Analyzing the performance of seven consumer finance companies in 2025 based on four data tables

GateUser-bd883c58 · 2026-04-02T22:28:00+00:00

Currently, the operating data for seven consumer finance companies for 2025 has been released, showing that Industrial Consumer Finance and Bank of China Consumer Finance have contracted in business scale, but net profits have increased significantly. Zhaolian Finance continues to be profitable and stable, while China Post Consumer Finance and Mashang Consumer face pressure. CCB Consumer Finance leads in total asset growth, and Halyk Consumer Finance also achieves steady growth.

GateUser-bd883c58

2026-04-02 22:28:00

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So far, some operating data for the 2025 fiscal year of seven consumer finance companies has already been released. ZeroOne Think Tank, together with related information, compiled it into four data tables. These tables also include details on how institutions transferred non-performing assets through the CDBE (Banking Deposit Registration Center), which allows a glimpse into the industry’s latest developments.

CITIC Consumer Finance and BOC Consumer Finance have proactively reduced total assets and loan balances, resulting in some contraction in business scale. Despite declines in revenue—or lack of disclosure—CITIC Consumer Finance, BOC Consumer Finance, and CCB Consumer Finance still saw their net profits rise significantly by 179.07%, 377.78%, and 170.00%, respectively. The main driving factors are the clearance of non-performing assets, lower credit costs, and improved asset quality.

In the context of a year-on-year decline in revenue, China UnionPay Finance (CUPF) nevertheless maintained steady profitability and its position as an industry leader remains solid. Postal Savings Consumer Finance and ICBC Consumer Finance are facing pressure on the profit side, and their operating performance is relatively burdened.

Postal Savings Consumer Finance’s total assets grew by 12.65%, placing it—along with CITIC Consumer Finance and BOC Consumer Finance—into the above CNY 70 billion (700 billion yuan) tier. CCB Consumer Finance’s total asset growth rate reached 28.09%, leading its peer group. Harbin Bank Consumer Finance’s total assets and loan balances both achieved steady growth of over 2%.

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