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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
$ in Thousands, $ in Thousands
12 Months Ended
Dec. 31, 2025
HKD ($)
$ / shares
shares
Dec. 31, 2025
USD ($)
$ / shares
shares
Dec. 31, 2024
HKD ($)
$ / shares
shares
Dec. 31, 2023
HKD ($)
$ / shares
shares
Revenues        
Brokerage commission and handling charge income $ 10,572,744 $ 1,358,388 $ 6,044,746 $ 3,944,779
Interest income 10,441,585 1,341,537 6,666,864 5,536,422
Other income 1,832,569 235,449 878,515 527,217
Total revenues 22,846,898 2,935,374 13,590,125 10,008,418
Costs        
Brokerage commission and handling charge expenses (606,044) (77,865) (341,238) (249,567)
Interest expenses (1,757,852) (225,849) (1,617,450) (910,759)
Processing and servicing costs (578,459) (74,321) (486,783) (375,904)
Total costs (2,942,355) (378,035) (2,445,471) (1,536,230)
Total gross profit 19,904,543 2,557,339 11,144,654 8,472,188
Operating expenses        
Research and development expenses (1,908,758) (245,238) (1,493,620) (1,440,893)
Selling and marketing expenses (1,980,486) (254,453) (1,409,313) (710,348)
General and administrative expenses (1,934,692) (248,570) (1,620,017) (1,313,464)
Total operating expenses (5,823,936) (748,261) (4,522,950) (3,464,705)
Income from operations 14,080,607 1,809,078 6,621,704 5,007,483
Others, net (367,448) (47,210) (86,372) 33,442
Income before income tax expenses and share of loss from equity method investments 13,713,159 1,761,868 6,535,332 5,040,925
Income tax expenses (2,359,633) (303,166) (998,342) (748,479)
Share of loss from equity method investments (51,619) (6,632) (103,934) (13,497)
Net income 11,301,907 1,452,070 5,433,056 4,278,949
Attributable to:        
Ordinary shareholders of the Company 11,337,721 1,456,671 5,443,094 4,281,474
Non-controlling interests (35,814) (4,601) (10,038) (2,525)
Net income 11,301,907 1,452,070 5,433,056 4,278,949
Other comprehensive (loss)/income, net of tax        
Changes in the fair value of financial assets (474) (61)    
Foreign currency translation adjustment 301,624 38,754 (200,220) (1,587)
Total comprehensive income 11,603,057 1,490,763 5,232,836 4,277,362
Attributable to:        
Ordinary shareholders of the Company 11,639,140 1,495,400 5,242,611 4,279,887
Non-controlling interests (36,083) (4,637) (9,775) (2,525)
Total comprehensive income $ 11,603,057 $ 1,490,763 $ 5,232,836 $ 4,277,362
Net income per share attributable to ordinary shareholders of the Company        
Basic | (per share) $ 10.17 $ 1.31 $ 4.93 $ 3.88
Diluted | (per share) $ 10.03 $ 1.29 $ 4.86 $ 3.82
Weighted average number of ordinary shares used in computing net income per share        
Basic 1,114,463,205 1,114,463,205 1,104,199,740 1,104,899,411
Diluted 1,130,846,701 1,130,846,701 1,120,478,183 1,119,653,571
ADS        
Net income per share attributable to ordinary shareholders of the Company        
Basic | (per share) $ 81.36 $ 10.45 $ 39.44 $ 31
Diluted | (per share) $ 80.24 $ 10.31 $ 38.88 $ 30.59