Yiren Digital Ltd(NYSE:YRD) 
Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors primarily in the People's Republic of China. The company provides loan facilitation services; post-origination services, such as cash processing, collection, and SMS...
Website: http://www.yirendai.com
Full Time Employees: 31,388
Sector: Financial Services
Industry: Credit Services
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| Unit: USD | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2019-11-30 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2016-08-10 | 2015-12-31 |
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Balance Sheets:
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| Unit: USD | 2025-11-26 | 2025-08-22 | 2025-06-30 | 2025-06-13 | 2025-03-31 | 2025-03-21 | 2024-12-31 | 2024-11-21 | 2024-09-30 | 2024-08-20 | 2024-06-30 | 2024-06-24 | 2024-03-31 | 2024-03-22 | 2023-12-31 | 2023-11-22 | 2023-09-30 | 2023-08-18 | 2023-06-30 | 2023-06-12 | 2023-03-31 | 2023-03-17 | 2022-12-31 | 2022-11-23 | 2022-11-04 | 2022-09-30 | 2022-09-01 | 2022-06-30 | 2021-12-31 | 2021-11-26 | 2021-09-30 | 2021-08-20 | 2021-06-30 | 2021-06-10 | 2021-04-30 | 2021-03-31 | 2020-12-31 | 2020-11-30 | 2020-09-30 | 2020-08-31 | 2020-06-30 | 2020-03-31 | 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 | 2017-11-30 | 2017-09-30 | 2017-08-02 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-08-10 | 2016-03-31 | 2015-12-31 |
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cash and cash equivalents | 4,098,851,000 | 4,043,590,000 | 4,098,851,000 | 4,043,590,000 | 4,043,590,000 | 3,705,866,000 | 3,841,284,000 | 5,496,932,000 | 3,705,866,000 | 5,903,995,000 | 5,496,932,000 | 5,903,995,000 | 5,903,995,000 | 5,437,972,000 | 5,791,333,000 | 5,808,775,000 | 5,437,972,000 | 5,077,211,000 | 5,808,775,000 | 5,077,211,000 | 5,077,211,000 | 3,612,972,000 | 4,271,899,000 | 4,354,487,000 | 4,354,487,000 | 3,612,972,000 | 2,328,380,000 | 4,354,487,000 | 2,864,543,000 | 2,192,500,000 | 2,328,380,000 | 2,362,310,000 | 2,192,500,000 | 2,362,310,000 | 2,836,229,000 | 2,362,310,000 | 2,469,909,000 | 2,935,543,000 | 2,836,229,000 | 3,194,993,000 | 2,935,543,000 | 3,194,993,000 | 806,946,000 | 2,028,748,000 | 567,502,000 | 806,946,000 | 1,666,866,000 | 567,502,000 | 1,666,866,000 | 1,403,529,000 | 1,857,175,000 | 891,154,000 | 1,403,529,000 | 864,361,000 | 891,154,000 | 864,361,000 | 968,225,000 | 1,109,991,000 | 1,109,991,000 | 130,641,000 |
restricted cash | 354,757,000 | 312,818,000 | 354,757,000 | 312,818,000 | 312,818,000 | 154,922,000 | 260,273,000 | 201,529,000 | 154,922,000 | 89,221,000 | 201,529,000 | 89,221,000 | 89,221,000 | 137,836,000 | 267,271,000 | 15,777,000 | 137,836,000 | 55,062,000 | 15,777,000 | 55,062,000 | 55,062,000 | 48,346,000 | 88,796,000 | 72,921,000 | 72,921,000 | 48,346,000 | 91,830,000 | 72,921,000 | 80,800,000 | 88,160,000 | 91,830,000 | 196,053,000 | 88,160,000 | 196,053,000 | 172,135,000 | 196,053,000 | 237,239,000 | 90,879,000 | 172,135,000 | 43,001,000 | 90,879,000 | 43,001,000 | 112,495,000 | 102,163,000 | 662,580,000 | 112,495,000 | 1,219,932,000 | 662,580,000 | 1,219,932,000 | 1,750,262,000 | 1,805,693,000 | 1,716,768,000 | 1,750,262,000 | 1,410,348,000 | 1,716,768,000 | 1,410,348,000 | 1,218,286,000 | 650,167,000 | 650,167,000 | 74,724,000 |
accounts receivable | 553,660,000 | 583,542,000 | 553,660,000 | 583,542,000 | 583,542,000 | 668,757,000 | 566,541,000 | 654,698,000 | 668,757,000 | 610,745,000 | 654,698,000 | 610,745,000 | 610,745,000 | 432,824,000 | 499,027,000 | 490,680,000 | 432,824,000 | 320,440,000 | 490,680,000 | 320,440,000 | 320,440,000 | 274,623,000 | 221,004,000 | 297,939,000 | 297,939,000 | 274,623,000 | 258,729,000 | 297,939,000 | 305,018,000 | 228,554,000 | 258,729,000 | 148,114,000 | 228,554,000 | 148,114,000 | 100,657,000 | 148,114,000 | 122,742,000 | 27,309,000 | 100,657,000 | 33,902,000 | 27,309,000 | 33,902,000 | 6,616,000 | 8,782,000 | 6,856,000 | 6,616,000 | 10,956,000 | 6,856,000 | 10,956,000 | 24,050,000 | 21,368,000 | 18,109,000 | 24,050,000 | 22,851,000 | 18,109,000 | 22,851,000 | 28,581,000 | 66,090,000 | 66,090,000 | 12,814,000 |
guarantee receivable | 656,019,000 | 620,241,000 | 656,019,000 | 620,241,000 | 620,241,000 | 391,547,000 | 474,132,000 | 260,759,000 | 391,547,000 | 36,787,000 | 260,759,000 | 36,787,000 | 36,787,000 | |||||||||||||||||||||||||||||||||||||||||||||||
contract assets | 1,319,246,000 | 1,114,576,000 | 1,319,246,000 | 1,114,576,000 | 1,114,576,000 | 916,543,000 | 1,008,920,000 | 962,482,000 | 916,543,000 | 994,116,000 | 962,482,000 | 994,116,000 | 994,116,000 | 826,088,000 | 978,051,000 | 694,507,000 | 826,088,000 | 609,969,000 | 694,507,000 | 609,969,000 | 609,969,000 | 502,936,000 | 626,739,000 | 634,079,000 | 634,079,000 | 502,936,000 | 1,191,497,000 | 634,079,000 | 1,105,905,000 | 1,063,470,000 | 1,191,497,000 | 917,995,000 | 1,063,470,000 | 917,995,000 | 1,231,190,000 | 917,995,000 | 750,174,000 | 1,356,886,000 | 1,231,190,000 | 1,873,548,000 | 1,356,886,000 | 1,873,548,000 | 2,115,608,000 | 1,891,438,000 | 2,552,900,000 | 2,115,608,000 | 2,552,900,000 | 2,848,676,000 | ||||||||||||
contract cost | 4,880,000 | 425,000 | 4,880,000 | 425,000 | 425,000 | 279,000 | 294,000 | 206,000 | 279,000 | 18,000 | 206,000 | 18,000 | 18,000 | 271,000 | 32,000 | 356,000 | 271,000 | 480,000 | 356,000 | 480,000 | 480,000 | 1,610,000 | 787,000 | 2,545,000 | 2,545,000 | 1,610,000 | 34,707,000 | 2,545,000 | 9,959,000 | 44,684,000 | 34,707,000 | 62,061,000 | 44,684,000 | 62,061,000 | 124,005,000 | 62,061,000 | 65,529,000 | 145,809,000 | 124,005,000 | 149,917,000 | 145,809,000 | 149,917,000 | 134,577,000 | 139,965,000 | 134,577,000 | |||||||||||||||
prepaid expenses and other assets | 2,486,393,000 | 2,299,149,000 | 2,486,393,000 | 2,299,149,000 | 2,299,149,000 | 2,291,397,000 | 2,361,585,000 | 1,662,654,000 | 2,291,397,000 | 1,273,040,000 | 1,662,654,000 | 1,273,040,000 | 1,273,040,000 | 272,577,000 | 426,511,000 | 297,018,000 | 272,577,000 | 258,786,000 | 297,018,000 | 258,786,000 | 258,786,000 | 361,258,000 | 321,411,000 | 266,636,000 | 266,636,000 | 361,258,000 | 358,052,000 | 266,636,000 | 352,015,000 | 213,942,000 | 358,052,000 | 215,099,000 | 213,942,000 | 215,099,000 | 986,747,000 | 215,099,000 | 278,591,000 | 1,134,257,000 | 986,747,000 | 868,462,000 | 1,134,257,000 | 868,462,000 | 1,180,650,000 | 729,296,000 | 1,228,150,000 | 1,180,650,000 | 1,191,191,000 | 1,228,150,000 | 1,191,191,000 | 1,136,993,000 | 1,068,990,000 | 618,076,000 | 1,136,993,000 | 475,979,000 | 618,076,000 | 475,979,000 | 466,763,000 | 235,401,000 | 235,401,000 | 38,093,000 |
loans at fair value | 480,915,000 | 314,790,000 | 480,915,000 | 314,790,000 | 314,790,000 | 414,803,000 | 421,922,000 | 473,311,000 | 414,803,000 | 655,058,000 | 473,311,000 | 655,058,000 | 655,058,000 | 534,687,000 | 677,835,000 | 412,389,000 | 534,687,000 | 175,411,000 | 412,389,000 | 175,411,000 | 175,411,000 | 11,109,000 | 54,049,000 | 19,812,000 | 19,812,000 | 11,109,000 | 82,474,000 | 19,812,000 | 73,734,000 | 112,931,000 | 82,474,000 | 175,664,000 | 112,931,000 | 175,664,000 | 180,058,000 | 175,664,000 | 192,156,000 | 246,475,000 | 180,058,000 | 313,267,000 | 246,475,000 | 313,267,000 | 1,335,584,000 | 1,075,097,000 | 1,659,310,000 | 1,335,584,000 | 888,786,000 | 1,659,310,000 | 888,786,000 | 558,178,000 | 791,681,000 | 269,952,000 | 558,178,000 | 319,984,000 | 269,952,000 | 319,984,000 | 371,033,000 | 199,358,000 | 199,358,000 | 34,164,000 |
financing receivables | 484,733,000 | 22,040,000 | 484,733,000 | 22,040,000 | 22,040,000 | 28,672,000 | 17,515,000 | 30,501,000 | 28,672,000 | 73,383,000 | 30,501,000 | 73,383,000 | 73,383,000 | 162,411,000 | 116,164,000 | 252,878,000 | 162,411,000 | 371,196,000 | 252,878,000 | 371,196,000 | 371,196,000 | 713,411,000 | 514,388,000 | 960,238,000 | 960,238,000 | 713,411,000 | 1,969,456,000 | 960,238,000 | 1,697,962,000 | 1,738,742,000 | 1,969,456,000 | 1,471,509,000 | 1,738,742,000 | 1,471,509,000 | 267,938,000 | 1,471,509,000 | 1,253,494,000 | 54,876,000 | 267,938,000 | 33,381,000 | 54,876,000 | 33,381,000 | ||||||||||||||||||
amounts due from related parties | 3,131,581,000 | 3,284,281,000 | 3,131,581,000 | 3,284,281,000 | 3,284,281,000 | 3,338,868,000 | 3,387,952,000 | 1,509,651,000 | 3,338,868,000 | 726,991,000 | 1,509,651,000 | 726,991,000 | 726,991,000 | 940,472,000 | 820,181,000 | 1,098,164,000 | 940,472,000 | 1,281,348,000 | 1,098,164,000 | 1,281,348,000 | 1,281,348,000 | 1,124,738,000 | 1,266,232,000 | 935,714,000 | 935,714,000 | 1,124,738,000 | 768,646,000 | 935,714,000 | 879,256,000 | 1,064,703,000 | 768,646,000 | 911,972,000 | 1,064,703,000 | 911,972,000 | 1,584,084,000 | 911,972,000 | 884,006,000 | 1,560,376,000 | 1,584,084,000 | 1,583,859,000 | 1,560,376,000 | 1,583,859,000 | 121,864,000 | 121,464,000 | 119,616,000 | 121,864,000 | 129,229,000 | 119,616,000 | 129,229,000 | 176,867,000 | 117,222,000 | 4,252,000 | 176,867,000 | 18,436,000 | 4,252,000 | 18,436,000 | 1,678,000 | 95,792,000 | 95,792,000 | 13,416,000 |
financial investments | 418,856,000 | 404,059,000 | 418,856,000 | 404,059,000 | 404,059,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
equity investments | 4,633,000 | 9,110,000 | 4,633,000 | 9,110,000 | 9,110,000 | 7,105,000 | 2,500,000 | 7,105,000 | 2,500,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
property, equipment and software | 85,155,000 | 78,358,000 | 85,155,000 | 78,358,000 | 78,358,000 | 80,224,000 | 78,678,000 | 77,970,000 | 80,224,000 | 77,777,000 | 77,970,000 | 77,777,000 | 77,777,000 | 73,446,000 | 79,158,000 | 73,991,000 | 73,446,000 | 75,726,000 | 73,991,000 | 75,726,000 | 75,726,000 | 82,184,000 | 77,256,000 | 92,714,000 | 92,714,000 | 82,184,000 | 115,326,000 | 92,714,000 | 102,548,000 | 123,491,000 | 115,326,000 | 134,351,000 | 123,491,000 | 134,351,000 | 163,696,000 | 134,351,000 | 147,193,000 | 184,957,000 | 163,696,000 | 188,880,000 | 184,957,000 | 188,880,000 | 96,640,000 | 89,831,000 | 96,769,000 | 96,640,000 | 83,279,000 | 96,769,000 | 83,279,000 | 81,515,000 | 82,249,000 | 59,838,000 | 81,515,000 | 42,309,000 | 59,838,000 | 42,309,000 | 35,503,000 | 20,269,000 | 20,269,000 | 2,499,000 |
crypto assets | 203,541,000 | 148,062,000 | 203,541,000 | 148,062,000 | 148,062,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
deferred tax assets | 128,989,000 | 1,000 | 128,989,000 | 1,000 | 1,000 | 54,595,000 | 77,463,000 | 44,309,000 | 54,595,000 | 59,260,000 | 44,309,000 | 59,260,000 | 59,260,000 | 88,231,000 | 73,414,000 | 92,359,000 | 88,231,000 | 90,855,000 | 92,359,000 | 90,855,000 | 90,855,000 | 102,934,000 | 84,187,000 | 75,555,000 | 75,555,000 | 102,934,000 | 6,285,000 | 75,555,000 | 7,388,000 | 8,629,000 | 6,285,000 | 13,906,000 | 8,629,000 | 13,906,000 | 50,175,000 | 13,906,000 | 16,745,000 | 49,051,000 | 50,175,000 | 42,084,000 | 49,051,000 | 42,084,000 | 231,655,000 | 184,136,000 | 429,964,000 | 231,655,000 | 429,964,000 | 747,697,000 | 685,875,000 | 801,089,000 | 559,794,000 | 685,875,000 | 495,464,000 | 559,794,000 | 495,464,000 | 436,402,000 | 27,153,000 | |||
right-of-use assets | 37,190,000 | 38,917,000 | 37,190,000 | 38,917,000 | 38,917,000 | 14,454,000 | 39,695,000 | 19,462,000 | 14,454,000 | 18,758,000 | 19,462,000 | 18,758,000 | 18,758,000 | 27,352,000 | 23,382,000 | 25,424,000 | 27,352,000 | 29,606,000 | 25,424,000 | 29,606,000 | 29,606,000 | 39,133,000 | 33,909,000 | 48,151,000 | 48,151,000 | 39,133,000 | 70,897,000 | 48,151,000 | 80,752,000 | 93,783,000 | 70,897,000 | 98,467,000 | 93,783,000 | 98,467,000 | 160,825,000 | 98,467,000 | 105,674,000 | 224,067,000 | 160,825,000 | 291,028,000 | 224,067,000 | 291,028,000 | ||||||||||||||||||
total assets | 14,449,399,000 | 13,273,959,000 | 14,449,399,000 | 13,273,959,000 | 13,273,959,000 | 12,457,945,000 | 12,982,696,000 | 11,815,769,000 | 12,457,945,000 | 10,987,025,000 | 11,815,769,000 | 10,987,025,000 | 10,987,025,000 | 9,351,241,000 | 10,276,916,000 | 9,370,732,000 | 9,351,241,000 | 8,600,198,000 | 9,370,732,000 | 8,600,198,000 | 8,600,198,000 | 7,986,462,000 | 8,536,095,000 | 7,999,353,000 | 7,999,353,000 | 7,986,462,000 | 7,556,413,000 | 7,999,353,000 | 7,739,440,000 | 7,200,158,000 | 7,556,413,000 | 6,945,225,000 | 7,200,158,000 | 6,945,225,000 | 8,371,355,000 | 6,945,225,000 | 6,702,253,000 | 8,527,624,000 | 8,371,355,000 | 9,076,782,000 | 8,527,624,000 | 9,076,782,000 | 7,296,109,000 | 7,519,026,000 | 8,165,805,000 | 7,296,109,000 | 9,408,277,000 | 8,165,805,000 | 9,787,164,000 | 6,982,846,000 | 7,518,664,000 | 5,989,532,000 | 6,982,846,000 | 5,376,839,000 | 5,989,532,000 | 5,376,839,000 | 4,783,388,000 | 2,635,223,000 | 2,635,223,000 | 338,136,000 |
accounts payable | 61,580,000 | 79,882,000 | 61,580,000 | 79,882,000 | 79,882,000 | 42,712,000 | 43,167,000 | 43,710,000 | 42,712,000 | 41,484,000 | 43,710,000 | 41,484,000 | 41,484,000 | 38,025,000 | 30,902,000 | 66,738,000 | 38,025,000 | 19,887,000 | 66,738,000 | 19,887,000 | 19,887,000 | 31,711,000 | 14,144,000 | 30,903,000 | 30,903,000 | 31,711,000 | 36,799,000 | 30,903,000 | 19,065,000 | 64,469,000 | 36,799,000 | 12,923,000 | 64,469,000 | 12,923,000 | 24,757,000 | 12,923,000 | 9,903,000 | 40,324,000 | 24,757,000 | 39,068,000 | 40,324,000 | 39,068,000 | 33,170,000 | 30,349,000 | 36,657,000 | 33,170,000 | 35,747,000 | 36,657,000 | 35,747,000 | 22,634,000 | 33,841,000 | 15,153,000 | 22,634,000 | 12,192,000 | 15,153,000 | 12,192,000 | 13,691,000 | 9,572,000 | 9,572,000 | 695,000 |
amounts due to related parties | 81,688,000 | 99,616,000 | 81,688,000 | 99,616,000 | 99,616,000 | 96,498,000 | 129,629,000 | 2,485,000 | 96,498,000 | 1,122,000 | 2,485,000 | 1,122,000 | 1,122,000 | 27,664,000 | 14,414,000 | 338,779,000 | 27,664,000 | 247,717,000 | 338,779,000 | 247,717,000 | 247,717,000 | 244,185,000 | 227,724,000 | 411,530,000 | 411,530,000 | 244,185,000 | 474,925,000 | 411,530,000 | 434,127,000 | 498,053,000 | 474,925,000 | 769,744,000 | 498,053,000 | 769,744,000 | 293,620,000 | 769,744,000 | 970,309,000 | 184,325,000 | 293,620,000 | 112,034,000 | 184,325,000 | 112,034,000 | 102,844,000 | 230,656,000 | 54,954,000 | 102,844,000 | 70,875,000 | 54,954,000 | 70,875,000 | 23,153,000 | 76,544,000 | 45,425,000 | 23,153,000 | 4,272,000 | 45,425,000 | 4,272,000 | 11,609,000 | 14,289,000 | 14,289,000 | 566,000 |
guarantee liabilities-stand ready | 889,343,000 | 809,726,000 | 889,343,000 | 809,726,000 | 809,726,000 | 449,759,000 | 606,886,000 | 278,656,000 | 449,759,000 | 40,583,000 | 278,656,000 | 40,583,000 | 40,583,000 | |||||||||||||||||||||||||||||||||||||||||||||||
guarantee liabilities-contingent | 848,704,000 | 756,699,000 | 848,704,000 | 756,699,000 | 756,699,000 | 512,004,000 | 578,797,000 | 336,190,000 | 512,004,000 | 81,921,000 | 336,190,000 | 81,921,000 | 81,921,000 | |||||||||||||||||||||||||||||||||||||||||||||||
deferred revenue | 515,000 | 482,000 | 515,000 | 482,000 | 482,000 | 18,348,000 | 9,479,000 | 38,843,000 | 18,348,000 | 46,807,000 | 38,843,000 | 46,807,000 | 46,807,000 | 27,150,000 | 54,044,000 | 32,450,000 | 27,150,000 | 36,555,000 | 32,450,000 | 36,555,000 | 36,555,000 | 526,000 | 65,539,000 | 1,713,000 | 1,713,000 | 526,000 | 11,862,000 | 1,713,000 | 12,379,000 | 21,137,000 | 11,862,000 | 44,408,000 | 21,137,000 | 44,408,000 | 135,590,000 | 44,408,000 | 50,899,000 | 190,712,000 | 135,590,000 | 254,933,000 | 190,712,000 | 254,933,000 | 376,905,000 | 275,825,000 | 376,905,000 | 194,646,000 | 222,906,000 | 173,386,000 | 194,646,000 | 168,422,000 | 173,386,000 | 168,422,000 | 164,318,000 | 132,252,000 | 132,252,000 | 18,139,000 | ||||
payable to investors at fair value | 872,250,000 | 287,500,000 | 872,250,000 | 287,500,000 | 287,500,000 | 350,000,000 | 368,022,000 | 350,000,000 | 350,000,000 | 445,762,000 | 350,000,000 | 445,762,000 | 445,762,000 | 99,954,000 | 445,762,000 | 99,954,000 | 39,598,000 | 49,605,000 | 49,605,000 | 39,598,000 | 50,814,000 | 49,605,000 | 50,686,000 | 51,289,000 | 50,814,000 | 52,082,000 | 51,289,000 | 52,082,000 | 9,876,000 | 52,082,000 | 52,623,000 | 9,876,000 | 13,944,000 | 7,693,000 | 51,988,000 | 13,944,000 | 75,983,000 | 51,988,000 | 75,983,000 | 145,200,000 | 113,445,000 | 200,947,000 | 145,200,000 | 380,048,000 | 200,947,000 | 380,048,000 | 418,686,000 | |||||||||||||
accrued expenses and other liabilities | 1,582,978,000 | 1,393,592,000 | 1,582,978,000 | 1,393,592,000 | 1,393,592,000 | 1,672,111,000 | 1,622,050,000 | 1,727,182,000 | 1,672,111,000 | 1,595,052,000 | 1,727,182,000 | 1,595,052,000 | 1,595,052,000 | 1,483,190,000 | 1,500,522,000 | 1,427,016,000 | 1,483,190,000 | 1,342,251,000 | 1,427,016,000 | 1,342,251,000 | 1,342,251,000 | 1,234,738,000 | 1,315,006,000 | 1,242,139,000 | 1,242,139,000 | 1,234,738,000 | 1,245,263,000 | 1,242,139,000 | 1,182,783,000 | 1,238,591,000 | 1,245,263,000 | 1,148,549,000 | 1,238,591,000 | 1,148,549,000 | 1,993,273,000 | 1,148,549,000 | 1,208,915,000 | 1,981,040,000 | 1,993,273,000 | 1,946,205,000 | 1,981,040,000 | 1,946,205,000 | 1,074,196,000 | 1,088,372,000 | 1,234,407,000 | 1,074,196,000 | 1,234,407,000 | 1,179,850,000 | 1,704,207,000 | 1,296,650,000 | 780,555,000 | 1,704,207,000 | 621,723,000 | 780,555,000 | 621,723,000 | 564,165,000 | 394,129,000 | 394,129,000 | 44,506,000 | |
borrowings | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deferred tax liabilities | 91,666,000 | 54,897,000 | 91,666,000 | 54,897,000 | 54,897,000 | 16,434,000 | 41,471,000 | 55,520,000 | 16,434,000 | 114,222,000 | 55,520,000 | 114,222,000 | 114,222,000 | 118,543,000 | 122,075,000 | 100,178,000 | 118,543,000 | 84,824,000 | 100,178,000 | 84,824,000 | 84,824,000 | 78,819,000 | 79,740,000 | 80,200,000 | 80,200,000 | 78,819,000 | 147,575,000 | 80,200,000 | 112,535,000 | 118,654,000 | 147,575,000 | 76,003,000 | 118,654,000 | 76,003,000 | 150,486,000 | 76,003,000 | 38,741,000 | 162,016,000 | 150,486,000 | 216,304,000 | 162,016,000 | 216,304,000 | 561,370,000 | 502,903,000 | 658,156,000 | 561,370,000 | 658,156,000 | 11,277,000 | ||||||||||||
lease liabilities | 38,281,000 | 37,808,000 | 38,281,000 | 37,808,000 | 37,808,000 | 15,226,000 | 40,765,000 | 19,280,000 | 15,226,000 | 19,025,000 | 19,280,000 | 19,025,000 | 19,025,000 | 27,709,000 | 23,648,000 | 26,930,000 | 27,709,000 | 30,274,000 | 26,930,000 | 30,274,000 | 30,274,000 | 40,968,000 | 35,229,000 | 49,724,000 | 49,724,000 | 40,968,000 | 53,194,000 | 49,724,000 | 72,101,000 | 70,114,000 | 53,194,000 | 76,735,000 | 70,114,000 | 76,735,000 | 135,544,000 | 76,735,000 | 81,854,000 | 205,056,000 | 135,544,000 | 259,197,000 | 205,056,000 | 259,197,000 | ||||||||||||||||||
total liabilities | 4,467,005,000 | 3,520,202,000 | 4,467,005,000 | 3,520,202,000 | 3,520,202,000 | 3,173,092,000 | 3,440,266,000 | 2,851,866,000 | 3,173,092,000 | 2,385,978,000 | 2,851,866,000 | 2,385,978,000 | 2,385,978,000 | 1,822,235,000 | 2,191,367,000 | 2,384,191,000 | 1,822,235,000 | 2,153,608,000 | 2,384,191,000 | 2,153,608,000 | 2,153,608,000 | 2,438,796,000 | 2,505,282,000 | 2,740,504,000 | 2,740,504,000 | 2,438,796,000 | 3,064,959,000 | 2,740,504,000 | 2,918,008,000 | 3,037,319,000 | 3,064,959,000 | 2,987,048,000 | 3,037,319,000 | 2,987,048,000 | 4,030,320,000 | 2,987,048,000 | 2,924,589,000 | 4,267,451,000 | 4,030,320,000 | 4,592,170,000 | 4,267,451,000 | 4,592,170,000 | 2,521,939,000 | 2,398,115,000 | 3,584,853,000 | 2,521,939,000 | 5,060,320,000 | 3,584,853,000 | 4,943,056,000 | 4,487,179,000 | 4,548,611,000 | 3,236,781,000 | 4,487,179,000 | 2,888,176,000 | 3,236,781,000 | 2,888,176,000 | 2,643,469,000 | 1,528,457,000 | 1,528,457,000 | 187,309,000 |
ordinary shares | 132,000 | 132,000 | 132,000 | 132,000 | 132,000 | 132,000 | 132,000 | 130,000 | 132,000 | 130,000 | 130,000 | 130,000 | 130,000 | 130,000 | 130,000 | 130,000 | 130,000 | 129,000 | 130,000 | 129,000 | 129,000 | 129,000 | 129,000 | 123,000 | 123,000 | 129,000 | 123,000 | 123,000 | 123,000 | 122,000 | 123,000 | 121,000 | 122,000 | 121,000 | 121,000 | 121,000 | 121,000 | 121,000 | 121,000 | 121,000 | 121,000 | 121,000 | 77,000 | 77,000 | 76,000 | 77,000 | 76,000 | 76,000 | 76,000 | 76,000 | 76,000 | 75,000 | 76,000 | 75,000 | 75,000 | 75,000 | 75,000 | 73,000 | 73,000 | 12,000 |
additional paid-in capital | 5,210,508,000 | 5,201,567,000 | 5,210,508,000 | 5,201,567,000 | 5,201,567,000 | 5,198,271,000 | 5,198,457,000 | 5,175,653,000 | 5,198,271,000 | 5,172,942,000 | 5,175,653,000 | 5,172,942,000 | 5,172,942,000 | 5,169,821,000 | 5,171,232,000 | 5,168,632,000 | 5,169,821,000 | 5,164,104,000 | 5,168,632,000 | 5,164,104,000 | 5,164,104,000 | 5,158,676,000 | 5,160,783,000 | 5,107,095,000 | 5,107,095,000 | 5,158,676,000 | 5,096,994,000 | 5,107,095,000 | 5,100,486,000 | 5,065,177,000 | 5,096,994,000 | 5,058,884,000 | 5,065,177,000 | 5,058,884,000 | 5,059,529,000 | 5,058,884,000 | 5,058,176,000 | 5,050,226,000 | 5,059,529,000 | 5,045,268,000 | 5,050,226,000 | 5,045,268,000 | 1,266,534,000 | 1,293,968,000 | 1,174,158,000 | 1,266,534,000 | 1,149,698,000 | 1,174,158,000 | 1,149,698,000 | 1,094,916,000 | 1,123,854,000 | 950,151,000 | 1,094,916,000 | 942,604,000 | 950,151,000 | 942,604,000 | 933,272,000 | 791,841,000 | 791,841,000 | 124,758,000 |
treasury stock | -170,686,000 | -170,463,000 | -170,686,000 | -170,463,000 | -170,463,000 | -160,534,000 | -170,463,000 | -139,380,000 | -160,534,000 | -109,444,000 | -139,380,000 | -109,444,000 | -109,444,000 | -81,501,000 | -94,851,000 | -66,914,000 | -81,501,000 | -61,046,000 | -66,914,000 | -61,046,000 | -61,046,000 | -42,897,000 | -46,734,000 | -42,897,000 | -42,897,000 | -42,897,000 | -42,502,000 | -42,897,000 | -42,897,000 | -42,502,000 | -40,147,000 | -40,147,000 | -40,147,000 | |||||||||||||||||||||||||||
accumulated other comprehensive income | 42,195,000 | 40,903,000 | 42,195,000 | 40,903,000 | 40,903,000 | 21,226,000 | 79,268,000 | 47,798,000 | 21,226,000 | 66,671,000 | 47,798,000 | 66,671,000 | 66,671,000 | 25,873,000 | 23,669,000 | 23,748,000 | 25,873,000 | 8,599,000 | 23,748,000 | 8,599,000 | 8,599,000 | 7,509,000 | 7,765,000 | 4,772,000 | 4,772,000 | 7,509,000 | 14,442,000 | 4,772,000 | 11,553,000 | 16,139,000 | 14,442,000 | 16,648,000 | 16,139,000 | 16,648,000 | 18,595,000 | 16,648,000 | 17,108,000 | 23,474,000 | 18,595,000 | 18,671,000 | 23,474,000 | 18,671,000 | 18,360,000 | 16,390,000 | 9,005,000 | 18,360,000 | 9,005,000 | 4,330,000 | 11,067,000 | 19,216,000 | 4,330,000 | 25,678,000 | 19,216,000 | 25,678,000 | 29,457,000 | -1,791,000 | ||||
retained earnings | 4,900,245,000 | 4,681,618,000 | 4,900,245,000 | 4,681,618,000 | 4,681,618,000 | 4,225,758,000 | 4,435,036,000 | 3,879,702,000 | 4,225,758,000 | 3,470,748,000 | 3,879,702,000 | 3,470,748,000 | 3,470,748,000 | 2,414,683,000 | 2,985,369,000 | 1,860,945,000 | 2,414,683,000 | 1,334,804,000 | 1,860,945,000 | 3,489,453,000 | 3,810,730,000 | 3,397,713,000 | 3,489,453,000 | 3,397,713,000 | 3,695,836,000 | 1,396,345,000 | 1,835,056,000 | 1,783,309,000 | 1,396,345,000 | 1,520,306,000 | 1,783,309,000 | 1,520,306,000 | 1,177,115,000 | 316,643,000 | 316,643,000 | |||||||||||||||||||||||||
total equity | 9,982,394,000 | 9,753,757,000 | 9,982,394,000 | 9,753,757,000 | 9,753,757,000 | 9,284,853,000 | 9,542,430,000 | 8,963,903,000 | 9,284,853,000 | 8,601,047,000 | 8,963,903,000 | 8,601,047,000 | 8,601,047,000 | 7,529,006,000 | 8,085,549,000 | 6,986,541,000 | 7,529,006,000 | 6,446,590,000 | 6,986,541,000 | 6,446,590,000 | 6,446,590,000 | 5,547,666,000 | 6,030,813,000 | 5,258,849,000 | 5,258,849,000 | 5,547,666,000 | 4,491,454,000 | 5,258,849,000 | 4,821,432,000 | 4,162,839,000 | 4,491,454,000 | 3,958,177,000 | 4,162,839,000 | 3,958,177,000 | 4,341,035,000 | 3,958,177,000 | 3,777,664,000 | 4,260,173,000 | 4,341,035,000 | 4,484,612,000 | 4,260,173,000 | 4,484,612,000 | 4,774,170,000 | 5,120,911,000 | 4,580,952,000 | 4,774,170,000 | 4,347,957,000 | 4,580,952,000 | 4,844,108,000 | 2,495,667,000 | 2,970,053,000 | 2,752,751,000 | 2,495,667,000 | 2,488,663,000 | 2,752,751,000 | 2,488,663,000 | 2,139,919,000 | 1,106,766,000 | 1,106,766,000 | 150,827,000 |
total liabilities and equity | 14,449,399,000 | 13,273,959,000 | 14,449,399,000 | 13,273,959,000 | 13,273,959,000 | 12,457,945,000 | 12,982,696,000 | 11,815,769,000 | 12,457,945,000 | 10,987,025,000 | 11,815,769,000 | 10,987,025,000 | 10,987,025,000 | 9,351,241,000 | 10,276,916,000 | 9,370,732,000 | 9,351,241,000 | 8,600,198,000 | 9,370,732,000 | 8,600,198,000 | 8,600,198,000 | 7,986,462,000 | 8,536,095,000 | 7,999,353,000 | 7,999,353,000 | 7,986,462,000 | 7,556,413,000 | 7,999,353,000 | 7,739,440,000 | 7,200,158,000 | 7,556,413,000 | 6,945,225,000 | 7,200,158,000 | 6,945,225,000 | 8,371,355,000 | 6,945,225,000 | 6,702,253,000 | 8,527,624,000 | 8,371,355,000 | 9,076,782,000 | 8,527,624,000 | 9,076,782,000 | 7,296,109,000 | 7,519,026,000 | 8,165,805,000 | 7,296,109,000 | 9,408,277,000 | 8,165,805,000 | 9,787,164,000 | 6,982,846,000 | 7,518,664,000 | 5,989,532,000 | 6,982,846,000 | 5,376,839,000 | 5,989,532,000 | 5,376,839,000 | 4,783,388,000 | 2,635,223,000 | 2,635,223,000 | 338,136,000 |
trading securities | 63,276,000 | 77,426,000 | 83,889,000 | 63,276,000 | 77,967,000 | 83,889,000 | 77,967,000 | 77,967,000 | 74,185,000 | 76,053,000 | 74,185,000 | |||||||||||||||||||||||||||||||||||||||||||||||||
held-to-maturity investments | 5,087,000 | 6,587,000 | 5,087,000 | 5,087,000 | 10,420,000 | 5,087,000 | 10,420,000 | 10,420,000 | 4,820,000 | 10,420,000 | 5,820,000 | 4,820,000 | 3,320,000 | 5,820,000 | 3,320,000 | 3,320,000 | 1,800,000 | 2,700,000 | 102,200,000 | 102,200,000 | 1,800,000 | 2,200,000 | 102,200,000 | 2,200,000 | 2,233,000 | 2,200,000 | 3,137,000 | 2,233,000 | 3,137,000 | 2,349,000 | 3,137,000 | 3,286,000 | 4,126,000 | 2,349,000 | 4,399,000 | 4,126,000 | 4,399,000 | 319,639,000 | 315,641,000 | 312,101,000 | 319,639,000 | 9,679,000 | 312,101,000 | 9,679,000 | 168,917,000 | 9,944,000 | 589,329,000 | 168,917,000 | 494,847,000 | 589,329,000 | 494,847,000 | 98,917,000 | ||||||||
available-for-sale investments | 321,550,000 | 329,829,000 | 321,550,000 | 379,489,000 | 329,829,000 | 379,489,000 | 379,489,000 | 338,069,000 | 438,084,000 | 102,594,000 | 338,069,000 | 250,788,000 | 102,594,000 | 250,788,000 | 250,788,000 | 1,109,408,000 | 972,738,000 | 136,362,000 | 136,362,000 | 1,109,408,000 | 277,934,000 | 136,362,000 | 177,360,000 | 224,336,000 | 277,934,000 | 234,587,000 | 224,336,000 | 234,587,000 | 511,267,000 | 234,587,000 | 175,515,000 | 513,013,000 | 511,267,000 | 456,061,000 | 513,013,000 | 456,061,000 | 833,835,000 | 832,465,000 | 530,057,000 | 833,835,000 | 990,873,000 | 530,057,000 | 990,873,000 | 996,660,000 | 963,253,000 | 1,262,260,000 | 996,660,000 | 1,232,260,000 | 1,262,260,000 | 1,232,260,000 | 1,158,000,000 | |||||||||
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
assets including amounts of the consolidated variable interest entities | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other financial investments* | 353,190,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
equity investment | 9,239,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities including amounts of the consolidated vies and the consolidated abfe without recourse to the company | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
commitments and contingencies | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
equity: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
secured borrowings | 392,100,000 | 392,100,000 | 392,100,000 | 392,100,000 | 392,100,000 | 767,900,000 | 767,900,000 | 869,300,000 | 869,300,000 | 767,900,000 | 1,038,600,000 | 869,300,000 | 1,028,600,000 | 968,600,000 | 1,038,600,000 | 799,200,000 | 968,600,000 | 799,200,000 | 799,200,000 | 500,500,000 | ||||||||||||||||||||||||||||||||||||||||
accumulated deficit | 1,334,804,000 | 1,334,804,000 | 424,249,000 | 189,756,000 | 189,756,000 | 424,249,000 | -577,603,000 | 189,756,000 | -247,833,000 | -577,603,000 | -1,077,329,000 | -1,077,329,000 | -1,077,329,000 | |||||||||||||||||||||||||||||||||||||||||||||||
refund liability | 351,000 | 5,390,000 | 5,390,000 | 351,000 | 5,927,000 | 5,390,000 | 6,412,000 | 5,927,000 | 7,404,000 | 6,412,000 | 7,404,000 | 1,285,109,000 | 7,404,000 | 1,501,318,000 | 1,285,109,000 | 1,760,942,000 | 1,501,318,000 | 1,760,942,000 | 252,367,000 | |||||||||||||||||||||||||||||||||||||||||
refund liabilities | 5,732,000 | 10,845,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
(accumulated deficit)/retained earnings | 908,870,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities from quality assurance program and guarantee | 2,065,000 | 2,660,000 | 2,065,000 | 3,487,000 | 2,660,000 | 3,487,000 | 6,470,000 | 9,950,000 | 12,152,000 | 6,470,000 | 2,745,530,000 | 12,152,000 | 2,745,530,000 | 2,392,794,000 | 2,793,948,000 | 1,961,315,000 | 2,392,794,000 | 1,961,315,000 | ||||||||||||||||||||||||||||||||||||||||||
payable to third-party credit assurance program | 353,040,000 | 1,241,859,000 | 353,040,000 | 1,241,859,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
assets including amounts of the consolidated assets backed financing entities | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities including amounts of the variable interest entities | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
contract liabilities | 294,680,000 | 294,680,000 | 98,253,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deferred tax assets * | 806,798,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
contract assets, net * | 2,410,688,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accrued expenses and other liabilities * | 1,170,206,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deferred tax liabilities * | 627,321,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
contract liabilities * | 334,658,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
retained earnings* | 3,199,685,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deferred tax liability | 736,818,000 | 4,545,000 | 60,000,000 | 4,545,000 | 60,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
assets: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities from quality assurance program | 1,701,519,000 | 1,701,519,000 | 1,471,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deffered tax liability | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
short-term investments | 32,500,000 | 32,500,000 | 4,632,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deferred tax asset | 225,655,000 | 225,655,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities from risk reserve fund service | 720,861,000 | 720,861,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
payable to investors/ the fund, at fair value | 257,354,000 | 257,354,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive (loss)/ income | -1,791,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities from risk reserve fund guarantee | 84,354,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
payable to the fund at fair value | 39,049,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive loss | -3,122,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
retained (deficit)/ earnings | 29,179,000 |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2019-12-31 | 2017-05-22 | 2017-03-31 |
|---|---|---|---|
| |||
summary consolidated cash flow data: | |||
net cash from operating activities | |||
capital expenditures | |||
free cash flows | |||
net cash from investing activities | -427,686,000 | ||
net cash from financing activities | -44,841,000 | ||
effect of foreign exchange rate changes | -1,339,000 | -3,779,000 | -3,779,000 |
net increase in cash, cash equivalents and restricted cash | |||
cash, cash equivalents and restricted cash, beginning of year | |||
cash, cash equivalents and restricted cash, end of year | |||
net cash (used in)/provided investing activities | |||
cash flows from operating activities: | |||
net income | 350,901,000 | 350,901,000 | |
adjustments to reconcile net income to net cash from operating activities: | |||
depreciation and amortization | |||
amortization of right-of-use assets | |||
disposal of property, equipment and software | |||
share of results of equity investees | |||
fair value adjustments related to the consolidated abfe | |||
share-based compensation | |||
provision for contingent liability | |||
allowance for contract assets, receivables and others | |||
gain on disposal of loan receivables and other beneficial rights | |||
gain recognized on remeasurement of previously held equity interest in the acquiree as of its acquisition date fair value | |||
loss of disposal | |||
changes in operating assets and liabilities | |||
accounts receivable | |||
contract assets | |||
contract cost | |||
prepaid expenses and other assets | |||
change in the consolidated abfe related assets/liabilities | |||
financing receivables | |||
amounts due from/to related parties | |||
deferred tax assets/liabilities | |||
accounts payable | |||
deferred revenue | |||
accrued expenses and other liabilities | |||
refund liabilities | |||
lease liabilities | |||
net cash (used in)/provided by operating activities | |||
cash flows from investing activities: | |||
purchase of property, equipment and software | |||
purchase of held-to-maturity investments | |||
redemption of held-to-maturity investments | |||
purchase of available-for-sale investments | |||
proceeds from disposal of available-for-sale investments | |||
acquisition of subsidiaries, net of cash acquired of nil, rmb23,871 and rmb9,307 for the years ended december 31, 2018, 2019 and 2020, respectively | |||
prepayment of investments | |||
return of prepayment of investments | |||
acquisition of subsidiaries under common control | |||
disposal of subsidiaries, net of cash disposed of nil, rmb306,555 and rmb1,307,982 for the years ended december 31, 2018, 2019 and 2020, respectively | |||
purchase of other long-term investments | |||
proceeds from disposal of other long-term investments | |||
investment in loans at fair value | |||
collection of principal of loans at fair value | |||
disposal of financing receivables | |||
proceeds from disposal of loan receivables and other beneficial rights | |||
loan to related parties | |||
collection of principal of loans to related parties | |||
origination of financing receivables | |||
repayments of financing receivables | |||
loans to third parties | |||
collection of principal of loans to third parties | |||
cash flows from financing activities: | |||
cash contribution from owner | |||
deferred payment of acquisition of subsidiaries under common control | |||
principal payments to the consolidated abfe | |||
contribution from investors of the consolidated abfe | |||
dividends paid to shareholders | |||
principal payments to financial assets sold under repurchase agreement | |||
loans from related parties | |||
principal payments of loans from related parties | |||
loan from a third party | |||
repayment of loan to a third party | |||
repurchase of ordinary shares | |||
purchase of non-controlling interest | |||
deferred payment of contingent consideration | |||
net cash (used in)/provided by financing activities | -44,841,000 | ||
net (decrease) / increase in cash, cash equivalents and restricted cash | |||
supplemental disclosures of cash flow information: | |||
cash paid for income taxes | |||
cash paid for interest | |||
forgiveness of amount due from/(due to) related parties, and other receivable from a third party in relation to the acquisition under common control | |||
reconciliation to amounts on the consolidated balance sheets: | |||
cash and cash equivalents | 864,361,000 | 864,361,000 | |
restricted cash | 1,410,348,000 | 1,410,348,000 | |
total cash, cash equivalents, and restricted cash | |||
adjustments to reconcile net income to net cash provided by/(used in) operating activities: | |||
allowance for contract assets and receivables | |||
liabilities from quality assurance program and guarantee | |||
acquisition of subsidiaries, net of cash acquired of nil, nil and rmb23,871 for the years ended december 31, 2017, 2018 and 2019, respectively | |||
disposal of subsidiaries under common control, net of cash disposed of nil, nil and rmb306,555 for the years ended december 31, 2017, 2018 and 2019, respectively | |||
proceeds from issuances of the consolidated abfe | |||
proceeds from transfer of beneficiary rights under repurchase agreement | |||
principal payments of loan to a third party | |||
payment of contingent consideration | |||
net cash generated from/ (used in) operating activities | |||
net cash provided by/ (used in) investing activities | |||
net cash (used in)/ provided by financing activities | |||
net increase/(decrease) in cash, cash equivalents and restricted cash | |||
cash, cash equivalents and restricted cash, beginning of period | 2,186,511,000 | 2,186,511,000 | |
cash, cash equivalents and restricted cash, end of period | 2,274,709,000 | 2,274,709,000 | |
fair value adjustments related to consolidated abfe | 1,355,000 | 1,355,000 | |
allowance for contract assets | |||
change in consolidated abfe related asset/liability | |||
refund liability | |||
proceeds on disposal of available-for-sale investments | |||
investment in preferred shares | |||
principal payment of loans at fair value | |||
loan to a related party | |||
principal collection of loans to third parties | |||
proceeds from issuances of abfe | |||
principal payments to abfe | |||
payments of initial public offering cost | |||
principal payments to financial assets sold under repurchase agreements | |||
principal payments to a third party | |||
income taxes paid | |||
reconciliation to amounts on consolidated balance sheets: | |||
interest income | 24,149,000 | 24,149,000 | |
redemption of available-for-sale investments | |||
proceeds from initial public offering, net of offering cost | |||
proceeds from concurrent private placement, net of offering cost | |||
net revenue: | |||
loan facilitation services | 976,398,000 | 976,398,000 | |
post-origination services | 33,312,000 | 33,312,000 | |
others | 11,889,000 | 11,889,000 | |
total net revenue | 1,021,599,000 | 1,021,599,000 | |
operating costs and expenses: | |||
sales and marketing | 469,380,000 | 469,380,000 | |
origination and servicing | 58,784,000 | 58,784,000 | |
general and administrative | 100,498,000 | 100,498,000 | |
total operating costs and expenses | 628,662,000 | 628,662,000 | |
non-operating income | 207,000 | 207,000 | |
income before provision for income taxes | 418,648,000 | ||
income tax expense | 67,747,000 | ||
weighted-average number of ordinary shares outstanding, basic | 119,560,832,000 | 119,560,832,000 | |
basic income per share | 2,934.9 | 2,934.9 | |
basic income per ads | 5,869.8 | 5,869.8 | |
weighted-average number of ordinary shares outstanding, diluted | 120,842,350,000 | 120,842,350,000 | |
diluted income per share | 2,903.8 | 2,903.8 | |
diluted income per ads | 5,807.6 | 5,807.6 | |
unaudited condensed consolidated balance sheets | |||
loans at fair value | 319,984,000 | 319,984,000 | |
held-to-maturity investments | 494,847,000 | 494,847,000 | |
available-for-sale investments | 1,232,260,000 | 1,232,260,000 | |
other assets | 1,055,039,000 | 1,055,039,000 | |
total assets | 5,376,839,000 | 5,376,839,000 | |
liabilities from quality assurance program | 1,701,519,000 | 1,701,519,000 | |
payable to investors at fair value | 380,048,000 | 380,048,000 | |
other liabilities | 806,609,000 | 806,609,000 | |
total liabilities | 2,888,176,000 | 2,888,176,000 | |
total equity | 2,488,663,000 | 2,488,663,000 | |
unaudited condensed consolidated cash flow data | |||
net cash generated from operating activities | 564,504,000 | 564,504,000 | |
net increase in cash and cash equivalents | 88,198,000 | ||
income before benefit from income taxes | 418,648,000 | ||
income tax expense/ | 67,747,000 | ||
net cash provided by/(used in) investing activities | -427,686,000 | ||
net increase/(decrease) in cash and cash equivalents | 88,198,000 | ||
8/11 | |||
non operating income | |||
weighted-average number of ordinary shares used in computing basic net income per share | |||
weighted-average number of ordinary shares used in computing diluted net income per share | |||
liabilities from risk reserve fund guarantee | |||
deferred tax assets | |||
net cash (used in)/ provided by operating activities | |||
initial contribution received by the trusts | |||
principal payments to the fund | |||
proceeds from issuances of asset backed special plan | |||
principal payments on asset backed special plan | |||
net cash provided by financing activities | |||
net cash (used in)/provided by investing activities | |||
cash and cash equivalents, beginning of period | |||
cash and cash equivalents, end of period | |||
interest income from short-term investment | |||
fair value adjustments of loans | |||
purchase of short-term investment | |||
redemption of short-term investment | |||
proceeds received by the trust from the fund | |||
cash and cash equivalents, beginning of year | |||
cash and cash equivalents, end of year |