Revenue and profitability: Revenue 1,960,732,000 CNY; YoY +81.36%; QoQ +0.00%. Gross profit 1,960,732,000 CNY; gross margin 100.00% (per data) with cost of revenue not disclosed. Operating income 1,099,888,000 CNY; YoY +164.05%; QoQ +0.00%; Operating margin 56.10%. Net income 1,052,365,000 CNY; YoY +190.43%; QoQ +0.00%; Net margin 53.67%; Earnings per share (EPS) 0.1802 CNY; YoY +190.18%; QoQ +0.00%. Weighted average shares outstanding 5,846,472,222; Diluted 5,838,650,000.
Profitability and efficiency: Return on equity 3.68%; return on assets 0.27%; asset turnover 0.00505; fixed asset turnover 1.340; gross margin 100.0% (data indicates full gross profit relative to revenue; interpret with caution given missing cost-of-revenue details). Operating cash flow per share 0.354; free cash flow per share 0.347; cash per share 0.928. Dividend payout ratio effectively 0.00%; dividend yield 0.00%. Price-to-book 0.271; price-to-earnings 1.837; price-to-sales 3.94; price-to-operating cash flow 3.73; price-to-free cash flow 3.82.
Balance sheet and cash flow: Debt ratio 0.0392 (very low leverage); debt-to-equity ~0.532; long-term debt-to-capitalization 0.347; cash conversion and working capital metrics are not fully disclosed. Operating cash flow strength supports ability to fund ongoing lending activity and potential capital allocation changes. The equity multiplier is high at 13.59, indicating a sizable equity base relative to net assets (reflecting low leverage and conservative capitalization).