000	168,499,000	168,499,000
guarantee receivables																																												1,183,278,000	1,183,278,000
contract assets and service fees receivable																																												2,971,976,000	2,971,976,000	2,467,713,000	2,467,713,000	1,509,450,000	1,509,450,000	1,142,136,000	946,293,000	946,293,000
																																													2,019,000
risk safeguard fund receivable																																														570,665,000	570,665,000	630,337,000	630,337,000	514,954,000	395,025,000	395,025,000
risk safeguard fund payable																																														670,671,000	670,671,000	672,367,000	672,367,000	546,998,000		456,276,000
other assets*																																																		156,545,000
accrued expenses and other current liabilities*																																																		2,055,698,000
other long-term liabilities*																																																		52,188,000
contract liabilities																																																			35,335,000
(accumulated deficit)/retained earnings																																																			1,591,896,000	1,591,896,000	477,056,000	477,056,000	161,086,000	161,086,000
accumulated deficit																																																									-304,137,000	-304,137,000
selected consolidated balance sheets data:
restricted cash-current																																																											561,992,000
restricted time deposits – current																																																											6,750,000
guarantee receivables, net - current
contract assets and service fees receivable, net - current
restricted cash-noncurrent																																																											46,889,000
guarantee receivables, net - non-current
contract assets and service fees receivable, net - non-current
convertible loans -non-current
convertible notes -non-current
total mezzanine equity																																																												625,570,000
total shareholders’ (deficit)/equity																																																											1,701,526,000
restricted cash—current																																																												172,870,000
restricted cash—non-current
convertible loans—non-current																																																												698,179,000
period
2013																																																												6,141.2
2014																																																												6,170.4
2015																																																												6,286.9
2016																																																												6,654.9
2017																																																												6,735
october																																																												6,625.4
november																																																												6,620
december																																																												6,593.2
2018
january																																																												6,423.3
february																																																												6,318.3
march																																																												6,317.4
april																																																												6,285.9

Cashflow Statements:

Quarterly

Annual

Unit: USD

LexinFintech Holdings Ltd(NASDAQ:LX)

LexinFintech Holdings Ltd
(NASDAQ:LX)